vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a Wells Fargo Auto loan on XX/XX/XXXX, and made payments directly through the Wells Fargo mobile app, using my Wells Fargo checking account my only bank account. This method worked without issue for several months. 

However, in late XXXX, Wells Fargo made silent backend changes that disconnected Wells Fargo Auto from internal Wells Fargo bank accounts within their app. As a result, I could no longer make payments using my linked checking account unless I re-added it manually as an external account despite both accounts being with Wells Fargo. 

I received no notification or alert about this change. When I attempted to resume payments, the app would not allow it. I contacted customer service multiple times, but was repeatedly told there was no issue. This added to the confusion especially since Wells Fargo Auto does not control or have visibility into the app only Wells Fargo Bank does. The support I reached had no explanation for the broken functionality and no guidance on how to restore it. 

I ultimately figured out the problem myself and resumed payments on XX/XX/XXXX, through the app. Since then, I have maintained consistent, on-time monthly payments. The loan remains open and active, with a balance of {$11000.00} as of XX/XX/XXXX. 

This was not neglect or financial hardship it was a design flaw and communication failure by Wells Fargo that led to missed payments. Ive included supporting exhibits showing payment confirmations, system errors, app screenshots, and transaction history.

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 2025-06-07 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-06-07 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: DC

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX DC XXXX ( XXXX ) XXXX XXXX DOB : XX/XX/XXXX SSN ( last XXXX digits ) : XXXX Date : XX/XX/XXXX To Whom It May Concern, This is a formal dispute regarding the inaccurate and unverifiable Dept. of Education/Nelnet account being reported on my credit reports with Experian, TransUnion, and Equifax. I am requesting full deletion of the account under the Fair Credit Reporting Act ( FCRA ) due to multiple legal violations and failure to provide proper verification. 


Dispute Basis ( FCRA Violations and Legal Justification for Deletion ) 1. No Proper Verification Provided ( FCRA 611 ) : The only item returned in response to my dispute was a XXXX billing statement dated XX/XX/XXXX. This is not sufficient to meet the requirements of FCRA 611. No original signed promissory note, application, or documentation proving ownership of the debt was included. Under the law, if the account can not be verified, it must be deleted. 

2. No Signed Agreement or Legal Documentation Provided : There has been no documentation confirming my legal responsibility for this debt. I have not been shown a master promissory note, loan disclosure, or any agreement containing my signature. Without that, the furnisher and bureaus have failed to meet verification requirements.

3. Conflicting Information Across Credit Bureaus ( FCRA 607 ( b ) ) : This same account appears under different names, balances, and statuses across Experian, Equifax, and TransUnion. These inconsistencies violate the FCRAs requirement for maximum possible accuracy and further justify deletion.

4. Dispute Resolved Through Automated Systems ( Improper Investigation ) : The reinvestigation relied on e-OSCAR or automated methods without actual document review. This fails to meet the standard established by legal precedent ( Cushman v. TransUnion ) that requires credit bureaus to conduct a real investigation with supporting documentation.

5. No Proof of Authorization to Report : Creditors must provide proof that they are legally authorized to report a debt to the credit bureaus. I have not received any such documentation, and the continued reporting of this unverifiable account violates my consumer rights under FCRA 602 ( a ).

Requested Action I am formally requesting : Permanent deletion of the Dept. of EducationXXXX account from Experian, TransUnion, and Equifax. 
A written response confirming the results of this dispute and explaining the basis for any continued reporting. 
Removal within the 30-day FCRA timeframe, or this issue will be escalated to the FTC, XXXX, and State Attorney General. 


Attached Documentation Nelnet billing notice dated XX/XX/XXXX Screenshots of my credit reports from TransUnion, Equifax, and Experian Copy of government-issued photo ID Proof of address Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I applied to switch from the SAVE repayment plan to the PAYE plan in XXXX of XXXX. Mohela processed the application in XXXX of XXXX and incorrectly rejected me. I called and spoke to a supervisor who admitted that the rejection was a mistake on Mohela 's part, confirmed that I am eligible for the XXXXAYE plan, and told me that the mistake would be fixed and I would be placed into the PAYE plan in XXXX business days. A processing pause went into effect a couple of days later, so that XXXX day timeframe could not be honored, which I understood. When the processing pause was lifted, I called to ask if the XXXX day timeframe would still apply and was told no. I explained that because the situation was Mohela 's fault, and if they had done things correctly the first time I wouldn't be in this situation, they should honor that timeframe and I should be put into the PAYE plan. They still said they could give me no timeframe for when my application would be reprocessed, but assured me that eventually it would be. 

I called Mohela again in XXXX of XXXX  and then again in XXXX of XXXX  to check on the status of my application. Both times I was told that there was still no timeframe for when the application would be reprocessed, but both representatives assured me that it would happen. During both of these phone calls I asked if I needed to resubmit an application and was told no. I called again on XXXX and this time the representative I spoke to told me that I do need to reapply because my prior application was cancelled in early XXXX. I never asked for the application to be cancelled and was never notified by Mohela that it was cancelled. If I had not called to check the status I wouldn't have known they cancelled it. I asked why it was cancelled and the representative said Mohela 's system did it automatically. I think it is unacceptable that this was done without notifying me. Because of this I wasted a month without an active application, and if I had known immediately I would have reapplied immediately. The representative also told me that all of the previous representatives I spoke to were wrong, and that the original application never would have been reprocessed because it's impossible to reprocess a rejected application. If it's true that it could never have been reprocessed then I would have reapplied back in XXXX, but everything Mohela told me indicated that I didn't need to. 

All in all I have missed out on four months of qualifying payments for PSLF credit because of Mohela 's mistakes. If they had processed my application correctly in XXXX, or given me correct information since then, I would be on the new plan making payments. It is entirely Mohela 's fault that I am still in the SAVE forbearance that I desperately want to get out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I financed a car in XXXX with XXXX XXXX i paid my monthly bill< sometime around XXXX Santander USA started contacting me about the debt, i started to pay thinking this was the best method to complete my loan. i logged in as usual to pay and it said my account only owed {$990.00}, so i called to verify and was told the was my balance numerous times, i still owed {$6000.00} and some change. I called again to let them know there was a mistake and they insisted it wasn't, even goin so far to send me a letter stating that my loan has been satisfied, took their name off my title as a lean holder and the account came off my credit. Since this was the case i got collateral loan in which my car was the collateral. In order to do this in Missouri you must have a clean title, Santander also had to be contacted to make sure the title was clear by XXXX XXXX which they did to approve the loan. The loan was approved and i took on those financial obligations under the impression we were done. Some time passed and they came back to stay they made a mistake and i needed to pay the loan immediately proceeding to add the account back to my credit as delinquent. I called tried to reconcile but they refused to take any responsibility for their own clerical errors. i tried to log in to pay and i could before i got the loan, even called in to pay and was unable to. This has been on my credit and hindering me from excelling with my business and i desperately need help to move on with my life. Lastly the account is showing up incorrect on my report, i owe $ XXXX, they are reporting {$7000.00}. Documents will be enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I need to know the exact amount of money that I owe and why the information change every time I call

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I need to know the exact amount of money that I owe and why the information change every time I call

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: CA

Complaint narrative:
OLIPHANT USA LLC is trying to collect on a debt that was the result of identity theft I filed a report with the FTC and sent it to all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-07 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: TN

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-07 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: TN

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-07 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-07 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-07 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
What happened? ( Complaint narrative ) : I am a victim of identity theft and have submitted disputes and identity theft reports multiple times to Experian, Equifax, and TransUnion under FCRA 605B. I also submitted an FTC Identity Theft Report and a police report, requesting an immediate block and removal of fraudulent accounts as required by law. 
Despite this, the credit bureaus have continued reporting these unauthorized accounts and failed to block the disputed information. Additionally, they failed to update my personal identifying information, such as removing incorrect names, addresses, and employment entries, even after multiple requests. 
I also requested the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ), but I have not received any documentation or response. The reinvestigation processes were clearly automated ( via e-OSCAR ), not manual, and relied on frozen XXXX files, which makes the verification invalid. 
This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 605B, 611, 607, 616, and 617. These errors have caused damage to my credit, stress, and hardship. I am seeking an immediate block of the fraudulent data, correction of my personal file, and confirmation in writing of the actions taken. 
________________________________________

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-07 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: FL

Complaint narrative:
The credit reporting agency has failed to fully comply with my identity theft affidavit and supporting documentation. While some accounts were removed, others remain on my report despite my formal notice that I did not authorize their reporting and revoked all consent under FCRA 604 ( a ) and GLBA. These remaining accounts are being reported without permissible purpose or legal justification and should have been blocked or deleted under FCRA 605B.

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