vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: CO

Complaint narrative:
I was in a pension.I needed money to help fix my car a company called max lenders said that they would loan me {$650.00} and charge me {$94.00} for the first payment. And then a XXXX for 9 months, they did not disclose the 9 months in the promotional material as well as the agent who I talked to, did not disclose that I would be paying a {$160.00} for 9 months, which turns outurns out to be over {$2400.00}. If I were to pay it all back. I would appreciate if this company would be looked into and forced to shut down. I think they can get away with it or they think they can get away with it because they say on their website that it is on tribal land and so I think that they. Think that they are untouchable again.I would like this to be shut down.And I would like my money back.And I would like to be advised if I should put a stop payment on my bank account until this is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: VA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-11-13 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:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report 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 2025-11-13 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NH

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-13 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: NH

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the late payments reporting on my XXXX XXXX account. These late payments are inaccurate and not being reported consistently across the three credit bureaus ( see attached ). The bureaus are reporting different dates of activity and different delinquency codes, which violates FCRA 607 ( b ) and Metro 2 accuracy standards. 
It has been more than 60 days, and I have NOT received any verification from XXXX or from any of the credit bureaus. Instead, I have received : A copy of my credit report ( not verification ) Generic verified messages Third-party stall letters No documentation at all proving when Ally actually received my payments This account does not show as consumer disputes this account, even though I have been disputing these items due to their inaccuracy.Under : FCRA 611 ( a ) ( 1 ) the bureaus must perform a reasonable investigation FCRA 611 ( a ) ( 5 ) unverifiable data must be deleted FCRA 607 ( b ) all info must be accurate and consistent across all bureaus XXXX XXXX late payment coding must match EXACTLY across bureaus Hearsay rule ( FCRA reporting standards ) bureaus can not guess late payments ; they must be supported by the furnishers bank-posted records Ally has provided zero documentation, so these late payments can not be verified. 
Late payment verification requires : Bank statements showing when the payment was posted Full payment ledger Actual proof of receipt NOT a credit report copy, NOT a stall letter, and NOT a meets FCRA requirements comment. 
Anything less is hearsay and violates federal reporting standards.

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 2025-11-13 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: TX

Complaint narrative:
I am disputing the late payments reporting on my XXXX XXXX account. These late payments are inaccurate and not being reported consistently across the three credit bureaus ( see attached ). The bureaus are reporting different dates of activity and different delinquency codes, which violates FCRA 607 ( b ) and Metro 2 accuracy standards. 
It has been more than 60 days, and I have NOT received any verification from XXXX or from any of the credit bureaus. Instead, I have received : A copy of my credit report ( not verification ) Generic verified messages Third-party stall letters No documentation at all proving when Ally actually received my payments This account does not show as consumer disputes this account, even though I have been disputing these items due to their inaccuracy.Under : FCRA 611 ( a ) ( 1 ) the bureaus must perform a reasonable investigation FCRA 611 ( a ) ( 5 ) unverifiable data must be deleted FCRA 607 ( b ) all info must be accurate and consistent across all bureaus XXXX XXXX late payment coding must match EXACTLY across bureaus Hearsay rule ( FCRA reporting standards ) bureaus can not guess late payments ; they must be supported by the furnishers bank-posted records Ally has provided zero documentation, so these late payments can not be verified. 
Late payment verification requires : Bank statements showing when the payment was posted Full payment ledger Actual proof of receipt NOT a credit report copy, NOT a stall letter, and NOT a meets FCRA requirements comment. 
Anything less is hearsay and violates federal reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
An account i never opened is showing on my credit report. I tried to fix this issue with the company but was not successful. Below is the account details : XXXX. XXXX XXXX XXXX {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
An account i never opened is showing on my credit report. I tried to fix this issue with the company but was not successful. Below is the account details : XXXX. XXXX XXXX XXXX {$420.00}

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 2025-11-13 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: DE

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/2025, XX/XX/2025 im now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt

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 2025-11-13 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: DE

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/2025, XX/XX/2025 im now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
My federal student loans were forgiven under XXXX on XX/XX/year>. Aidvantage has not updated the {$0.00} balance to any credit bureau, and they are not answering the phone. I submitted to the XXXX  XXXX XXXXs Feedback Center but the issue was not addressed. I am requesting intervention to remove or correct the inaccurate tradeline

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: OH

Complaint narrative:
I reviewed my credit reports and found several unauthorized and unrecognized hard inquiries that were never approved or connected to any active accounts. These inquiries are still being reported, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 data reporting standards.

Under FCRA 604 ( a ), a credit inquiry can only be placed when the consumer has given written authorization or there is a valid permissible purpose. These companies have not provided any such proof. Continuing to report these inquiries without verification violates FCRA 607 ( b ), which requires credit bureaus to maintain the maximum possible accuracy of all information reported.

Additionally, keeping these inquiries on my file after being disputed violates FCRA 611 ( a ) ( 1 ) ( A ), which requires a complete reinvestigation of disputed items, and FDCPA 807 ( 8 ), which prohibits furnishing false or mislea
ding credit information. The fact that these inquiries remain shows noncompliance with both federal law and Metro 2 reporting requirements, which require full validation and field accuracy for all data reported to consumer files.

I previously submitted disputes demanding that these unauthorized inquiries be deleted, yet they remain on my report. This continued reporting is unlawful and damaging to my credit profile. I am requesting a full investigation, permanent deletion and blocking of all unauthorized and unverifiable inquiries, and written confirmation that my credit reports have been corrected across all three bureaus.

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 2025-11-13 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: TX

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-13 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: TX

Complaint narrative:
I am filing this complaint because [ Experian / XXXX  / XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in Sessa v. TransUnion, LLC ( 2023 ), the court held inaccuracies must be corrected whether factual or legal ; in Kirtz ( 2024 ), the Supreme Court reaffirmed broad FCRA liability ; and in Norman v. TransUnion ( 2023 ), TransUnion paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-13 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:
Hi, please help me. I have never used my personal credit and after reviewing it with my son and financial advisor, I found some accounts that i did not open. I also found out I'm a victim of the Equifax data breach so I reached out to a consumer law attorney and was informed that these credit agencies are in violation of several consumer laws by reporting this false information. Please delete these accounts from my credit immediately. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX  XXXX, XXXX XXXX ( XXXX ), XXXX XXXX. Please provide the contracts for these companies.

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 2025-11-13 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:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: MO

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 2025-11-13 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: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: UT

Complaint narrative:
Ive been with this company for four years, regular transactions for all those years. I have never submitted a dispute or a claim, and they denied my claim saying that they cant prove I didnt approve these charges, even though I also reached out to the merchant claiming they were fraudulent charges, and I showed them proof of that. Im going to end up getting evicted from my home if I do not get this money backI would never approve that much money to be spent online. These are fraudulent charges, not authorized by me or approved by me. My card information was stolen and I feel like they close the case just to get me out of their hair. They didnt even want to investigate it. Its unfair.

Company response to consumer: Closed with explanation