vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I file XXXX  back in XXXX and all of the negative report should have been removed but it sense is still been on my report never been removed

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 2025-06-30 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: MD

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, XXXX, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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  Balance : {$1700.00}

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 2025-06-30 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Section 602 ( a ) affirms my right to privacy as a consumer.

Under Section 604 ( a ), consumer reporting agencies are prohibited from sharing any account information without my written consent.

Section 1681c ( a ) ( 5 ) further states that no consumer reporting agency may include any negative information in a reportexcept criminal convictionsif the information is more than seven years old.

Lastly, Section 1681s-2 ( a ) ( 1 ) provides that no person may furnish information to a consumer reporting agency if they know, or have reason to believe, that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am filing this complaint because Bank of America is inaccurately reporting my account as delinquent to the credit bureaus, despite the fact that I am in an active [ forbearance/payment arrangement ] and have complied fully with the agreed-upon terms. 

Creditor Name : Bank of America Account Number : XXXX Nature of Arrangement : was approved in XXXX XXXX Current Status : I have made all scheduled payments of {$210.00} as agreed under this arrangement. 

Despite this, my credit report indicates that I am [ XXXX days late for XX/XX/XXXX and XX/XX/XXXX ], which is inaccurate and misleading.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are legally obligated to report only accurate information. Reporting a delinquency while I am current under a valid agreement violates this provision.

In addition, Section 4021 of the CARES Act, which amended the FCRA, states that if a borrower receives a payment accommodation ( such as forbearance or a modified repayment plan ) due to hardship, and is complying with the terms, the account must be reported as current. 

The Consumer Financial Protection Bureau ( CFPB ) has also clarified in its XXXX guidance that creditors must not report consumers as delinquent if they are meeting the terms of a hardship agreement.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint because XXXX  XXXX XXXX is inaccurately reporting my account as delinquent to the credit bureaus, despite the fact that I am in an active [ forbearance/payment arrangement ] and have complied fully with the agreed-upon terms. 

Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Nature of Arrangement : was approved in XXXX XXXX Current Status : I have made all scheduled payments of {$210.00} as agreed under this arrangement. 

Despite this, my credit report indicates that I am [ 30-120+ days late for XX/XX/XXXX and XX/XX/XXXX ], which is inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are legally obligated to report only accurate information. Reporting a delinquency while I am current under a valid agreement violates this provision.

In addition, Section 4021 of the CARES Act, which amended the FCRA, states that if a borrower receives a payment accommodation ( such as forbearance or a modified repayment plan ) due to hardship, and is complying with the terms, the account must be reported as current. 

The Consumer Financial Protection Bureau ( CFPB ) has also clarified in its XXXX guidance that creditors must not report consumers as delinquent if they are meeting the terms of a hardship agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Please provide me with the following : XXXX XXXX XXXX ( XXXX ) XXXX. Chain of Assignment XXXX.Insurance Claim of Debt XXXX. My signature agreeing to pay Therefore, all collection efforts concerning this debt should IMMEDIATELY CEASE until verification. If not provided please remove accounts from my credit report Account is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMCB is reporting a XXXX in XXXX account with terms and balances I do not recall authorizing in this format. I requested verification through the credit bureau, but no documentation was provided. The balance and payment status appear to be negatively impacting my credit, and I believe the account is being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
On XX/XX/year> a draft was drawn up and offered to XXXX XXXX XXXX XXXX XXXX for acceptance and to be assigned and sold to EXETER FINANCE LLC for securitization and monetization for full amount of the purchase price of the vehicle. The draft has somehow been altered, hidden and disguised from my true and honest viewpoint. EXETER FINANCE LLC allegedly harasses me about an alleged debt they believe that I owe to them. EXETER FINANCE LLC concealed the fact they are servicing agents collecting on debt for another party that they sold the debt too. EXETER FINANCE LLC no longer OWNS THE ALLEGED DEBT they claim they are OWED. EXETER FINANCE LLC is harassing for extra funds when they have received double the benefit. EXETER FINANCE LLC has not sent over any requested forms per FOIA and my RIGHTS TO FAIR and ACCURATE INFORMATION. EXETER FINANCE LLC has damaged my credit report using frivolous reporting. EXETER FINANCE LLC CONCEALED INFORMATION NEEDED IN ORDER TO HAVE A MEETING OF THE MINDS. EXETER FINANCE LLC IS NOT THE HOLDER IN DUE COURSE. EXETER FINANCE LLC CAN NOT PROVIDE THE VALIDATION OF MY WET INK SIGNATURE BEARING VALIDITY OF MY LIFE AND BLOOD WITH SWEAT AND CONFIDENCE TO JUSTIFY THE ALLEGED DEBT THEY CLAIM I OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I spoke to an agent and they told me they would take care of the issue of the repossession and they did 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the presence of fraudulent accounts that have been reported on my credit file. Upon reviewing my credit report, I have identified several items that I believe are the result of fraudulent activity and do not reflect my actions. 
The specific items I am disputing are as follows : Fraudulent Accounts XXXX XXXX Account number XXXX Open Date XX/XX/XXXX Status Closed XXXX  Account number XXXX XXXX Date XX/XX/XXXX Status Closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2025-06-30 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: OH

Complaint narrative:
Subject : Dispute of Collection Account XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute a collection account reported by XXXX XXXX XXXX ( XXXX ) that appears on my Experian credit report. The information reported is as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Original Balance : {$1300.00} Date Opened : XX/XX/XXXX Status Updated : XX/XX/XXXX Balance as of XX/XX/XXXX : {$1300.00} On Record Until : XX/XX/XXXX I do not recognize this account, and I am requesting that Experian initiate a full investigation under the Fair Credit Reporting Act ( FCRA ) to verify the validity of this debt. 

Specifically, I request the following documentation : XXXX. A complete and unredacted copy of the bill of sale or assignment agreement showing that XXXX XXXX XXXX legally acquired this debt from the original creditor. 
XXXX. A full chain of title, documenting each transfer of ownership from the original creditor to XXXX XXXX XXXX. 
XXXX. A copy of the original signed contract or agreement, showing my liability for this alleged debt. 
XXXX. A full account statement and payment history, including how the amount of {$1300.00} was calculated. 

If XXXX XXXX XXXX can not provide this documentation to validate the debt, I am formally requesting that this account be deleted from my credit report immediately in accordance with FCRA guidelines. 

Please also mark the account as disputed during the course of your investigation. I have enclosed a copy of my government-issued ID and a utility bill to verify my identity and address. 

Thank you for your timely handling of this matter. I look forward to your written response within 30 days, as required by the FCRA. 

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 explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against TransUnion for failure to comply with the Fair Credit Reporting Act ( FCRA ) in its handling of a disputed bankruptcy record reported on my credit file. 

Despite multiple disputes submitted directly to TransUnion, the agency continues to report a XXXX  record ( Reference # XXXX ) that has not been verified with the original source the XXXX XXXX XXXX XXXX XXXXXXXX, FL. In response to my inquiries, the court has confirmed in writing that it does not validate or verify consumer data for any credit reporting agency. TransUnion 's continued reporting of this record, while relying on unverified third-party sources such as XXXX or XXXX, violates multiple provisions Specifically, TransUnion has violated the following federal statutes : XXXX. FCRA 1681e ( b ) : Failure to establish and follow reasonable procedures to assure maximum possible accuracy of the information in my credit file. 
XXXX. FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation upon my dispute of inaccurate information. 
XXXX. FCRA 611 ( a ) ( XXXX ) ( B ) ( iii ) : Failure to provide a description of the procedure used to verify the disputed information. 
XXXX. FCRA 1681s-2 : Responsibility of furnishers to provide accurate information and correct or delete unverifiable data. 
XXXX. FCRA 1681i ( a ) ( 5 ) : Requirement to delete disputed information that can not be verified within the XXXX reinvestigation period. 
XXXX. FCRA 1681n and 1681o : Civil liability for willful or negligent noncompliance. 

I have also expressed in my dispute letter that I do not consent to the use of automated systems such as e-OSCAR for dispute handling. The use of such systems, without regard to the specific evidence I provided, constitutes an unreasonable investigation and further violates FCRA requirements. 

I am requesting that the CFPB investigate this matter and compel TransUnion to : - Provide documentation of direct verification from the XXXX XXXX  XXXX. 
- Remove the unverified XXXX record and all associated accounts from my credit report. 
- Ensure compliance with FCRA by ceasing the use of unverifiable public records from third-party vendors for reporting. 

I have attached a copy of the dispute letter sent to TransUnion, as well as supporting documents verifying my identity. 

Thank you for your time and attention to this matter. I look forward to your assistance in ensuring that my rights as a consumer are fully protected under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$9800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00}

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 2025-06-30 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9300.00}

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 2025-06-30 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I received a collection letter from Resurgent Capital Services regarding an alleged XXXX XXXX Bank debt, now owned by XXXX XXXX XXXX  I sent a debt validation request under my rights via the FDCPA. Resurgent responded stating the debt was time-barred and that they would not sue or report it to any credit reporting agency. 

Despite this written assurance, XXXX XXXX  is reporting the debt on my XXXX  credit report. This contradicts their statement and appears to be a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I have requested proper validation, and they have failed to provide complete documentation. I am asking for assistance in ensuring the debt is removed from my credit file and that all future collection activities on this account cease immediately.

Company response to consumer: Closed with non-monetary relief