vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Bureaus Corrected Late Payment Month but Still Violated the FCRA by Failing to Delete Inaccurate Reporting I am filing this complaint because Ally Financial furnished inaccurate information and the credit bureaus failed to comply with the Fair Credit Reporting Act ( FCRA ) during reinvestigation. 

1. Initial Late Payment Reporting Was Inaccurate A late payment was inaccurately reported as XX/XX/year>. Under FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ), information must be accurate when first furnished. Because XX/XX/year> was inaccurate, the entry became unreliable. 

2. All Three Bureaus Improperly Corrected the Reporting to XX/XX/year> After my dispute on XX/XX/year>, all three bureaus changed the reporting from XX/XX/year> to XX/XX/year>. While May is the correct late-payment month, this still violates the FCRA because : - FCRA 1681i ( a ) ( 5 ) ( A ) requires deletionnot modificationof inaccurate information.

- Bureaus must delete inaccurate items, then follow reinsertion procedures under 1681i ( a ) ( 5 ) ( B ) if the furnisher wishes to report corrected data.

- No deletion, certification, or notice of reinsertion occurred.

3. Exhibits Exhibit A ( Transunion, Experian & Equifax ) : Report dated XX/XX/year> showing XX/XX/year> late payment Exhibit B ( Transunion, Experian & Equifax ) : Report dated XX/XX/year> showing bureaus changed reporting to XX/XX/year> XXXX. FCRA Violations The bureaus and Ally violated : - 1681e ( b ) failure to maintain maximum possible accuracy - 1681i ( a ) ( 5 ) ( A ) failure to delete inaccurate data - 1681i ( a ) ( 5 ) ( B ) improper reinsertion without certification or notice - 1681s-2 ( a ) ( 1 ) ( A ) inaccurate furnishing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the reinsertion of inaccurate information that has appeared on my credit report. These items were previously removed following a dispute, yet they have been reinserted without proper notice, in violation of the FCRA 611 ( a ) ( 5 ) ( B ). 

The following accounts have been inaccurately reintroduced to my credit file and are negatively impacting my creditworthiness : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$32000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$32000.00} These items were either previously deleted, verified inaccurately, or added back without the required certification from the furnisher, as mandated under federal law. I did not receive notice within XXXX business days of the reinsertion, which further confirms that the reinsertion process was not properly followed. 

I have included supporting documentation, including screenshots of my credit report, showing that these accounts were deleted and later reinserted. I request an immediate investigation into this unauthorized reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Sir/Madam, I am a consumer working on improving my credit. The following accounts are in dispute, and I am seeking resolution from the credit bureaus for inaccurate or incomplete reporting. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: KY

Complaint narrative:
On XX/XX/2025 I called Discover credit card support and requested that inappropriate charges of late fees and interest charges be removed from the account. As of the billing period of XXXX XX/XX/2025 there was a balance due of {$3300.00} which I paid in full on the account of XXXX XXXX XXXX in XXXX with Discover. They later charged an interest fee of {$35.00} which I wasnt aware of. Assuming the account was paid in full I ignored envelopes in the mail as more credit card offers. They continued to charge late fees and interest charges totaling {$230.00} as of XX/XX/2025. The result of the phone conversation ended with Discover agent XXXX # XXXX informing me that their system wouldnt allow them to remove the charges of interest and late fees. The account is frozen because I cut up the card and stopped using the account after I paid the balance due of {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against TransUnion for reporting false and inaccurate information regarding an auto loan from XXXX XXXX XXXX ( Account XXXX. XXXX ). This reporting violates FCRA 602, 607 ( b ), 611, and 623. 

Timeline : Purchased vehicle XX/XX/year> through XXXX XXXX XXXXXXXX Filed Notice of Rescission on XX/XX/year> due to multiple federal violations ( TILA, FDCPA, GLBA, misrepresentation, deceptive practices ) Sent formal Request for Accounting & Debt Validation XXXX did not respond Filed lawsuit ( XXXX ), now removed to federal court On XX/XX/year>, TransUnion XXXX a XXXX late payment for XX/XX/year> despite the contract being rescinded and disputed XXXX is reporting XXXX debt they can not validateone that is legally disputed, rescinded, and unenforceable. TransUnion is reporting this derogatory information without proper investigation. 

This is a willful violation because : No valid debt exists XXXX never responded to rescission or validation The matter is under litigation Reporting a late payment on a rescinded contract is impossible TransUnion failed to ensure accuracy under FCRA 607 ( b ) TransUnion is publishing false information that is damaging my credit, reputation, and legal standing while I am actively litigating against the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In early XX/XX/year>, I used Wells Fargos online XXXX XXXX service to send a payment of {$4200.00} via paper check. On the same day ( XX/XX/year> ), Wells Fargo immediately deducted the full {$4200.00} from my checking account. 
A Wells Fargo representative explicitly told me the check would be delivered on or around XX/XX/year>. Unlike every other bank I have used, Wells Fargo debits the full amount the moment the bill payment is initiated even though it is sent as a paper check that XXXX take weeks to arrive and clear. This practice misleads customers into believing the payment has been completed when, in reality, the funds are simply removed upfront while the check is still in the mail. 

On XX/XX/year> at XXXXXXXX XXXX I received an email from Wells Fargo stating that the check was never cashed and that the {$4200.00} will be returned to my account within XXXX business days. 
Because Wells Fargo held my money for exactly XXXX months ( XX/XX/year> XX/XX/year> ) for a payment that was never presented, I incurred the following damages : Late penalties and fees totaling {$520.00} from the original payee ( I have never paid anything late before this incident ) Loss of use of my own funds for XXXX days Significant stress and time spent resolving the issue Wells Fargos practice of immediately debiting the full amount for paper-check bill payments without clear, prominent disclosure is unfair, deceptive, and deviates from standard industry practice. It caused me direct financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this complaint because several items being reported on my credit reports are incorrect. Some accounts are showing late payments that I never made, and several charge-off and collection accounts do not belong to me. There are also inquiries that I did not authorize. I am requesting a full investigation and correction. 

Late Payment Accounts These Are Wrong These accounts are reporting late payments, but I have never been late. Please correct the payment history. 

XXXX XXXX XXXX XXXX XXXX  High Balance : {$5300.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$560.00} Date Opened : XX/XX/XXXX Charge-Off & Collection Accounts I Do Not Recognize Any of These I do not know these accounts, I never opened them, and I have no relationship with these companies. Please delete them if they can not be verified with proper documentation. 

XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$15000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$11000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$15000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$3900.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$1700.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$360.00} Date Opened : XX/XX/XXXX Unauthorized Hard Inquiries These inquiries were not authorized by me. Please remove them. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Requested Action Correct all the wrong late payment information Delete all charge-off and collection accounts that do not belong to me Remove unauthorized inquiries Send me confirmation after the investigation is completed Thank you for reviewing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XXXX, I consolidated my federal student loans into a single Direct Consolidation Loan. After consolidation, the original underlying loans were closed and should no longer be reported as individual accounts. 

When my loan servicing was later transferred to XXXX, they began reporting the seven original pre-consolidation loans as if they were still active. These are duplicate and inaccurate accounts that should not be on my credit report. 

XXXX also reported a XXXX late payment across all seven of these incorrect accounts. This reporting is factually wrong because : These seven accounts should not exist individually after the XXXX consolidation, and My consolidation loan was in deferment during the time XXXX marked as late. Loans in deferment can not be reported as late under federal guidelines. 

In addition, XXXX has been adding random or inconsistent remarks to these inaccurate accounts every couple of weeks, which continuously lowers my credit score and creates the appearance of new negative activity. This ongoing reporting is damaging and misleading, and it does not reflect my true loan status. 

I have already disputed this with all three credit bureaus and with XXXX directly, but the inaccurate duplicate accounts, the false late payment reporting, and the repeated remarks continue. 

I am requesting that the seven duplicate pre-consolidation accounts be corrected to reflect : Closed/paid through consolidation as of XXXX that all false late payment reporting be removed, and that XXXX cease adding inaccurate or unnecessary remarks to these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief