vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: TN

Complaint narrative:
I am writing to formally dispute a derogatory account currently listed on my Equifax credit report. Due to the significant Equifax data breach, which exposed sensitive consumer information, I am concerned that my personal data may have been compromised and fraudulently used. 
Disputed Account : Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/year>XXXX  Balance : {$13000.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the legal right to dispute any item I believe to be inaccurate, fraudulent, or unverifiable. I request that Equifax immediately initiate a reinvestigation of this account. If the account can not be verified with proper, original documentation from the furnishing party, it must be deleted from my credit file. 
Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, ensures that debts reported must be legally valid and fully verified. If this debt was the result of unauthorized or fraudulent use of my identityparticularly in the wake of Equifaxs compromised systemsit must be removed immediately to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against NELNET, XXXX XXXX XXXX XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the XXXX XXXX XXXX.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a written identity theft dispute to TransUnion, Experian, and Equifax under FCRA 605B ( 15 U.S.C. 1681c-2 ), along with a valid FTC Identity Theft Report and proper identification. The law requires the credit bureaus to block the fraudulent information within 4 business days of receiving the request. They have not.

I identified multiple items that are clearly the result of identity theft and misuse of my personal information, including : A fraudulent auto loan from XXXX , which was tied to a rescinded contract and is falsely reported as a charge-off A collection by XXXX XXXX, which has never been validated despite years of disputes A closed credit card ( XXXX ) that continues to report 41 months of derogatory late payments Over a dozen unauthorized hard inquiries, including from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and others Incorrect personal information, including an address and employer I never authorized These items are not mine. I never gave written authorization for these inquiries or accounts. The continued reporting of this information violates federal law.

I am demanding immediate enforcement of FCRA 605B and full removal and permanent blocking of all fraudulent accounts, inquiries, and inaccurate personal information. Continued failure to comply constitutes willful noncompliance and opens the door to legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX. Date : XXXX To : Consumer Financial Protection Bureau ( CFPB ) Regarding : Jefferson Capital SystemsOriginal Creditor : XXXX Number : XXXXReported Balance : {$5400.00} Subject : Request for Reinvestigation and Deletion of Inaccurate Collection Account Dear CFPB Representative, I am submitting this formal complaint and second dispute request regarding a collection account being reported by Jefferson Capital Systems XXXX my XXXX  credit report. I previously disputed this account and was not provided sufficient validation or correction of the reporting errors. I am requesting a full reinvestigation and deletion due to the following serious factual inaccuracies : 1. Inaccurate Date Reporting * The account shows an open date of XX/XX/XXXX. 
* However, payment/collection history is shown starting XX/XX/XXXX, which is inconsistent and misleading. 
* Reporting activity prior to the account 's open date is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

2. Balance Stagnation No Updates or Activity * The reported balance has remained {$5400.00} since inception. 
* There have been no adjustments, payments, fees, or interest added or removed. 
* This indicates either no active collection or failure to update properly. 

3. Monthly " Collection '' Status Without Activity * The account is being marked in collection status for over 12 months ( XXXX XXXX XXXX  ). 
* If no collection attempts or communication occurred each month, this is false or misleading reporting. 

4. Failure to Validate Debt * XXXX XXXX is a debt buyer and, under the Fair Debt Collection Practices Act ( FDCPA ), must provide detailed validation when requested. 
* Despite my prior dispute, I have not received a signed contract, a breakdown of charges, or proof that I owe this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: MO

Complaint narrative:
Im XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress.

Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent. 
This has delayed both my home and business plans. Please take urgent steps to fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

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. 

XXXX XXXX- Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau Equifax credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XXXX received a letter from XXXX XXXX denying a credit card application because they weren't able to verify my identity. 

On XXXX on received a letter from Discover stating they received a credit card application with my name and social security number. If I did not recently apply please contact them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: DE

Complaint narrative:
I submitted written disputes to all three major credit bureaus ( Experian, Equifax, and TransUnion ) regarding inaccurate or unverifiable information on my credit reports. These disputes were sent by certified mail and received on the following dates : Experian Received XX/XX/year>XXXX  Equifax Received XX/XX/year>XXXX  TransUnion Received XX/XX/year>XXXX  Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation of any disputed item and respond within 30 days of receiving the dispute. 

Despite this, Experian verified and updated the information almost immediately before providing any acknowledgment or response to my mailed dispute. This suggests they did not conduct a lawful reinvestigation and potentially ignored the supporting evidence I included. 

As for Equifax and TransUnion, both still show my disputes as under investigation, but have listed a response deadline of XX/XX/year> more than 30 days from the date they received my dispute. This appears to violate the 30-day investigation rule under FCRA 611. 

Im concerned that my rights as a consumer are being violated. I followed proper procedure by mailing formal disputes with evidence and requesting verification or removal of the inaccurate accounts. The actions taken ( or lack thereof ) do not reflect a reasonable or timely reinvestigation as required by law.

I am requesting the CFPB review this matter and ensure the credit reporting agencies comply with FCRA requirements, including : Conducting a lawful, timely reinvestigation Responding directly to my written disputes Removing or correcting any unverifiable or inaccurate information Explaining how items were verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-23 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Im submitting this complaint after Wells Fargo denied my dispute for a fraudulent charge of approximately XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. While at the beach during a trip, I purchased a drink from a vendor who showed me a price of XXXX XXXX XXXX XXXX XXXX XXXX XXXX on a tap-to-pay device. I tapped my phone to pay, but when I immediately checked the transaction, I saw I had been charged XXXX XXXX  an amount I never agreed to. 

I confronted the vendor right away, and he told me to follow him down the beach to fix the mistake. I followed him, but he ended up taking off and running, clearly confirming that this was a scam. 

Although I initially reported the incident as a stolen phone due to panic and confusion while traveling, I want to clarify that I was misled and overcharged by a vendor this was a clear case of merchant fraud. Despite this, Wells Fargo denied my claim with little explanation, and I dont believe a proper investigation was conducted. 

Ive been a customer for XXXX years with no history of fraud and expected better protection. I am still seeking full repayment of this unauthorized charge and would like answers to the following : Why was my claim denied, and what investigation was actually performed? 
Why wasnt the burden of proof on the merchant to show I authorized the transaction? 
How does Wells Fargo protect customers from evolving fraud tactics in XXXX 
Why are tap-to-pay transactions treated as indisputable when they are frequently used in scams? 

Ive never had to file a dispute before, and this experience has made me feel completely unprotected. The XXXX time I truly needed help, I was dismissed. Because of this, I no longer feel comfortable banking with Wells Fargo and plan to close my account. 

Im asking the CFPB to help ensure I receive a fair review and full reimbursement. Losing nearly XXXX to a scam especially in such a vulnerable situation has been financially and emotionally stressful. I expected my bank to have my back. They didnt.

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 2025-06-23 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Description of the Issue : This complaint is against Equifax for its continued and unlawful reporting of a {$16000.00} repossession account from XXXX XXXX XXXX ( Acct : XXXX ), despite multiple formal disputes, legal violations, and a recent CFPB complaint ( Ref : XXXX ) that has been mishandled. 

Equifax claims the account was verified with the furnisher, but no documentation has ever been provided no proof of deficiency, no transfer notice, no sale breakdown, and no TILA/UCC compliance from XXXX XXXX XXXX XXXX 

Legal Violations by Equifax : FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) : Reporting information with reckless disregard for accuracy FCRA 1681s-2 ( b ) : Failure to delete unverified and incomplete tradeline information FCRA 1681n : Willful noncompliance subjecting Equifax to civil liability XXXX XXXX Reporting Standards : Failure to enforce correct charge-off and transfer handling per industry guidelines Timeline of Noncompliance : XXXX XXXX : XXXX account transferred/sold but still reports a charge-off balance with no legal documentation XXXX : I disputed the account multiple times ; Equifax failed to delete or verify with supporting XXXX XX/XX/year> : CFPB complaint filed. Equifax responded on XX/XX/year> with a vague claim of update but provided no documentation, violating its duties under FCRA 611 Equifaxs verification is a fraudulent process, rubber-stamping creditor responses without requiring proof. They are knowingly reporting false and misleading account data that damages my credit profile and violates federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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