vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I face multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the XXXX data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXXXXXX Balance : {$870.00} Date XXXX XXXX ) XXXX XXXX XXXX : XXXX Date XXXX XXXX ) XXXX XXXX XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXX XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXX XXXX XXXX : XXXX Date XXXX XXXX ) XXXX XXXX XXXX XXXX : XXXX Date XXXX XXXX ) XXXX XXXX XXXX Balance : XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX ) XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX INCORRECT NAMES LISTED : XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX UNAUTHORIZED INQUIRIES LISTED : 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 2025-06-01 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on XXXX XXXX, I'm now requesting you investigate and provide verifiable proof with records showing that I had late a payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-06-01 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 recently reviewed my credit report and noticed an account that was not reporting accurately. i had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on XXXX XXXX, I'm now requesting you investigate and provide verifiable proof with records showing that I had late a payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MI

Complaint narrative:
I am submitting this formal complaint against Equifax, Experian, and TransUnion due to their continued reporting of inaccurate, incomplete, and unverified information on my credit reports, including but not limited to debts, collections, charge-offs, account status, and different collection agency info. 

Specific Issues : Certain accounts are being reported without accurate details; such as correct balances, dates of delinquency, payment history, account status, account details related to percentage of on time payments made and different collection agency addresses. 

Several items listed are incomplete, missing critical identifying information, account numbers, or accurate creditor details. 

I have reason to believe that some of these accounts are unverified or unverifiable, yet they continue to be reported without validation. 

Disputed items remain on my credit report without proof of a reasonable reinvestigation or any explanation of how these accounts were verified. 

Despite submitting disputes, I have not received sufficient documentation showing how the bureaus verified the accuracy of the information, nor have I been informed of the methods used to validate these accounts. 

Request for Relief : Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the CFPB instruct the credit reporting agencies to do the following : 1. Conduct a full reinvestigation of each disputed item. 

2. Provide a detailed explanation of the verification process for each account, including the name of the entity that verified the debt, date and how it was confirmed.

3. Verify the accuracy and completeness of all reported information through original sources.

4. If any account can not be properly verified, either correct or permanently delete it from my credit report. Accounts listed below : XXXX. XXXX XXXX XXXX  Account # XXXX Balance- {$1100.00} XXXX. XXXX XXXX XXXX  Account # XXXX Balance- {$540.00} XXXX. XXXX XXXX XXXX Account # - XXXX Balance- {$1200.00} XXXX. XXXX XXXX Account # - XXXX Balance- {$960.00} XXXX. XXXX XXXX Account # - XXXX Balance- {$920.00} XXXX. XXXX XXXX Account # - XXXX Balance- {$690.00} Ensure that this process is completed within the 30-day timeframe established by the FCRA. 

Please consider this a formal complaint for non-compliance with federal consumer protection laws and request your offices assistance in ensuring my rights are upheld. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Date : XX/XX/2025

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 2025-06-01 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: NJ

Complaint narrative:
I am rejecting this response because : XXXX XXXX XXXX recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX  has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted XXXX XXXX XXXX, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. XXXX XXXX XXXX failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. XXXX XXXX XXXX continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that TXXXX XXXX XXXX adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a quarantee that my consumer rights will be respected moving forward

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the verification of the account referenced above, which I believe contains inaccurate information on my credit report. I am a victim of identity theft and fraud, and I initially disputed this account as it does not belong to me. Despite my previous communication, I received a response stating that the account was verified as belonging to me, with no changes made. 

Account Details : Account Number : XXXX Creditor Name : XXXX/XXXX  Account Number : XXXX Creditor Name : XXXX  Account Number : XXXX Creditor Name : XXXX  XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Creditor Name : XXXX XXXX XXXX the Fair Credit Reporting Act ( FCRA ), specifically Section 1681c-2, consumers who are victims of identity theft have the right to request that fraudulent information be removed from their credit reports. Additionally, Section 1681i requires that furnishers of information conduct a reasonable investigation of disputes. Given my status as a victim of identity theft, I am requesting that you conduct a thorough re-investigation into the accuracy of this account. 

Request for Deletion : Since this account has been reported as charged off and is not mine, I respectfully request its removal from my credit report. If you can not provide verifiable evidence that this account legitimately belongs to me, I ask that you delete it promptly in compliance with the FCRA. 

Thank you for your prompt attention to this important matter. I look forward to your response and the resolution of this dispute. You can reach me at the phone number or email address listed above. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I am filing a complaint regarding my student loan account serviced by American Education Services ( AES ) and owned by XXXX XXXX I am facing severe financial hardship, which has resulted in a persistent delinquency. Despite multiple attempts to get help, both AES and XXXX have stated they can not assist me under the current loan terms. 

Due to my fixed income and full-time caregiving responsibilities for my mother, I am only able to resume making the minimum monthly payments on my student loan. These minimum payments, unfortunately, do not significantly reduce the number of days my account is delinquent unless I pay more than the minimum amount. Given my current financial limitations and lack of prospects for increased income, I am unable to bring my delinquency level below the threshold required to qualify for hardship forbearance or other assistance programs. This creates an inescapable loop : I am making payments, yet making no real progress in reducing the overall loan balance or improving my delinquency status. This situation essentially traps me in a debt cycle, with a continued negative impact on my credit report. Despite resuming payments and informing American Education Services that I can barely afford the minimum amount, I find myself in a debt trap, where neither the lender nor the servicer has offered a viable solution or a way out. 

I am on a fixed income ; VA XXXX and the XXXX XXXX after XXXX XXXX. I am the full-time caregiver for my mother who is XXXX XXXX with late-stage XXXX 's with XXXX XXXX XXXX XXXX XXXX. I am her sole caregiver. Taking on the responsibility brought added expenses that caused confusion and delinquency. I regret the extensive days delinquent. Nevertheless, I need help because the state I am left in has become inescapable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On or about XX/XX/year> I called Experian Credit Bureau about inquiries on my current consumer report that are fraudulently reporting false information on my consumer report where there was no offer or transaction with such companies. I asked that these inquiries be removed immediately per FCRA 605b ( 15 U.S.C XXXX ) and XXXX XXXX XXXX XXXX The inquiries in question are as follows : XXXX XXXX XXXX XXXX NA XX/XX/year> XXXX ) XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XX/XX/year> XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-01 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: AR

Complaint narrative:
Experian refuses to update my XXXXXXXX XXXX account as NEVER LATE and CURRENT in spite of my several screen shot uploads of payments made during the month reported as late! They are NOT verifying and using XXXX XXXX! They refuse to provide WHO they spoke to or validation of what they are claiming! Also reporting {$1.00} past due?! Ridiculous! They are in violation of laws!

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 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with the credit bureaus and it's coming back as updated and verified without the proper investigation. The company failed to send me any of the information requested, even with my other complaint verification of debt was never sent, the ORIGINAL contract bearing my signature and explanation of the amount, and how it was calculated. 

XXXX XXXX XXXX XXXX : {$530.00} Opened XX/XX/XXXX Experian Report # XXXXXXXX XXXX XXXX Amount : {$660.00} XXXX XX/XX/XXXX Experian Report XXXX XXXX XXXX XXXXXXXX  Amount : {$200.00} Opened XX/XX/XXXX Experian Report XXXX XXXX I have tried contacting XXXX  by mail and disputed with the credit bureaus.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently reviewed my credit report and found several accounts that do not belong to me, including those from XXXX XXXX XXXX and XXXX XXXX XXXX. These inaccuracies are having a profoundly negative impact on my life. Additionally, my credit report lists addresses where I have never lived.

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 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a Wells Fargo credit card holder. I recently requested a refund from XXXX, a travel agency, which was approved and issued on their end. Wells Fargo notified me that the refund was posted to my credit card account ; however, after carefully reviewing my transaction history, I do not see the refund reflected there. 

I have contacted Wells Fargo customer service multiple times in an effort to resolve this issue. Unfortunately, each time Ive called, Ive been treated rudely and have not received any clear or consistent explanation regarding the status of my refund. 

At this point, I am requesting that this matter be properly investigated and resolved. I would appreciate clear communication and documentation confirming the status of the refund and when I can expect to see it reflected in my account.

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 2025-06-01 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I believe I was scammed by a company offering a debt relief program. They presented the program as a way to help me reduce my monthly payments and get out of debt, but they never clearly explained that all my credit card accounts would be closed, marked with late payments, and sent to collections. I would have never agreed to this if I had fully understood the consequences.

The representatives made it sound like my credit would be protected or improved, but instead, my credit score has been completely destroyed. I had years of excellent payment history and good standing accounts that are now ruined. I was never told that my accounts would be charged off or that it would leave a permanent negative mark on my credit report.

I feel completely misled and taken advantage of. This program caused more damage than help, and I want the CFPB to investigate this company for deceptive practices. I am requesting that the negative accounts, late fees, and collections be removed from my credit reports as I did not knowingly or willingly agree to this kind of outcome. This has left me in a worse financial position than before I joined the program. 

Please help me fix my credit and hold this company accountable for what theyve done.

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 2025-06-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am disputing a XXXX late payment reported on my Comenity/XXXX account ( # XXXX ) in XX/XX/year>. These late payments appear on one bureau 's report ( XXXX XXXX  XXXX but not on XXXX or my third-party monitoring report ( XXXX ) .I have made timely payments and request that these inaccurate entries be removed. Previous disputes have not resolved the issue. This is affecting my credit unfairly.

Company response to consumer: Closed with non-monetary relief