vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: NJ

Complaint narrative:
This complaint is intentional and requires immediate attention. My credit report contains inaccurate information that does not meet the Fair Credit Reporting Acts maximum possible accuracy standard. These errors are causing significant, ongoing harm and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: MN

Complaint narrative:
The vehicle was in operable for due to several tranny failures. The ender approved auto repair shop tried to order the parts several times. Finally a second lender approved repair shop deemed the vehicle unrepairable. The vehicle was left at the repair shop awaiting retrieval. Lender was notified and a refund for all monthly payments and down payment was issued. The financing department agreed to an amical separation, termination of the contract. Years later they have failed to correct documentation and reporting errors. Adverse effect to credit decisions due to the errors and incorrect bureau reporting.

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 2025-08-29 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:
I entered into an auto lease agreement with XXXX XXXX XXXX XXXX XXXX about XX/XX/XXXX with a XXXX term. 

The lease matured in XX/XX/XXXX, at which time no balance was owed. 

Despite this, XXXX have reported and continued to report an alleged balance of {$15000.00} with repeated delinquencies after the account should have been closed. 

I the consumer have disputed this information with Experian, XXXX, and XXXX for a number of times. 

The CRAs failed to conduct a reasonable reinvestigation, and XXXX XXXX XXXX XXXX provide validation or correct the information. 

XXXX have re-aged the account, improperly marking it as open beyond its lease term. 

These false reports have and continued to damaged my creditworthiness, caused stress, and interfered with financial opportunities. The CFPB has also failed to enforce the CRA 's comply with FCRA consumer laws and all involved have violated my rights for a long period.

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 2025-08-29 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: GA

Complaint narrative:
I entered into an auto lease agreement with XXXX XXXX XXXX XXXX XXXX about XX/XX/XXXX with a XXXX term. 

The lease matured in XX/XX/XXXX, at which time no balance was owed. 

Despite this, XXXX have reported and continued to report an alleged balance of {$15000.00} with repeated delinquencies after the account should have been closed. 

I the consumer have disputed this information with XXXX, Equifax, and XXXX  for a number of times. 

The CRAs failed to conduct a reasonable reinvestigation, and XXXX XXXX failed to provide validation or correct the information. 

XXXX have re-aged the account, improperly marking it as open beyond its lease term. 

These false reports have and continued to damaged my creditworthiness, caused stress, and interfered with financial opportunities. The CFPB has also failed to enforce the CRA 's comply with FCRA consumer laws and all involved have violated my rights for a long period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: EdFinancial Services
State: NV

Complaint narrative:
I am disputing inaccurate late payment reporting by XXXX XXXX. My payment, due on XX/XX/year>, was incorrectly reported as XXXX days late even though I did not receive the legally required XXXX advance notice. I contacted the creditor and filed disputes with the credit bureaus, but the account is still showing late instead of current. 

PLEASE SEE ATTACHMENTS BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
PLEASE REMOVE THEF FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX PLEASE REMOVE THEF FOLLOWING FRAUDULENT CREDIT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute inaccuracies in my personal information currently appearing on my credit report. These errors are creating unnecessary difficulties with my credit applications and are causing significant frustration. 

Please review the supporting documents I have provided and take the necessary steps to delete all inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NC

Complaint narrative:
I am disputing continued reporting of an XXXX XXXX XXXX account related to an XXXX XXXX auto loan. XXXX own written response to my prior CFPB complaint states : Date of First Delinquency ( XXXX  ) : XX/XX/XXXX XXXX purchased the account : XX/XX/XXXX On XX/XX/XXXX, XXXX submitted XXXX  requesting deletion of their tradeline with all CRAs ( they provided XXXX  ref. XXXX XXXX XXXX and XXXX ). 

Despite the furnishers deletion request, your bureau still shows the XXXX tradeline. This is inaccurate under FCRA 623 ( a ) ( 1 ) ( A ) and must be corrected under FCRA 611 ( a ). Please : XXXX the XXXX tradeline immediately and cease any future reporting of it, XXXX me written confirmation and an updated copy of my credit file, and XXXX the original XXXX  of XX/XX/XXXX for any related original-creditor tradeline to prevent re-aging. 

attached : ( a ) XXXX  CFPB response confirming the deletion order and XXXX  numbers, and ( b ) my current credit report pages showing the account still appears. 
Continued reporting after a furnishers deletion order is a willful failure to maintain accurate files under FCRA 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 2025-08-29 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:
I am filing a complaint to dispute the reporting of the XXXX account ( Acct. XXXXXXXX XXXX XXXX XXXX showing a balance of {$6900.00}, along with several unauthorized inquiries appearing on my credit report, including XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). These accounts and inquiries are the result of identity theft and were not authorized by meXXXX XXXX account is inaccurate and misleading, as it reflects a debt I never incurred. Reporting this account violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain the maximum possible accuracy in the information they report.The unauthorized inquiries listed above were made without my knowledge or consent, which violates FCRA 604 ( a ) because consumer reports may only be accessed for specific permissible purposes. The fact that these inquiries were obtained without authorization also raises concerns under FCRA 619, which prohibits accessing a consumer report under false pretenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: IL

Complaint narrative:
I am filing a complaint to dispute the reporting of the XXXX account ( Acct. XXXXXXXX XXXX XXXX XXXX showing a balance of {$6900.00}, along with several unauthorized inquiries appearing on my credit report, including XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). These accounts and inquiries are the result of identity theft and were not authorized by meXXXX XXXX account is inaccurate and misleading, as it reflects a debt I never incurred. Reporting this account violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain the maximum possible accuracy in the information they report.The unauthorized inquiries listed above were made without my knowledge or consent, which violates FCRA 604 ( a ) because consumer reports may only be accessed for specific permissible purposes. The fact that these inquiries were obtained without authorization also raises concerns under FCRA 619, which prohibits accessing a consumer report under false pretenses.

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 2025-08-29 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I am filing this complaint against Transunion for their continued reporting of late payment accounts on my credit report which are XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including XXXX ( a ) [ 15 U.S.C. XXXX ( XXXX ) ] and XXXX XXXX XXXX ) [ 15 U.S.C. XXXX ( XXXX ) ]. 
I previously submitted a formal dispute regarding this inaccurate entry, yet Transunion failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. 
Transunion appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. 
Further, under FCRA XXXX ( b ), Transunion has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. 
I am also aware that In light of the XXXX CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require Transunion to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA XXXX and XXXX. 
I have attached my formal dispute letter dated XX/XX/XXXX2025, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance 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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
These people steal money and dont put money that you give them into your account. These people need to arrested immediately We have just found out from my church at that sent Wellsfargo XXXX dollars to help our mortgage that the check was indeed cashed by them but they never put it towards the mortgage or anything. So what they did was took the money and ran and now trying to start foreclosure. XXXX give these people a time or money. Theres a reason why they have XXXX star rating and every day I get news telling me they are being sued once again for miss handling peoples accounts especially mortgages! Shut these people down. 
Steeling money from a church you should be ashamed and shut down for stealing

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am formally requesting validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 809. Please provide documentation that verifies this debt, including but not limited to : The name and address of the original creditor. 

The original account number. 

The amount of the alleged debt, including a breakdown of fees, interest, and other charges. 

Proof that you are legally authorized to collect on this debt in my state. 

Copies of any judgments, contracts, or agreements that prove I am legally obligated to pay. 

Be advised that until proper validation is provided, you must cease all collection activity and reporting of this debt to credit bureaus, as continued reporting without validation violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

This request is not an acknowledgment of liability for the alleged debt. Please also note that all further communications must be in writing. 

I expect your full compliance with federal law and look forward to your prompt response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: IL

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section XXXXB, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX 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/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-08-29 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: TX

Complaint narrative:
A company by the name of Jefferson Capital System states that a debt is owed by me in the amount of {$1300.00}. I never heard of this company or have done business with this company. I am not liable for this debt that Jefferson Capital System claimed is owed by me. I have disputed this account with Experian multiple times and asked for verification of debt with wet signatures to solidify their reasoning to believe a debt is owed by me. Experian has been unable to provide me with the necessary documents that I have requested which leads me to believe they conducted a improper investigation.

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 2025-08-29 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: PA

Complaint narrative:
I am requesting the deletion of these unauthorized accounts from my credit report, as I did not authorize or know about their creation. In line with USC 1681g, I ask that they be removed within 15 days. Relevant documents are enclosed.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Business Processing Solutions, LLC
State: WA

Complaint narrative:
Received multiple phone calls from an entity named " Pioneer Credit '' Most recent phone call where message was left was on XX/XX/year>.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX CARD # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I am disputing a late payment inaccurately reported on my account. My records clearly show that all payments were made on time, and no delinquency occurred. The continued reporting of this false entry is unjust and damaging to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still showing up on my credit report today, and I have no idea why. Even after refreshing my browser, the errors remain. I need the documents Ive already sent to be reviewed immediately so I can stop worrying about this ongoing problem.

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 2025-08-29 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: FL

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still showing up on my credit report today, and I have no idea why. Even after refreshing my browser, the errors remain. I need the documents Ive already sent to be reviewed immediately so I can stop worrying about this ongoing problem.

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