vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because my credit report contains information that I believe is inaccurate and unverifiable. I previously submitted a dispute to [ Experian / TransUnion / Equifax ] about the following account : The credit bureau responded that the account was " verified, '' but they did not explain how it was verified or provide any proof. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) help me get answers to the following : 1. Who was contacted to verify the account?

2. What company or data furnisher provided the verification?

3. What documents were used to confirm the information?

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and reasonable investigation, and I believe the bureau has not fully met that obligation.

I have included copies of my ID, proof of address, and previous dispute communications to support this complaint. I am requesting a full investigation, and I would like this account removed if it can not be properly verified with evidence.

Thank you for your assistance.

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 2025-07-31 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: NC

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of this account is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these account, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the account that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank repossessed my vehicle without providing proof that I received the required repossession notice under state law and the Uniform Commercial Code ( UCC ). 

TD Bank claims that they sent the repossession notice by regular mail, with no tracking or signature required. However, when notifying me about the sale of my vehicle, TD Bank sent that notice via certified mail requiring my signature. 

This inconsistent practice is unfair and deceptive. If TD Bank was able to use certified mail for the sale notice, it should have used the same method for the repossession notice, which is even more critical to protect my rights. 

By failing to ensure that I actually received the repossession notice, TD Bank denied me the opportunity to redeem my vehicle or otherwise protect my interests before the sale. This conduct may violate state repossession laws and UCC requirements for commercially reasonable notice. 

I have also filed a complaint with the United States Attorney Generals Office, Report Number XXXX, dated XX/XX/year>, regarding this matter. 

I am requesting that TD Bank provide documented proof that I received the repossession notice and that the CFPB investigate whether TD Banks notice practices constitute unfair, deceptive, or unlawful conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

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 standings. I am requesting immediate correction action to remove and amend the disputed accounts as Experian and actions violates federal law and my rights as a consumer.

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 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
Cash app closed out my account a little over a year ago and has never opened it back up since and its stated the reasoning behind the account being closed is suspected fraud is there away that I can please get back into my account please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: SC

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX  ] [ XXXX, Sc XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/year> ] Debt XXXX Name [ Source Receivables XXXX  ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, NC XXXX ] Re : Request for Debt Validation Account To Whom It May Concern, I am writing in response to your [ letter/call ] dated [ insert date ] regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt.

Please provide the following information : 1. The name of the original creditor and the account number.

2. The amount of the alleged debt, including a breakdown of interest, fees, payments, and principal.

3. A copy of the original signed contract or agreement that authorizes you to collect this debt.

4. Proof that you are licensed to collect debts in my state, including your license number and the name of the issuing agency.

5. Documentation showing you have the legal right to collect on behalf of the original creditor or that the debt has been legally transferred to you.

Until you provide proper validation, please cease all collection activities, including reporting this debt to credit bureaus. If you have already reported it, I demand that you inform them of my dispute immediately.

Be advised that I am keeping records of all correspondence regarding this matter. If your office fails to comply with this request, I will not hesitate to file complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my states Attorney Generals office. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
I am submitting this complaint regarding a student loan account reported by DEPTEDXXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX that appears only on my TransUnion credit report, while XXXX  and XXXX  do not report this account at all. 

This inconsistent reporting raises serious concerns about the accuracy and completeness of the information being furnished. I have not received any communication explaining why only TransUnion is reporting this student loan account or whether the information has been properly verified and validated. 

Under the Fair Credit Reporting Act ( FCRA ), all data furnished to consumer reporting agencies must be accurate and consistent across all major credit bureaus. This discrepancy undermines the reliability of my credit report and may impact my creditworthiness unfairly.

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 2025-07-31 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: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) due to multiple inaccurate and damaging items being reported by the credit bureaus. Despite previous disputes and reinvestigation requests, these accounts, addresses, and inquiries remain unresolved and unverified. I am requesting that the CFPB take immediate action to investigate, enforce accountability, and ensure deletion and correction of these accounts, as they are either inaccurate, outdated, unverifiable, or the result of misreporting. These errors are causing serious harm to my creditworthiness, financial opportunities, and violate my consumer protection rights under federal law. 
DISPUTED ACCOUNT XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> | Balance Owed : {$6200.00} | Type : Late Payment LAW : FCRA 602 ( B ), 607 ( B ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) ISSUE : This account reports late payments that are inconsistent and possibly outdated. 
STORY : I was in active deferment or forbearance status during this period due to financial hardship under federal student loan relief options. These late payment notations are misleading and unfair. I am requesting you provide full payment history and federal deferment records, or else remove this reporting from my file. 

DISPUTED ACCOUNT XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> | Balance Owed : {$3600.00} | Type : Late Payment LAW : FCRA 602 ( B ), 607 ( B ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) ISSUE : Reported delinquencies are incorrect and not consistent with federal guidelines. 
STORY : As a federally backed student loan, this account was covered under national relief programs during the pandemic period. Any delinquency reporting for this timeframe is erroneous. I am formally requesting full documentation of payment history or immediate deletion of the account if validation fails. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to fully investigate each of these items and ensure compliance with federal law. The credit reporting agencies and furnishers have not provided the proper documentation to support continued reporting of these entries. I demand that all unverifiable, inaccurate, outdated, and unauthorized information be permanently removed from my credit reports. These errors are significantly impacting my life, and I expect the CFPB to take immediate action and provide the results of this investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: AZ

Complaint narrative:
I DO NOT RECOGNIZE THIS ADDRESS. PLEASE REMOVE THIS ADRESS FROM MY REPORT. THANK YOU.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5100.00}

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 2025-07-31 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: MA

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 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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
I was a full-time student in XXXX  when I saw Aidvantage start my student loans. Got in contact with them, did the whole deferment process, and they assured me multiple times that this was a mistake on their part and would take the wrongly accrued interest off. I have been dealing with them for longer than a year, and still nothing has changed. I ended up paying just my loan amount in full of {$3500.00} and reported them to the FSA. I was assured multiple times over the phone that the wrongly accrued interest of {$100.00} would be removed, which never happened. Unfortunately, they told me that they aren't able to send emails out because they don't have one? So all of this has been done/said by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: OH

Complaint narrative:
XX/XX/XXXX These items reporting on my credit report is also past the 7 year statue of reporting and thus needs to be removed. 

None of the illegal accounts/INQUIRIES below is tied to any of my addresses, they were all illegally opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN 30 DAYS OF RECEIPT OF NOTICE Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX  report. 


Remove all negative fraudulent items not associated with me! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX  stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX DEPT OF EDXXXX Date Opened XX/XX/XXXX Balance {$0.00} DEPT OF EDXXXX Date Opened XX/XX/XXXX Balance {$0.00} DEPT OF EDXXXXXXXX  Date Opened XX/XX/XXXX Balance {$0.00} * * Inquiries XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX I wrote the company explaining that I never lived at this address and I never had three other names on my credit report I should only have one name on my credit report

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 2025-07-31 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: IL

Complaint narrative:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

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 2025-07-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been dealing with Identity Theft for several years. The 3 credit bureaus removed a few of the fraudulent accounts a few years ago. In XXXX of XXXX  I noticed a few new fraudulent accounts. Even though I had an extended fraud alert on all 3 reports. I disputed the new fraudulent accounts they responded in 2 or 2 days stating they were verified and would not remove them. They also added the old fraudulent accounts back to my reports. Showing them as open and late. Some of these were closed as far back as XXXX. I have provided FTC reports and all documents to prove my identity to EXPERIAN, EQUIFAX AND TRANSUNION. I also filed complaints with CFPB. Most of these accounts never had any payments made to them. I also sent each company or collection agency the FTC reports and necessary documents. One account out of 8 has been deleted. The other 7 remain on my reports. Most showing open and late. This has destroyed my credit worthiness and cost me financial hardships. I would like a block of all fraudulent accounts that I am providing an FTC report to be removed and/or blocked. Please block all information resulting from identity theft pursuant to section 605B OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation