vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EdFinancial Services
State: SC

Complaint narrative:
For years, starting on XX/XX/XXXX, I have been dealing with the incompetence and lack of accountability with Ed Financial Services. While I was actively in school, the service company was notified so that I would be in deferment. However, it was reported that i was considered delinquent on my credit report. Unfortunately, I had to be notified via my VA loan XXXX who stated that i was showing debt for {$12000.00}. Unbeknownst to me, I was caught off guard and embarrassed. I contacted a representative prior and was reassured that my paperwork had gone through. This conversation took place SEVERAL times ( about XXXX to be exact ). The email was sent several times because I was given excuses such as, The paperwork was cut off and the department wants it perfect or We apologize, it appears the prior representative didnt upload the information correctly. Needless to say, I had to pull out of my VA XXXX loan because my credit score dropped so low to the point that I was now considered a liability! I then contacted an attorney to help me remove the unethical and illegal delinquent remark off of my credit score. The response to that ; a voicemail stating they didnt report me, despite the fact that I had a credit report stating otherwise. I was told it would be removed, and it was for a little bit. XXXX years later, here we are today and they are doing the SAME THING! Im a veteran, 100 % P & T and applied for student loan forgiveness. That was in XX/XX/XXXX. I also received confirmation via Ed Financial Services chat box that my payments would be placed on HOLD/PAUSE for 120 days while my application is in review ; its been 20 days and TODAY my credit score was dropped an additional XXXX XXXX because I was reported late on payments that are supposed to be placed on pause! Since this whole scandal, my credit report has gone from the mid-high XXXX to XXXX! This has been emotionally distressing, embarrassing, incompetent, and downright hurtful to the point where its not harming my spouses and my APR rates and approvals!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This statement serves as formal notice that I, XXXX XXXX, am the victim of identity theft committed by my ex-wife, XXXX XXXX. I did not authorize, consent to, or give permission for her to open, use, or access any accounts or credit in my name. Any such activity was conducted without my knowledge or approval and is therefore fraudulent.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am exercising my right to request the immediate blocking and removal of all information on my credit report that resulted from this identity theft. Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTA ) and 15 U.S.C. 1681g ( e ), I have the right to receive copies of all information related to fraudulent accounts opened in my name.

I request that all fraudulent accounts and related negative items be investigated, verified, and permanently removed from my credit file in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am submitting this complaint regarding inaccurate and unlawful reporting practices related to the accounts listed in the attachments. These actions have violated my federally protected consumer rights under 15 U.S.C. 1681 and related provisions. I assert that no permissible purpose under 15 U.S.C. 1681b ( 2 ) has been established for the reporting or sharing of my private financial information. Under the FCRA, a permissible purpose must be established before any consumer report can be furnished. Additionally, pursuant to 15 U.S.C. 6802 ( a ), a financial institution may not, directly or indirectly, disclose nonpublic personal information to a non-affiliated third party without proper authorization. Further, under 6802 ( b ) ( 1 ) : ( A ) Clear and conspicuous written or electronic disclosure must first be provided to the consumer ; ( B ) The consumer must be given the opportunity to direct that such information not be disclosed ; and ( C ) The consumer must be given an explanation of how to exercise that nondisclosure option. No such disclosures or authorizations were provided to me. Under 15 U.S.C. 1681, Section 602 ( A ), I have the right to privacy. Furthermore, 604 ( a ) ( 2 ) states that a consumer reporting agency may not furnish a consumer report without my written instructions. The reporting of late payments also violates 15 U.S.C. 1681c ( a ) ( 5 ), which prohibits a consumer reporting agency from including adverse information in a report if it antedates the report by more than seven years. Additionally, under 15 U.S.C. 1666b ( a ), a creditor may not treat a payment on a credit card account as late for any purpose if it was received by the due date and within the grace period. Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ), no person may furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
I went to XXXX to pay my electric bill the money transfer was though western union. The electric company didnt receive the money so I called western union for a refund but they wont get me the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I am filing this complaint because Western Union has not addressed the central issue in my case, which is that all XXXX money orders were returned by XXXX Bank with the stamp Refer to XXXX. Western Union continues to state that the money orders were paid and no returns were received, but they have not investigated or confirmed whether the XXXX to XXXX return was processed in their system. 



Background : On XX/XX/year>, I purchased XXXX Western Union money orders at XXXX ( {$500.00} each ). 
I deposited them into my landlords XXXXXXXX XXXX account. 
On XX/XX/year>, XXXXXXXX XXXX returned the money orders stamped XXXX to XXXX. 
Western Union claims the money orders were paid to XXXX on XX/XX/XXXX and then rejected on XX/XX/XXXX because they were already paid. 
Evidence has been provided showing the physical return with XXXX to XXXX. 
Western Union has not addressed whether they received that return from XXXX. 

The serial numbers of the money orders are : XXXX XXXX XXXX XXXX The agent number where the money orders were purchased is XXXX ( XXXX store in XXXX XXXX, FL ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: VA

Complaint narrative:
Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I am disputing inaccurate or unverifiable late payment accounts on my credit report. In accordance with FCRA 1666 and FCBA 1666a, I request a full reinvestigation and correction of any billing or reporting errors, as these accounts negatively affect my credit and may violate my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-31 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: GA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-31 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-10-31 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: WY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Account : XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$1500.00}

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 explanation
Consumer complaint received 2025-10-31 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX XXXX XXXX XXXX TransUnion Consumer Solutions on my XXXX ) -Mortgage account XXXX ) XXXX for the date XXXX ) XXXX. This reporting is incorrect and has negatively impacted my credit score. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. 
Additionally, case law such as 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 confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I am reaching out to file a complaint and request assistance regarding a wage garnishment that I recently discovered. I was never properly served or notified about the court case that led to this garnishment, and therefore was unaware of the judgment or my right to respond before it was enforced. Because I was not properly served, I did not have the opportunity to appear in court, dispute the debt, or arrange payment options prior to the garnishment being put in place. 



I would appreciate your guidance on how to proceed in disputing this garnishment or seeking a review of the courts decision based on improper service. As soon as I received the garnishment notice I reached out to the law firm to let them know I never received any documentation. They responded immediately saying I could pay the entire amount owed to avoid the garnishment, without giving me anything in writing. I asked about some type of extension since I still dont have the info, and did not get any response. As garnishment paperwork was already sent to my employer, I would like a response as quickly as possible. I have attached the documents I received on the day they are saying I was served, which do not pertain to me at all and have someone elses personal information. I have also attached the garnishment letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-10-31 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681, Section 602, I have the right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written authorization. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

This submission adds supporting documentation for my previous complaint [ CFPB Complaint ID XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX, regarding inaccurate late payments reported on my federal student loans and credit card. The documentation demonstrates my accounts were XXXX ( Paid As Agreed, Never Late ) and supports removal or correction of these inaccurate entries. 

The reporting of multiple late payments on my federal student loans by Experian is not reflected in TransUnion reports, demonstrating a discrepancy that raises serious questions about the accuracy and verifiability of this information under 15 USC 1681i ( a ). The credit bureau must be able to verify all reported information with the original source. 

I request Experian to provide verifiable documentation confirming the XXXX, XXXX, and XXXX delinquencies reported on my Dept of EdXXXX accounts in XXXX, XXXX, and XX/XX/XXXX. If Experian can not provide this verification, these items must be permanently removed from my credit report under 15 USC 1681i ( a ) ( 5 ). 

I also dispute the reporting of a XXXX late payment in XX/XX/XXXX on my XXXX XXXX credit card account, which is now closed. According to my records, all payments were made on time and the account should reflect XXXX ( Paid As Agreed, Never Late ) status. Reporting this closed account as late constitutes inaccurate information in violation of 15 USC 1681e ( b ), which requires maximum accuracy of credit reporting. I request that this inaccurate late payment be investigated, corrected, or removed and that written confirmation of the corrected status be provided to me.

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