vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: NY

Complaint narrative:
I am submitting this complaint as a concerned consumer regarding several late payment entries reported on my credit report that I believe may be inaccurate, incomplete, or not fully verified in accordance with the Fair Credit Reporting Act ( FCRA ). 

Over the past year, I have experienced a series of unforeseen personal and financial challenges, including medical expenses and a temporary reduction in work hours, which caused me to fall behind on a few financial obligations. Despite these difficulties, I have since regained stability and am actively working to rebuild my credit health. 

Below are the accounts I believe require further investigation or correction : XXXX  XXXX XXXX Balance : {$6500.00} Late : 30 days ( XX/XX/XXXX ), 60 days ( XX/XX/XXXX ), 90 days ( XX/XX/XXXX ), 120 days ( XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} Late : 30 days ( XX/XX/XXXX ) XXXX Student Loan XXXX Late : 30 days ( XX/XX/XXXX ), 60 days ( XX/XX/XXXX ), 90 days ( XX/XX/XXXX ) XXXX  XXXX XXXX XXXX : {$110.00} Late : 30 days ( XX/XX/XXXX ), 60 days ( XX/XX/XXXX ), 90 days ( XX/XX/XXXX ) XXXX  XXXX XXXX Balance : {$150.00} Late : 30 days ( XX/XX/XXXX ), 60 days ( XX/XX/XXXX ), 90 days ( XX/XX/XXXX ) XXXX  XXXX XXXX Balance : {$140.00} Late : 30 days ( XX/XX/XXXX ), 60 days ( XX/XX/XXXX ), 90 days ( XX/XX/XXXX ) XXXX  XXXX XXXX Late : 30 days ( XX/XX/XXXX ), 60 days ( XX/XX/XXXX ), 90 days ( XX/XX/XXXX ) I am requesting that these late payment entries be reinvestigated, and if they can not be fully verified or are found to be inaccurate, they should be corrected or removed. 

Legal Basis Under the FCRA I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), which ensures that information reported about consumers is accurate, fair, and verifiable. The following sections of the law apply directly to my situation : FCRA 623 ( a ) ( 2 ) Data furnishers have a duty to correct and update information found to be inaccurate or incomplete. 

FCRA 611 Consumers have the right to dispute information, and furnishers and credit bureaus must reinvestigate and resolve disputes within 30 days.

FCRA 605 ( a ) Limits the reporting of outdated or obsolete information, including late payments beyond the allowable time frame.

FCRA 602 ( a ) Ensures that the credit reporting system operates with accuracy, fairness, and respect for consumer privacy. 

Under these legal protections, I am entitled to a timely and reasonable investigation and to have unverifiable or inaccurate information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint as a concerned consumer regarding several late payment entries reported on my credit report that I believe may be inaccurate, incomplete, or not fully verified in accordance with the Fair Credit Reporting Act ( FCRA ). 

Over the past year, I have experienced a series of unforeseen personal and financial challenges, including medical expenses and a temporary reduction in work hours, which caused me to fall behind on a few financial obligations. Despite these difficulties, I have since regained stability and am actively working to rebuild my credit health. 

Below are the accounts I believe require further investigation or correction : XXXX  XXXX XXXX Balance : {$6500.00} Late : 30 days ( XX/XX/XXXX ), 60 days ( XX/XX/XXXX ), 90 days ( XX/XX/XXXX ), 120 days ( XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} Late : 30 days ( XX/XX/XXXX ) XXXX Student Loan XXXX Late : 30 days ( XX/XX/XXXX ), 60 days ( XX/XX/XXXX ), 90 days ( XX/XX/XXXX ) XXXX  XXXX XXXX XXXX : {$110.00} Late : 30 days ( XX/XX/XXXX ), 60 days ( XX/XX/XXXX ), 90 days ( XX/XX/XXXX ) XXXX  XXXX XXXX Balance : {$150.00} Late : 30 days ( XX/XX/XXXX ), 60 days ( XX/XX/XXXX ), 90 days ( XX/XX/XXXX ) XXXX  XXXX XXXX Balance : {$140.00} Late : 30 days ( XX/XX/XXXX ), 60 days ( XX/XX/XXXX ), 90 days ( XX/XX/XXXX ) XXXX  XXXX XXXX Late : 30 days ( XX/XX/XXXX ), 60 days ( XX/XX/XXXX ), 90 days ( XX/XX/XXXX ) I am requesting that these late payment entries be reinvestigated, and if they can not be fully verified or are found to be inaccurate, they should be corrected or removed. 

Legal Basis Under the FCRA I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), which ensures that information reported about consumers is accurate, fair, and verifiable. The following sections of the law apply directly to my situation : FCRA 623 ( a ) ( 2 ) Data furnishers have a duty to correct and update information found to be inaccurate or incomplete. 

FCRA 611 Consumers have the right to dispute information, and furnishers and credit bureaus must reinvestigate and resolve disputes within 30 days.

FCRA 605 ( a ) Limits the reporting of outdated or obsolete information, including late payments beyond the allowable time frame.

FCRA 602 ( a ) Ensures that the credit reporting system operates with accuracy, fairness, and respect for consumer privacy. 

Under these legal protections, I am entitled to a timely and reasonable investigation and to have unverifiable or inaccurate information removed from my credit report.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
I am filing this complaint because Transunion has failed to correct inaccurate information on my credit report despite a formal dispute. Their actions are in violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information they report.

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 2025-08-26 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: TX

Complaint narrative:
My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX have never been late. Ive always had a great payment history with XXXX XXXX, and all my payments were set up on autopay. The late payment showing up on my report is actually due to a system error on their side when processing my payment. This billing mistake is completely on the companys end and doesnt reflect how I manage my payments. It also violates the USC Code 1681eb. Because of this error, Ive suffered serious damage to my reputation, character, lifestyle, and its affected my family too. I demand that this late payment be removed from my report immediately. These companies arent following the law specifically 15 USC 1666b which requires creditors to have proper procedures before marking a payment as late. They never sent me the required periodic statements or disclosures at least XXXX  days before the payment due date, as mandated by 15 USC 1666b ( a ). Ive asked them to provide proof that the statements were mailed or delivered on time, as allowed under rule 1002, but they have failed to provide it. This is unfair, illegal, and fraudulent. I expect the late payments to be deleted from my credit reports.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
To : Harvard Collection Services XXXX XXXX XXXX XXXX XXXX, IL XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Final Demand for Full Debt Validation Cease & Desist Collection Activities Account No. : XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX I. BACKGROUND On XX/XX/XXXX, I sent you a formal written request for validation of the above-referenced account, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681.

You failed to provide the required validation.

You continued reporting the alleged debt to XXXX ( last updated XX/XX/XXXX ) and other CRAs after my dispute, constituting continued collection activity in violation of law.

II. LEGAL VIOLATIONS 1. FDCPA 1692g ( b ) Failure to cease collection and validate after written request.

2. FDCPA 1692e ( 8 ) Furnishing credit information known to be disputed without marking it as disputed or without validation.

3. FCRA 623 ( b ) Failure to investigate upon CRA dispute.

4. FCRA 623 ( a ) ( 5 ) Failure to accurately report the Date of First Delinquency ( DOFD ). 
XXXX. Illinois XXXX XXXX XXXX ( XXXX XXXX  XXXX ) Your Illinois license ( # XXXX ) became active on XX/XX/XXXX. 
If you furnished or collected on this account from XX/XX/XXXX XX/XX/XXXX without an active license, you engaged in unlawful collection activity. 


XXXX. DEMAND FOR FULL VALIDATION Within XXXX calendar days of receipt, provide : XXXX. Proof of Legal Ownership & Standing Forward Flow Agreement, Bill of Sale, and full Chain of Title from original creditor to Harvard Collection Services.

Original signed agreement or application bearing my signature.

2. Date of First Delinquency Confirm DOFD per FCRA 623 ( a ) ( 5 ).

3. Full Itemized Accounting Principal, interest, fees, and any other amounts claimed.

4. Proof of Illinois Licensing For the period beginning XX/XX/XXXX when the account was first reported. 


IV. REQUIRED IMMEDIATE ACTIONS Until you provide the above : Cease all collection activities including credit reporting. 
Remove the account from all CRAs if you can not validate.

V. NOTICE OF LEGAL ACTION If you fail to comply within 7 days, I will : 1. File CFPB complaint for FDCPA & FCRA violations.

2. File Illinois Attorney General complaint for 225 ILCS 425 violations.

3. File IDFPR complaint for unlicensed collection prior to XX/XX/XXXX. 
XXXX. File a federal lawsuit in the XXXX XXXX XXXX Illinois seeking : {$1000.00} statutory damages ( FDCPA 1692k ( a ) ( 2 ) ( A ) ) Actual & statutory damages ( FCRA 616617 ) Attorneys fees and costs. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
My credit file is inaccurately reporting student loan accounts tied to XXXX XXXX XXXX of XXXX, despite the fact that these loans were fully resolved under the Sweet v. XXXX class action lawsuit in the XXXX XXXX XXXX for the XXXX XXXX XXXX California ( Case No. XXXX ). 

That lawsuit was filed in XXXX, and the Court granted final settlement approval on XX/XX/XXXX. The settlement provided for the full discharge of federal student loans for borrowers who attended certain schools with strong evidence of misconduct. XXXX XXXX XXXX was explicitly listed in Exhibit C of the settlement, which means my loans were included in the group of approximately XXXX borrowers entitled to automatic, complete relief including loan cancellation and credit repair. 

As part of that settlement, my accounts were supposed to be XXXX and deleted. Yet Experian, Equifax, and TransUnion continue to report these loans as active, which is inaccurate and misleading. These loans were legally settled and XXXX ; they should no longer appear on my credit report in any form. 

I have already disputed this information, but the accounts continue to report. This violates the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires maximum possible accuracy, and Section 611 ( a ), which requires credit bureaus to conduct a reasonable reinvestigation of disputed information. 

This inaccurate reporting has damaged my credit standing and is unfairly preventing me from accessing financial opportunities.

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 2025-08-26 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the documents supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Bankruptcy in XX/XX/scrub> 2024, card company still reporting. False delinquency

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to dispute inaccurate late payment entries reported on my credit file with Experian. Upon reviewing my credit report, I found two accounts with incorrect late payment notations that are either improperly reported or lacking the necessary verification. These erroneous entries are negatively affecting my credit score and violate my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Legal Grounds for Dispute : FCRA 611 : Requires a fair reinvestigation of any disputed information.

FCRA 623 ( a ) ( 2 ) : Requires furnishers to promptly update and correct inaccurate information, including misreported delinquencies.

Therefore, I formally request that Experian : Conduct a full investigation of the disputed late payments reported on the XXXX XXXX accounts. 
Request that XXXX XXXX provide verified documentation of the late payments. 
Correct any unverifiable or inaccurate late payment data from my credit report. 
Provide me with written confirmation of the results of this investigation.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to dispute inaccurate late payment entries reported on my credit file with Experian. Upon reviewing my credit report, I found two accounts with incorrect late payment notations that are either improperly reported or lacking the necessary verification. These erroneous entries are negatively affecting my credit score and violate my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Legal Grounds for Dispute : FCRA 611 : Requires a fair reinvestigation of any disputed information.

FCRA 623 ( a ) ( 2 ) : Requires furnishers to promptly update and correct inaccurate information, including misreported delinquencies.

Therefore, I formally request that Experian : Conduct a full investigation of the disputed late payments reported on the XXXX XXXX accounts. 
Request that XXXX XXXX provide verified documentation of the late payments. 
Correct any unverifiable or inaccurate late payment data from my credit report. 
Provide me with written confirmation of the results of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX and into XX/XX/XXXX, I was the victim of a violent crime in XXXX XXXX, Nevada. I was drugged and robbed of all my belongings ( and XXXX  ) by two individuals who gained access to my phone and my wallet. They opened my XXXX XXXX account, XXXX XXXX account, used multiple credit cards, and gained access to my bank account with Wells Fargo. 

A criminal investigation is underway and a formal police report has been filed with the XXXX XXXX XXXX Police Department : Case # : XXXX ( Request information from XXXX Police Office XXXX. Request to speak to XXXX XXXX. ) I have requested to open up a claim for the fraudulent charges to my account but have been denied twice. When I call to request information on why they are denying the claim and if they investigated with the evidence I have provided, they respond with an unknowing answer and state that they have no evidence. I have pushed for this claim with lack of no response or follow through. The claim is still showing that it is pending as of XX/XX/XXXX, last updated XX/XX/XXXX ). I can prove these were unauthorized transactions made with the evidence provided. 

The charges are as follows : XXXX # XXXX {$410.00}, XXXX XXXX {$1000.00}, XXXX # XXXX {$420.00}, XXXX XXXX  {$200.00}, ( XXXX XXXX {$500.00}, XXXX XXXX {$500.00} - Approved dispute directly and received the funds back ). I have also filed a CFPB complaint against XXXX XXXX.

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 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am submitting a complaint regarding a collection account that I dispute. 

Creditor/Institution : Navy Federal Credit Union Account Number : XXXX This account is being reported as a collection, and I believe it is inaccurate and unverified. I request that the CFPB review this matter and In 2021, during the height of my financial struggles brought on by the COVID-19 crisis, I fell behind on my account with Navy Federal . Instead of receiving understanding or support during an already devastating time, I was subjected to constant harassment and aggressive collection tactics. Rather than working with me through this hardship, Navy Federals actions only worsened my situation and created unnecessary stress when I was already struggling to recover.

This experience not only damaged my financial stability but also my trust in an institution I expected to provide support and fairness. I have still not fully recovered from the financial crisis, and the treatment I received made my situation significantly worse. I am requesting that this matter be thoroughly reviewed, as consumers should not be harassed or mistreated during times of crisis, especially when they are doing their best to regain stability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief