vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
On XX/XX/XXXX I filed a borrower defense case pursuant to XXXX XXXX XXXX aka ( Sweet V Cardona ) which made student loans for University XXXX XXXX XXXX for discharge. As part of the agreement in this case the Department of Education has 36 months from the date they are deemed " materially complete '' to evaluate applications after which time they become " unenforceable '' and are subject to immediate discharge. 

As such I filed my case on XX/XX/XXXX and received case number XXXX. I waited patiently until XX/XX/XXXX and called to check the status. I was told that I would have to submit a feedback form online. I submitted a form and received case # XXXX. I was told at the time that my case was considered " materially complete '' on XX/XX/XXXX and that I would have to wait until then to check on my case. 

I called XXXX on XX/XX/XXXX and was told there was nothing they could do and that I would just have to wait ; however, the settlement is very clear that loans are to be automatically discharged after XXXX XXXX 

I would like for my loans to be discharged immediately and I would like to be reimbursed for all payments made between XX/XX/XXXX to present. I can be reached via email to XXXX or by phone at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-18 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: MO

Complaint narrative:
I recently reviewed my credit report and notice that there was a fraudulent account and inquiries reporting. These items are the results of identity theft and fraud. The fraudulent account is an auto loan opened on XX/XX/year> with the amount of {$32000.00} ( XXXX XXXX ). This fraudulent account is a student load opened on XXXX XXXX with the amount of {$2500.00} ( XXXX XXXX ) I need these fraudulent items removed from my XXXX 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 2025-11-18 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: MO

Complaint narrative:
I recently reviewed my credit report and notice that there was a fraudulent account and inquiries reporting. These items are the results of identity theft and fraud. The fraudulent account is an auto loan opened on XX/XX/year> with the amount of {$32000.00} ( XXXX XXXX ). This fraudulent account is a student load opened on XXXX XXXX with the amount of {$2500.00} ( XXXX XXXX ) I need these fraudulent items removed from my XXXX credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Unauthorized control of accounts without subpoena or notice Illegal release of funds and halting of trading activity Denial of access to credit/financial services ( de-banking ) Potential violations of XXXX rules XXXX Regulation P, and federal due process laws Requested Actions : XXXX. Immediate acknowledgment of receipt. 
XXXX. Investigation by your Compliance Department or XXXX Escalation Office. 
XXXX. Written response within XXXX hours outlining findings, rationale, and corrective measures. 
XXXX. Confirmation that all future actions will comply with federal law, internal policies, and regulatory obligations.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Radius global is sending me statements with inaccurate dates from XXXX XXXX XXXX. When I called XXXX XXXX XXXX, they say that I am in good standing and that I do not owe them any balance. Radius global is unable to provide any statement except they show date opened XX/XX/year> and XX/XX/year> per XXXX XXXX XXXX  I have not opened any new accounts on XX/XX/year> or XX/XX/year>. This is inaccurate. I am in good standing with XXXX XXXX XXXX. The account number they are sending with the statements do not exist and are not associated with my name.

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 2025-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the accounts referenced above. I did not authorize or open them and have no relationship with them. I ask that they be promptly investigated and removed. Supporting materials 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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I come home to a check in the amount of {$710.00}. I dont have a bank so I regularly use cash app. In the cash app app they have a feature where it says deposit check so I sign the back of my check then go to deposit. Seconds later it rejected. I thought no big deal Id try again tomorrow. Fast forward today on XX/XX/XXXX I try and retake the pictures of my check to complete a mobile deposit. It gets rejected, I try a second time, rejected again. I contact support about my issues through their chat service provided through the app. I asked for why my check cant be deposited their live advocate emphasized it didnt meet the policy requirements to cash my check. The Advocate then sends me a list of what they dont accept. Among the unaccepted check forms were loans, legal copies, Joint checks etc. I replied saying that my check is none of those. Its a regular paycheck. The advocate then tells me its specific to this check only. So I follow up with a call to customer support. And it turns out its very much the same. I asked about my check they claim it didnt meet any eligibility requirements in their check cashing policy. I asked for specifics because my check is a regular worked for paycheck. The customer service rep didnt give me a single answer as to why it violated their policy. As I kept asking why and for specifics she just kept saying she cant give me any more information about my check at this time. So in other words there was no reason they couldnt cash my check other than they just cant cash it. No reason at all and had me sign the back of my check so now so far its been impossible to cash this thing anywhere because I trusted cashapp and put my signature on my hard earned check. This is their second offense towards me the first involved me loosing XXXX around XXXX XXXX and it was another scenario where cashapp showed me to be useless when you have money issues

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX XXXX XXXXXXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Pulled out a small loan to consolidate credit cards as I was told it would be a better option then found out that net credit charges more than 10 % of the total loan in addition to the principal and other fees that are hidden. Paying over {$300.00} a month for a loan that wasnt supposed to cost that much and crippling in debt while trying to consolidate before my baby comes in XXXX have called them and they have given me no information and are not willing to negotiate my credit union suggested I reach out to you all as net. Credit is not supposed to work in XXXX, as it is a predatory lender, which I did not know about at the time when I was seeking financial help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I have no claim to these accounts ; they must be deleted within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: TX

Complaint narrative:
My U.S. Bank credit card has been blocked due to a suspected fraud alert. I have called multiple times today XX/XX/year> using the number on the back of the card and the fraud line ( XXXX ). Each time I am transferred to the Fraud/Cardmember Service department and placed on hold for XXXX minutes before having to hang up because I can not wait that long. This has happened 5 times. I am unable to use my card for everyday expenses and payments. I need the block removed immediately after verifying my recent transactions. This level of customer service inaccessibility is unacceptable and has caused me significant hardship. Please escalate to U.S. Bank executive resolution and require them to contact me directly to resolve this.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Entrata Inc.
State: MD

Complaint narrative:
I am currently facing denials on apartment applications because sealed civil cases continue to appear on tenant screening reports, despite the courts ordering them to be restricted from public access. This inaccurate reporting was formally disputed with ResidentVerify, a consumer reporting agency, which determined the information to be accurate without conducting a reasonable or proper investigation required under the Fair Credit Reporting Act ( FCRA ). Furthermore, the inclusion of these records, particularly any stays on evictions, directly violates recently enacted Maryland landlord-tenant laws ( effective XX/XX/year> ) which mandate that eviction proceedings are sealed and excluded from public screening unless they resulted in a final, executed eviction against the tenant. 
Despite having my civil cases legally sealed, these records are still appearing on screenings when I apply for an apartment, leading to unfair application denials. Critically, none of the civil records referenced resulted in an actual eviction ; in each instance, the property was paid prior to the eviction being scheduled, which effectively canceled the warrant for restitution. I formally disputed this inaccurate information with ResidentVerify, the consumer reporting agency, only to have the dispute determined accurate without a proper investigation, violating the mandates of the Fair Credit Reporting Act ( FCRA ). This continued reporting is particularly egregious as, under XXXX  XXXX-tenant laws ( effective XX/XX/year> ), any records concerning a case that did not result in a final, executed eviction are specifically prohibited from being included on tenant screenings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: ID

Complaint narrative:
I am disputing false credit reporting by Aidvantage, a federal student loan servicer acting on behalf of the U.S. Department of Education. 

On my official StudentAid.gov account, my federal loans serviced by Aidvantage show a Next payment on XX/XX/XXXX status. In other words, the Department of Educations own records show that no payments are currently due and my loans are not in active repayment.

Despite this, Aidvantage has reported my student loan as 120 days late to one or more consumer reporting agencies ( credit bureaus ). I received a credit alert and confirmed on my credit reports that Aidvantage is furnishing a 120-day delinquency. 

This is inaccurate and misleading information in violation of : FCRA 623 ( a ) ( 1 ) ( A ) furnishing information that the furnisher knows or has reasonable cause to believe is inaccurate ; FCRA 623 ( a ) ( 2 ) duty to correct and update information ; and Regulation V 1022.42 ( a ) requirement to maintain reasonable policies and procedures to ensure the accuracy of information furnished.

Because the Department of Educations system ( StudentAid.gov ) clearly shows that no payment is due until XX/XX/XXXX, my account can not legally be reported as 120 days delinquent. This appears to be a serious servicing and data-furnishing failure. 

I have not been making payments because the controlling federal record ( StudentAid.gov ) shows that no payment is due until XXXX. I relied on that official information, and now Aidvantage is harming my credit with false derogatory reporting that conflicts with the Department of Educations own data. 

I have saved screenshots from StudentAid.gov showing the Next payment on XX/XX/XXXX and the servicer as DEPT OF ED / AIDVANTAGE. I also have copies of my credit reports showing a 120-day late status reported by Aidvantage.

What I am asking the CFPB to do : Require Aidvantage to immediately delete all derogatory reporting ( including the 120-day late mark ) from all consumer reporting agencies ; Because the tradeline is currently being furnished in a false and unreliable manner, require Aidvantage to delete the Aidvantage tradeline entirely as unverifiable ; and Investigate Aidvantages systemic procedures for syncing data with the Department of Educations central database, and ensure this does not continue to happen to other federal student loan borrowers.

I request a written explanation from Aidvantage and confirmation to me and to the credit bureaus that my account is not delinquent, that no payment is due until XX/XX/XXXX according to DOEs own records, and that the inaccurate derogatory information has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
Dear CFPB, FIRST FINANCIAL RESOURCE, acct # XXXX over the weekend I was going through my XXXX  Credit report and noticed that there is a collection on my report that does not belong to be, it looks as if it is a medical bill, I've never had any relationship with the original creditor, I am formally disputing the accuracy and validity of the above-referenced account, which has been reported to credit bureaus and attributed to me. I have no verified relationship with your company or the alleged original creditor, nor was I properly notified of this debt. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account, including : The original signed agreement or contract A full itemized statement showing the balance calculation Chain of title and assignment documents proving ownership Proof of any payments or delinquencies The initial validation notice and any default or collection notices Confirmation that the debt is within the statute of limitations Documentation authorizing credit reporting To date, I have received no lawful validation. Generic responses do not meet the statutory requirements for debt verification. Therefore, this account remains unverified and legally unenforceable. Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ), 1681s-2 ( b ) and FDCPA 1692g ( b ). Courts such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  affirm that unverifiable or misleading data can not remain on a consumers credit file. I demand : Immediate deletion of this tradeline from XXXX XXXX and XXXX. Written confirmation that this account is closed and withdrawn. Cease all collection and reporting activity under FDCPA 805 ( c ), except to confirm compliance in writing. Failure to comply will result in formal complaints to the CFPB, FTC, and State Attorney General, and I will pursue legal remedies under FCRA 1681n and FDCPA 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
on XX/XX/year> a representative from XXXX XXXX XXXX contacted me at XXXX. She stated that CashNet USA was filing a complaint against my name and social. That XXXX is claiming theft, that I had no intentions of paying back my loan in the amount of roughly {$2400.00}. I was told that XXXX XXXX XXXX was going to contact my employer. 

I called back at XXXX to see if we could work something out. I was told that if I could not make a payment this month that there was nothing they could do to prevent things from moving forward. That legal action was being taken. 
I stated my confusion on all this, as I have not received any written communications or prior phone calls until today. The representative evaded my questions and was hostile.

Company response to consumer: Closed with explanation