vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I have disputed multiple inaccurate, incomplete, and unverifiable accounts with Experian. These accounts include medical collections, a charge-off, and an account sold to a debt buyerall of which were either not validated, are internally inconsistent, or violate consumer protection statutes.

Despite providing documentation, requesting reinvestigations, and waiting the required 30 days, Experian failed to properly investigate or delete the following items : 1. * * XXXX XXXX * * A medical collection with no documented validation or permissible purpose. Potential HIPAA and FCRA 1681b ( g ) violation.

2. * * XXXX XXXX XXXX * * Medical collection lacking documentation. Reporting violates FCRA 1681e ( b ) and 1681i ( a ) ( 5 ).

3. * * XXXX XXXX XXXX XXXX * * A disputed debt buyer account that has never been validated or linked to a signed agreement. Still remains on file in violation of FCRA 1681s-2 ( b ).

4. * * XXXX XXXX XXXX XXXX XXXX * * An account marked as " Paid/Closed '' but includes contradictory late payment data. Experian refuses to reconcile this inconsistency, which violates FCRA 1681e ( b ). 
5. * * XXXX XXXX XXXX * * Reported as charged off and paid in full, while also sold. The conflicting remarks constitute an inaccuracy under 1681e ( b ). 

I submitted a formal dispute package on XX/XX/year>2025, including : - Cover letter - Five legally compliant dispute letters- Copy of my Texas driver license - Current lease agreement ( proof of address ) I demand the CFPB investigate this matter and require Experian to : - Provide full documentation ( contracts, billing history, chain of title ), or - Permanently delete these unverifiable and inaccurate accounts from my report.

Failure to address these concerns within the required time constitutes willful noncompliance under the FCRA and may result in further legal escalation.

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 2025-06-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I had a XXXX XXXX  from XXXX University, but I was XXXX  and never attended classes. I filed a borrower defense application, but it was unfairly denied. Now Nelnet says they can't move that loan into SAVE forbearance because it still has a borrower defense label attached. I've contacted both Nelnet and the Department of Education, but they keep transferring me and taking no action. Meanwhile, the loan is accruing interest. This is unfair and needs immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
I

am con cerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 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 non-monetary relief
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
I

am con cerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 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 explanation
Consumer complaint received 2025-06-19 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: DC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 2025-06-18 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NJ

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 explanation
Consumer complaint received 2025-06-18 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:
After reviewing my Equifax Credit report i see errors on there I tried to get removed numerous times. Accounts Below : XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  This communication serves as a demand under the Fair Credit Reporting Act ( 15 U.S. Code 1681i and 1681s-2 ) for the immediate permanent deletion of this account from all consumer reporting agencies. Be advised that I am not requesting a goodwill adjustment this is a formal legal dispute. 

XXXX XXXX Account # : XXXX This letter serves as a formal dispute regarding inaccurate late payment information appearing on my credit file maintained by Equifax. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, I am requesting an immediate reinvestigation and either correction or removal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il, XXXX XXXX Date : XX/XX/2025 To : [ Experian / XXXX XXXX XXXX XXXX  Subject : Request for Deletion of Inaccurate Personal Information from Credit Report FCRA 1681i Dispute of Inaccurate Information Dear [ Experian XXXX XXXX XXXX XXXX  ] : I am writing to formally dispute and request the deletion of inaccurate personal information currently listed in my credit file. This incorrect data is not associated with me and must be removed to ensure the accuracy of my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Inaccurate Information to be Deleted : Wrong Name : XXXX XXXX XXXX  Wrong AddressXXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX Incorrect Social Security Digits : " XXXX Incorrect Employer : XXXX XXXX XXXX XXXX XXXX XXXXXXXX This personal information does not belong to me and appears to have been mixed with another individual 's file or entered incorrectly by a data 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 2025-06-18 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-06-18 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: MA

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
I am not responsible for the accounts listed, as I had no role in their creation. These accounts are fraudulent and should be removed immediately under 15 U.S. Code 1681g. Please act within 15 days. Supporting documents are provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I am filing this complaint to dispute a hard inquiry that is currently reporting on my Equifax credit report from an entity identified as XXXX, dated XX/XX/year>. I did not authorize or initiate any credit application or financial transaction with this company on or around that date. I have no knowledge of this organization, no active relationship with them, and I did not provide consent for them to access my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), Equifax is prohibited from furnishing a consumer report to any party unless there is a certified permissible purpose under 15 U.S.C. 1681b. In addition, Equifax is required under 15 U.S.C. 1681e ( a ) to establish and follow reasonable procedures to ensure that consumer reports are only furnished to those with a legitimate and lawful reason. The appearance of this inquiryabsent any credit transaction, application, or consentstrongly suggests that Equifax either failed to properly vet the requesting partys credentials or allowed access to my report without verifying that consumer authorization was provided.

This inquiry has negatively impacted my credit profile and may misrepresent my credit-seeking behavior to future lenders or creditors. As you are aware, hard inquiries have a direct influence on credit scores and creditworthiness assessments, and the presence of an inquiry I did not authorize puts me at risk of unfair treatment in financial decisions and violates my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: Summit A*R, Inc.
State: TN

Complaint narrative:
RE : Formal Dispute Under FCRA 611 / 623 / Metro 2 Compliance To Whom It May Concern : This letter is a formal request for an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. I have reviewed my credit report and identified numerous entries that are inaccurate, incomplete, or unverifiable, which constitutes violations under FCRA Sections 602, 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ).

Below are the disputed account with supporting legal reasons for each. I request immediate deletion or full investigation based on the data furnishers inability to maintain factual accuracy. 
SUMMIT A * R ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/year> Balance : {$290.00} This appears as a rental-related collection, yet no itemized billing or final notice was sent. Inaccurate debt age and status violate FCRA 607 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On Thursday, XX/XX/year>, at approximately XXXX XXXX EST, I received a text message from the number XXXX claiming to be from Wells Fargo Security. The message asked whether I had attempted a wire transfer for {$8700.00} and instructed me to reply YES if I authorized the transaction or NO if I did not. I replied NO.

Shortly afterward, I received a phone call that appeared to be from Wells Fargo. The caller identified themselves as a Wells Fargo banker and said they needed to verify whether I had authorized a wire transfer to an individual in Texas ( name not recalled ). They stated that a device had been added to my XXXX XXXX account, which allegedly enabled someone to access my Wells Fargo account. 

Throughout the call, the scammer placed me on multiple holds and assured me that the breach was being handled. They directed me to remain on the line and guided me through a process to transfer funds onto my XXXX XXXX card. They claimed this was a necessary step before opening new, secure accounts in my name, to which the funds would be returned. 

The caller asked if I had received any suspicious emails, calls, or texts, and instructed me to change my Wells Fargo password, which I did. They told me to wait XXXX minutes for the funds to reappear. I then attended a scheduled work call and therapy session. After approximately one hour, I logged back into my Wells Fargo account, saw that the funds were still missing, and contacted my husband, who immediately reached out to the bank.

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 2025-06-18 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: PA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Im unaware of this debt and didnt have the opportunity to dispute this account. If you feel you sent proper notification, please provide Certified Mail with my signature. If not, please delete my account as soon as possible from my report. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation