vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
On XX/XX/year>, I received a letter from Wells Fargo denying me for auto financing. The application had been submitted around XX/XX/XXXX by XXXX XXXX on my behalf. The denial letter said they couldnt offer credit because the payment was too high compared to income, I didnt have enough credit cards paid as agreed, my most recent card was too new, and they couldnt verify the phone number provided. 

The confusing part is that my XXXX  credit score at the time was XXXX, which is very strong. I have no major issues on my credit report. The problem seems to be that I receive non-taxable VA XXXX income, and lenders keep automatically denying me because their systems dont recognize or verify that type of income. Wells Fargo didnt contact me to request documents or even give me a chance to explain my income before denying the application. 

This isnt the first time this has happened. I feel like Im being treated unfairly for having a form of income thats legitimate but doesnt fit their automated process. I believe this could be considered discrimination, especially since Im a XXXX XXXX  and the income is tied to that status. Im asking for this case to be reviewed and to make sure proper lending guidelines and fair treatment were followed.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( XXXX  ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX  ) has recently filed a lawsuit against Experian, 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 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 's inaction violates federal law and my rights as a consumer.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Bankruptcy Removal Request Public Records ( Dismissed Bankruptcy ) To : XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Date : [ Insert Todays Date ] Subject : Dispute of Public Record Dismissed Bankruptcy Dear XXXX, I am writing to dispute a dismissed bankruptcy filed on XX/XX/year> and another bankruptcy filed on XX/XX/year> appearing on my credit file. This bankruptcy was not discharged and should not be treated as a valid or enforceable public record. 
Furthermore, I contacted the U.S. District Court, and they confirmed that they do not report to credit bureaus. If this public record was sourced from a third party such as XXXX or XXXX, it is not a direct verification from the court and must be removed under the FCRA. 
Please delete this item from my credit report and provide confirmation of the investigation 's results. 
Sincerely, 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX XXXX on XX/XX/2025 with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX XXXX on XX/XX/2025 with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding a charged-off account reported by XXXX XXXX ( Acct. # XXXX ) on my credit reports. This account reflects a {$0.00} balance and is still marked as Charge-Off despite being closed or paid. 

I believe this is an unfair and misleading representation under the FCRA, specifically 604, which requires a valid and verified purpose for furnishing or reporting credit data. I also have not been provided documentation verifying the debt or confirming that XXXX XXXX had a legal right to furnish this 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 explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account XXXX XXXX XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account.If you believe that you have sent proper notification please provide " certified mail '' with receipt displaying my signature. If not, please delete account as soon as possible from my reports or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I was sold a bad grade vehicle and I was very disappointed. it gave me problems from the start. it left me on the side of the road with XXXX miles on the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
The following account were disputed with all credit bureaus due to regular late payments that I believe were reported inaccurately. One bureau found the information to be incorrect and removed the late payments from my credit report. However, the other bureaus either failed to respond appropriately or returned generic, unverifiable responses. This has resulted in inconsistent credit reporting across bureaus and demonstrates non-compliance with FCRA obligations to correct unverifiable data. 
XX/XX/XXXX Balance : {$21000.00}

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding XXXX XXXX XXXX XXXX and XXXX XXXX, which are reporting or attempting to collect on alleged credit card accounts in my name. 
These companies have violated federal laws by accessing and reporting my information without a permissible purpose or my consent. 

Violations Identified : FCRA 604 ( 15 U.S.C. 1681b ) : No permissible purpose.

FDCPA 807 : Deceptive practices.

FDCPA 809 : Failure to validate debt.

Privacy Violations : Unauthorized use of my data.

Requested Action by CFPB : Investigate the agencies.

Require proof of right to report/collect.

Remove unauthorized entries.

Take enforcement action.

I have enclosed supporting documentation. Please confirm receipt and provide updates regarding your investigation. 

Creditor/Collection Agency : XXXX Account Number : XXXX Original Creditor : XXXX Purchased by : XXXX XXXX XXXX XXXX Account Type XXXX Credit Card Date Opened : XX/XX/XXXX Status : Closed. {$460.00} written off. 

Balance : {$0.00} ( as of XX/XX/XXXX ) Credit Limit : {$300.00} Last Payment Date : XX/XX/XXXX Creditor/Collection Agency : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Purchased by : XXXX XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged off. {$370.00} written off. 

Balance : {$0.00} ( as of XX/XX/XXXX ) Credit Limit : {$200.00} Last Payment Date : XX/XX/XXXX Thank you for your prompt attention to 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
They looked and saw that I previously filed a complaint XX/XX/year> reference number XXXX where they showed I indeed was not 30 days late at any point. They have still yet to fix it on their end.This loan is also still active and I am making payments on it monthly. 

I have another ticket XX/XX/year> reference number XXXX. I have yet to hear anything back, nor does my credit reflect the update.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
They looked and saw that I previously filed a complaint XX/XX/year> reference number XXXX where they showed I indeed was not 30 days late at any point. They have still yet to fix it on their end.This loan is also still active and I am making payments on it monthly. 

I have another ticket XX/XX/year> reference number XXXX. I have yet to hear anything back, nor does my credit reflect the update.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with 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 explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following account ( XXXX ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these accounts. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are one or more accounts on my credit report that contain inaccurate or incomplete information. Despite my efforts to dispute and request corrections, the creditor ( s ) and credit reporting agency have refused to update, correct, or delete the inaccurate information. This inaccurate reporting is harming my credit score and financial reputation. Under FCRA 623 ( a ) ( 2 ), furnishers are required to conduct a reasonable investigation and promptly correct or delete any information found to be inaccurate or incomplete. However, these obligations have not been met in my case. 
XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are one or more accounts on my credit report that contain inaccurate or incomplete information. Despite my efforts to dispute and request corrections, the creditor ( s ) and credit reporting agency have refused to update, correct, or delete the inaccurate information. This inaccurate reporting is harming my credit score and financial reputation. Under FCRA 623 ( a ) ( 2 ), furnishers are required to conduct a reasonable investigation and promptly correct or delete any information found to be inaccurate or incomplete. However, these obligations have not been met in my case. 
XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief