vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Had two separate private student loans with XXXX  XXXX. Was part of the class action lawsuit XXXX vs XXXX  XXXX and both loans were terminated. Never received any documentation from XXXX  stating that nothing further is owed on the loans. Would like a letter of release of liability from XXXX  for both of the loans please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
I am sending to follow up on my previous dispute regarding the reporting of inaccurate and unverifiable accounts on my credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I am protected under FCRA 604 ( a ), 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ), which require that all information furnished to consumer reporting agencies be accurate, verified, and reported only for a permissible purpose. 

The following accounts remain in dispute : 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 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 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 explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC {$590.00} Suppose to delete debt thats not mines sent debt validation letter I received nothing back after 35 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this 7th expedited follow-up complaint regarding an inaccurately reported late payment on a recently opened account. Despite prior disputes, the account continues to reflect late payments that do not accurately represent the payment history or terms at the time of account opening. I am requesting that the credit reporting agency conduct a thorough reinvestigation and update the account to reflect the correct status in compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), I have the right to dispute information on my credit report that I believe is inaccurate or incomplete. The credit reporting agency is required to conduct a reasonable reinvestigation within 30 days and report the results back to me.

Furthermore, under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are mandated to maintain reasonable procedures to ensure maximum accuracy of the information they report. The continued reporting of a late payment that does not reflect my actual payment history demonstrates failure to follow these accuracy procedures, thereby harming my credit profile.Additionally, FCRA 609 ( a ) ( 15 U.S.C. 1681g ) grants me the right to request disclosure of all information contained in my credit report, including sources of the disputed account, to verify the accuracy of the reporting.If the information is found to be inaccurate, under FCRA 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), the credit reporting agency must promptly correct or delete the inaccurate information and provide me with a written confirmation along with an updated credit report reflecting the correction.

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 2025-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect DOB XXXX XXXX XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challengeXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX

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 2025-10-28 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: TX

Complaint narrative:
Could you double-check this entry? Its submitted late and could be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I am submitting as a consumer who has carefully reviewed my credit report and identified inaccurate reporting that is negatively affecting my financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, I have the right to dispute inaccurate information and to have disputed accounts reinvestigated to ensure maximum possible accuracy. The account I am disputing is detailed below. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
This complaint is submitted by XXXX XXXX XXXX, XXXX ( Authorized Representative : XXXX XXXX ) on behalf of XXXX XXXX, against Equifax Information Services LLC for violations of the Fair Credit Reporting Act ( FCRA ). Despite a formal dispute sent on XX/XX/year>, Equifax continues to report duplicate and inconsistent information for XXXX XXXX XXXX accounts ( Nos. XXXX and XXXX ). 

XXXX entry lists the account as Charge Off, while another reports it as Dispute Resolved Consumer Disagrees with a {$0.00} balance. These discrepancies violate FCRA 607 ( b ), 611 ( a ), and 623 ( b ), which require accuracy, proper reinvestigation, and correction of disputed data.

Equifaxs failure to correct or delete these conflicting entries constitutes negligent and willful noncompliance, resulting in harm to XXXX XXXX credit profile and reputation. The complainant requests that the CFPB investigate Equifaxs reporting and enforcement failures, compel the bureau to remove or correct all inaccurate data, and ensure full compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am sending this complaint to report multiple inaccurate, unverifiable, and misleading accounts that continue to appear on my credit report despite previous disputes. These accounts contain inconsistent payment details, incorrect balances, and instances of duplicate reporting, all of which have negatively affected my credit standing. The continued presence of these inaccuracies raises concerns about the credit bureaus and furnishers compliance with the Fair Credit Reporting Act ( FCRA ), particularly regarding the duty to maintain and report accurate and verifiable information. 
). XXXX XXXX Balance {$15000.00} XXXX  XXXX Balance {$15000.00} XXXX XXXX XXXX Balance {$16000.00} XXXX  XXXX Balance {$10000.00}

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 2025-10-28 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: NC

Complaint narrative:
I am sending this complaint to report multiple inaccurate, unverifiable, and misleading accounts that continue to appear on my credit report despite previous disputes. These accounts contain inconsistent payment details, incorrect balances, and instances of duplicate reporting, all of which have negatively affected my credit standing. The continued presence of these inaccuracies raises concerns about the credit bureaus and furnishers compliance with the Fair Credit Reporting Act ( FCRA ), particularly regarding the duty to maintain and report accurate and verifiable information. 
). XXXX XXXX Balance {$15000.00} XXXX  XXXX Balance {$15000.00} XXXX XXXX XXXX Balance {$16000.00} XXXX  XXXX Balance {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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 submitting to formally dispute inaccurate and potentially misleading information appearing on my credit report regarding XXXX accounts that are currently reported with unclear or vague status designations. These designations may misrepresent the true nature of the accounts, including their charge-off status, and could negatively impact my creditworthiness. The status designations in question are vague, lack an industry-standard definition, and may violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that all information furnished to credit reporting agencies be accurate, complete, and not misleading. Under FCRA Section 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute this information and request a thorough investigation to verify the accuracy and completeness of these accounts with the original data furnishers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$20000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: AR

Complaint narrative:
In accordance with the fair credit act accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX : account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX I looked at my Experian report some things are incomplete and not. According to the FCRA 15. USC 1681E ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UBS BANK USA
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to UBS BANK USA dated XX/XX/year>2025, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), UBS BANK USA has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since UBS BANK USA did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure XXXX XXXX immediate compliance with FCRA requirements. 
UBS BANK USA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally dispute inaccurate account currently being reported on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( 15 U.S.C. 618i ) Dispute inaccurate information with credit bureaus ; FCRA 623 ( a ) ( 2 ) Duty of furnishers to correct and update inaccurate information ; FCRA 623 ( b ) Furnishers duty to investigate disputes ; and FCRA 602Congressional findings emphasizing fairness, accuracy, and integrity in credit reporting. The account listed below contains inaccurate reporting and requires correction or verification. 
XXXX XXXX XXXX Balance : {$56000.00}

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 2025-10-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this formally dispute several inaccurate and outdated items currently being reported on my credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 605 ( a ) ( 15 U.S.C. 1681c ) Prohibiting obsolete or outdated information from being reported ; FCRA 623 ( a ) ( 5 ) Requiring accurate reporting of the Date of First Delinquency ( DOFD ) ; and FCRA 604 ( a ) ( 3 ) Restricting inquiries to those made with a permissible purpose. The information listed below contains discrepancies, outdated data, and unverifiable details that have negatively affected my credit standing. I request a full reinvestigation and correction. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$94.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$580.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against WELLS FARGO BANK N.A a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

WELLS FARGO BANK N.A XXXX, WELLS FARGO BANK N.A XXXX, WELLS FARGO BANK N.A 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 explanation
Consumer complaint received 2025-10-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to formally report Experians continued noncompliance with the Fair Credit Reporting Act ( FCRA ) despite multiple written disputes and the submission of a valid FTC Identity Theft Report with supporting documentation. Despite my repeated requests on XX/XX/year>, XX/XX/year>, Experian has failed to remove or block the fraudulent XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX that were opened as a result of identity theft. This inaction constitutes clear violations of FCRA 1681i ( a ) ( 1 ), 1681c-2 ( a ), and 1681i ( a ) ( 5 ) for failing to conduct a reasonable reinvestigation, refusing to block identity theftrelated information, and continuing to report inaccurate data. I have provided Experian with all the necessary identification and evidence to support my claim, including my FTC Identity Theft Report No. XXXX, proof of address, and government-issued identification. Their repeated disregard of my legal rights under the FCRA has caused ongoing harm and emotional distress due to inaccurate reporting on my credit file.

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