vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-23 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: SC

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 2025-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: FL

Complaint narrative:
The debt with American Car Center was paid in full and updated to my credit spoke with XXXX XXXX XXXX XXXX of the charge off department. I was transferred to her when I requested validation of the balance owed after receiving a special offer regarding a closed account with American Car Center for a balance of a debt verified from my credit report was paid in full and closed. American Car Center closed XX/XX/XXXX I made my last payment XX/XX/XXXX and was told it would take a couple months for them to issue my title I was never advised they were closing and I wouldn't receive my title. XXXX notified me via mail XX/XX/XXXX of a special offer to pay off a car loan I already paid off and then transferred me to Supervisor XXXX when I requested validation of this debt when I know it was paid in full and my credit report with XXXX XXXX XXXX XXXX  validated the same. I want to help myself and the thousands of others that were frauded by this car dealership now frauding collection agencies by selling them debts that are erroneous on vehicles they have received full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
They are forcing me to pay more on lower-interest loans than on higher-interest loans. When I contacted them about this, all they did was advance my payment dates, even though I clicked the box saying " do not advance my payment due date. '' I am fine paying the total amount they are requesting, but I am not okay with them applying more of my payment to my lower interest loans while leaving the higher interest loans unpaid. This is predatory and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: IL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I had a XXXX  account opened since XXXX had few transactions between me and my friends. I had a balance amount of {$130.00} dollars in my XXXX  Account. 
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX sent me an email informing me and I quote " Hi XXXX, You recently canceled a XXXX  account. 

Since your account was recently closed, we're required to send you a final statement. 

Your final statement for the canceled account is attached to this email and includes your transaction history for XX/XX/year> ''. This email included the final statement showing that my money was moved to the " XXXX  XXXX account. I could no longer log into my account as the account has been blocked by XXXX. 
I called XXXX on the same day and was able to speak with the XXXX who told me that I have no money in the account and that the balance of {$130.00} dollars was moved to XXXX and he does not have any other information. 
He was able to unlock my account so that I have access but my money is gone. 

I never closed my account and never requested my account to be closed. I tried numerous times to reach XXXX to have them return my money but they run me around and never provide information or return my money. 
They have my email, my phone number and my bank account but they never ever contacted me to tell me what their intent is and that they are moving my money. I only received XXXX and only email from XXXX  on XX/XX/year> stating that I closed my account and here is the final statement. 
I called them the same day on XX/XX/year> and reopened account. I asked the XXXX to help me get my money back but he could not help me. I called numerous times after that but the XXXX  people are not answering phones. I reached them XXXX days ago on XX/XX/year> but I got the same run down and no resolution or my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-23 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: TN

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 explanation
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
I called Aidvantage today, XX/XX/year> about why they did not remove my loan after being approved for a VA XXXX XXXX XXXX XXXX XXXX  XXXX Discharge showing in the amount of {$3700.00}. 

I received a XXXX XXXX XXXX loan forgiveness through the XXXX XXXX and XXXX of my loans were removed but this one was not. They said because the loan was in a default status it could not be charged off even though the Department of Education listed it as XXXX of my XXXX loans forgiven. They said there was nothing they could do since I was in default except to bring my account current. I explained that I have not worked in XXXX years due to my situation and that's why I received the discharge from the VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: LEXISNEXIS
State: OH

Complaint narrative:
consumers law 15 US Code 1681 a ( 4 ) ... consumers right to privacy.... an alleged bankruptcy reference number XXXX XXXX XXXX bankruptcy dismissed/closed is a violation of my right to privacy. please refer to 15 US Code 1681 a ( 4 ). dated XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: KY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-10-23 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: KY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: MoneyLion Inc.
State: FL

Complaint narrative:
I am disputing a collection account reported by MoneyLion Inc that appears on my credit reports with Experian, Equifax, and TransUnion. I have no knowledge of ever opening or using this account, and therefore believe it is being reported inaccurately.

I request verification of this account under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ).

Despite my dispute, the account continues to appear on my credit reports, which is negatively affecting my credit profile. I request that MoneyLion Inc provide full validation of this debt, including original account documentation and proof that I am legally responsible for this account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
On XX/XX/year> I was notified by the US DOE under Sweet V. Cardona, my student loan discharge was approved [ see attached ]. 

Borrower Defense Application # : XXXX Borrower Defense Application School XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  More than 90 days later on XX/XX/year>, the federal student loan servicer AIDVANTAGE, has not processed the discharge. In a customer service interaction, the supervisor indicated the servicer had not yet received discharge instructions beyond placing the loans in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
This complaint is being submitted to request a full and proper investigation into multiple inaccurate, unverifiable, and misleading items being reported on my consumer credit file. These accounts and entries are damaging my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have made numerous attempts to resolve these issues directly with the credit bureaus and data furnishers, yet the items remain on my reports without proper verification or documentation. This complaint is being filed as a final attempt to obtain justice, accuracy, and compliance with federal law. 

INQUIRIES XXXX XXXXXX/XX/year> This inquiry was reported without my authorization and does not have a permissible purpose under 15 U.S.C. 1681b ( a ). I never applied for any credit or loan with XXXX, and there has been no transaction or application initiated by me that could justify this hard inquiry. Under 1681b ( f ), any person or entity obtaining a credit report without a permissible purpose is in violation of federal law. I request that you provide the full written documentation bearing my signature that authorizes this inquiry. If such proof can not be produced, this inquiry must be deleted immediately as it represents an unauthorized access and an invasion of my privacy, directly violating 1681b and 1681i. 

XXXX XXXX XX/XX/year> This inquiry is entirely unauthorized and reported inaccurately. I have no application, agreement, or any record of attempting to obtain credit through XXXX XXXX. Reporting such inquiry without proper authorization violates 1681b ( a ) ( 3 ) and 1681e ( b ), which mandate reasonable procedures to ensure maximum possible accuracy of the information contained in my credit report. If you can not verify this inquiry with an original signed credit application, it must be deleted immediately. Continued reporting of unverified inquiries is considered willful negligence under 1681n and entitles the consumer to damages and injunctive relief.

I am demanding a full reinvestigation and deletion of all unverifiable, inaccurate, and improperly reported accounts mentioned above. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are clear about consumer rights regarding accuracy, fairness, and verification. Any continued reporting or failure to validate will be treated as willful noncompliance under FCRA 616 and 617. I request the Consumer Financial Protection Bureau to enforce these violations, ensure corrective action is taken by the data furnishers and credit reporting agencies, and hold them accountable for their ongoing disregard of federal consumer protection laws.

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