vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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:
I am writing to report an account on my credit file that I did not authorize or create. This appears to be a result of identity 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 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
My checking account was closed on XX/XX/XXXX without any explanation. When I called to ask why, the operator informed me that there was no reason listed for the closure. At the time the account was closed, it had a balance of {$6400.00}. 

I was told the issue was being looked into and that a check would be issued to return my funds. Once it was acknowledged that the account was closed without cause, I was informed a check had been sent and would arrive within XXXX business days. That check never arrived. 

I followed up, and was told I had to wait a certain number of days to see if it would be delivered. When it didnt arrive, I called again and was told that, because the account was closed, the process had to be restarted from the beginning. 

It has now been XXXX  days and I still have not received my funds, nor have I been given a clear explanation or resolution. This delay is unacceptable and has caused significant stress and hardship. I am requesting immediate action to release my funds and a full explanation as to why this situation has gone unresolved for so long.

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 2025-07-18 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

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 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I mailed a goodwill deletion request to LVNV Funding LLC on XX/XX/year>, from California. The request was regarding a collection account that has already been paid in full. In the letter, I respectfully asked LVNV to consider removing the paid account from my credit reports as a goodwill gesture, as I am actively working to rebuild and maintain a strong credit history.

As of today, I have not received a response or acknowledgment from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-18 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: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I had an income driven repayment plan on my account and all of my information was up-to-date and correct with XXXX. The credit service company dealing with the loan from XXXX XXXX  did not use any of that updated or accurate information to get a hold of me at all to let me know that the payments had resumed through email phone or address all of a sudden I got a charge on my credit for 90 to 120 days past due for three different loans which dropped my credit score significantly over XXXX points. I called them up immediately and paid off two of the loans and put the other in forbearance and explain to them how they didnt get a hold of me or use my updated information they refused to correct any of that even after filing disputes with the credit bureaus Im still left with significantly harmed credit for something that I never wouldve let default. I did everything I was supposed to on my end and yet here I am being stuck in a position because they didnt take the proper channels to get a hold of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: WI

Complaint narrative:
My credit score was not restored to it's original excellent standing after citing issues with the company 's communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I noticed that two accounts, one from XXXX XXXX  ( Account Number : XXXX ) and another from XXXX  XXXX ( Account Number : XXXX ), have been reported as charge-offs on my credit report. 

I believe these entries are inaccurate, outdated, and possibly unverifiable. I previously disputed them with the credit bureaus, but they failed to provide proper validation or remove the incorrect information. I have also submitted a report to the FTC under report number XXXX, and I am now escalating the matter to the CFPB for further investigation. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. These charge-offs are negatively affecting my credit score, and I request that they be fully investigated and removed if they can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
I am writing to dispute an account that has been wrongfully reported on my credit file. I did not authorize, initiate, or have any knowledge of this account, and I hold no responsibility for any activity associated with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I attempted to transfer {$700.00} to XXXX XXXX, a resident of XXXX, using PayPal. PayPal instructions were to enter the phone number or email address of the recipient. I entered the phone number and PayPal completed the transfer without any disclosure of the recipient. Within minutes, I received an email indicating I made a transfer to XXXX XXXX, and included {$4.00} service charge. I immediately called PayPal and was told the phone number was associated with another account ( that of XXXX XXXX ). The agent advised me to wait until the transfer from my bank account is completed, and then to dispute it with my bank assuring me that PayPal would cooperate with the bank, and further assuring me the dispute would be resolved to my satisfaction The agent very clearly stated the funds would then be deposited back into my bank account. 

I did as they advised and today learned that PayPal denied by dispute - claiming : " We have completed our investigation of your case and are denying it. After careful review, we have found the transaction was processed correctly and in accordance with the disclosures provided to you. The disclosures provided to you indicated {$700.00} USD would be transferred to XXXX no later than XX/XX/year>. According to our records, {$700.00} USD was delivered to XXXX on XX/XX/year>. Because the transaction completed correctly as disclosed, no error occurred. '' This is not true. PayPal did NOT disclose the recipient 's name until after it was too late for me to stop the transfer process. Further, they lied when they told me to wait until the bank transfer is complete in order to dispute the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo Collections ( WFC ) XXXX XXXX XXXX XXXX XXXX XXXX RE : Immediate Deletion Demand Account # XXXX {$440.00} To Whom It May Concern, This letter serves as your formal dispute and final demand regarding the collection account listed under Account Number XXXX, in the amount of {$440.00}, which is being reported to the credit bureaus by WFC under my name and personal information. 

You have failed to provide lawful validation of this debt. Providing a generic bill or payment statement is not sufficient validation under the law. Reporting this debt to consumer reporting agencies without full legal verification is a violation of my federally protected rights. 

You are in violation of the following laws : 15 U.S. Code 1692g ( b ) All collection efforts must cease until debt validation is properly provided.

15 U.S. Code 1681s-2 ( a ) You must report only complete, accurate, and verifiable information to the credit bureaus.

UCC 3-501 I demand presentation of the original, wet-ink signature contract proving liability for this debt.

UCC 1-308 I reserve all rights under the Uniform Commercial Code without prejudice.

You have failed to provide : A legally binding agreement signed by me.

A detailed breakdown of the {$440.00} balance.

Legal proof that you own or were assigned this debt.

Proof of your authority to collect debts in the State of Arizona. 
FINAL DEMAND : You are hereby ordered to immediately remove this account from XXXX XXXX XXXX XXXX within XXXX calendar days of the date of this letter. 

Failure to comply will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) Reports submitted to the Federal Trade Commission ( FTC ) and the Arizona Attorney General Civil legal action for defamation, emotional distress, and multiple federal violations This is your final warning. Cease all collection activity and immediately delete this unverified and inaccurate account from my credit reports. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-18 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account NamXXXX 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
I am requesting the removal of XXXX student loan accounts reported by XXXXXXXX XXXX XXXX XXXX that continue to show as XXXX days late on my XXXX  credit report. These accounts were previously disputed, but XXXX failed to correct or remove them, despite multiple violations of the Fair Credit Reporting Act ( FCRA ), including failure to verify the information, lack of permissible purpose, and failure to include a dispute notation. I am attaching my second dispute letter outlining these violations and demanding deletion of the inaccurate information.

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 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$52000.00} XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX/XXXX  XXXX Balance : {$180.00}

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 non-monetary relief
Consumer complaint received 2025-07-18 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: LA

Complaint narrative:
This complaint concerns TransUnions inaccurate and unlawful reporting of a XXXX XXXX account ( # XXXX ) .Report is showing XXXX as late but the other 2 bureaus show paid. There are multiple 120 days late markers on report as well as multiple charge offs. This is logically impossible and therefore factually incorrect. 

I have submitted disputes regarding this false reporting, yet TransUnion continues to verify the account without providing any supporting documentation. This is a violation of multiple federal statutes, including : FCRA 1681i failure to reinvestigate disputed data FCRA 1681s-2 ( b ) failure to correct false reporting FDCPA 1692g ( b ) failure to validate the debt FDCPA 1692e ( 2 ) ( A ) & ( 8 ) misrepresenting and continuing to report false information Additionally, XXXX XXXX has previously agreed to a cease-and-desist, but TransUnion has continued to allow this derogatory tradeline to appear, causing me emotional distress, credit denials, and financial loss. 

I demand immediate correction of the reported late payments or complete deletion of the XXXX XXXX tradeline. If this is not resolved within 15 days, I will pursue legal remedies. I am currently seeking {$2500.00} in statutory and actual damages.

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