vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
In XX/XX/XXXX, I received an email from the Department of Educations Default Resolution Group stating that a XXXXXXXX XXXX  was in default and subject to wage garnishment. This was the first and only notice I ever received regarding the loan. I immediately called on XX/XX/XXXX and confirmed the default. By that point, the damage had already been donefive derogatory credit marks, {$770.00} in accrued interest, and complete destruction of my credit standing. 

This loan originated between XXXX for {$1500.00}. I consolidated all of my federal loans in XXXX and reasonably believed this loan was included. All of my loans had been serviced together prior to consolidation. I received no billing statements, delinquency notices, or contact attempts from the assigned servicer ( XXXX ). My address has always been up to date with the Department of Education, and I maintained active mail forwarding during all moves. 

Despite that, the loan was transferred to collections in XX/XX/XXXX using a two-year-old address, and I was never given an opportunity to respond, dispute, or cure the default. I had no knowledge the loan existed until the email threatening wage garnishment. 

The resulting damage has been catastrophic : I have been denied financing, lost the ability to refinance my mortgage, and seen my credit score collapsethrough no fault of my own. This was entirely due to administrative negligence and the servicers failure to contact me.

To make matters worse, the FSA Ombudsman feedback system has been offline and inaccessible, making it impossible to file a formal complaint with the Department of Education. I am turning to the CFPB because every internal channel is broken or closed off. 

Resolution requested : Immediate enrollment in the loan rehabilitation program Full removal of all default-related derogatory credit reporting Waiver of interest that accrued solely due to lack of notice and failure to contact Review and accountability for ECSIs complete failure to service or communicate regarding this loan I am not disputing the debt. I am disputing the default, the damage, and the total breakdown in communication that made this situation impossible to resolve before it wrecked my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
This is a formal request for the removal of a late payment inaccurately listed on my account. I have attached payment receipts that clearly indicate compliance with the due date. I urge you to correct this error in a timely manner.

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 2025-06-10 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
Let me be clear : this is wrong. It is your responsibility under the Fair Credit Reporting Act to ensure that all data reported about me is accurate, verifiable, and complete. Im asking you to do exactly that verify this information. And if you can not 100 % confirm, with documentation, that this information rightfully belongs to me and was reported with my consent, then you are obligated to delete it from my credit report entirely.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When a 3rd party with nothing in the original agreement to make it legal to do so buys my debt do they not have to alert me? If they do they are in violation. See attached. Can a 3rd party collection company even attempt to collect a debt without being in an agreement with me after buying and becoming responsible for it on my behalf THEN ask me to pay them back? If not they are in violation? What information am I legally obligated to ask for and receive in order for them to report it? Did they provide it to you if so what dont I have copies? See attached. Plus my finery theft report. All formal documents plus my signature, ID, social, and POa were already sent via certified mail and will not be sent again.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I am formally disputing the continued reporting of an account [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  that has not been validated in accordance with federal law. Despite my previous dispute, [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ] has failed to provide legally required validation, yet continues to report this account to the three major credit bureaus.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to proper debt validation. According to FCRA 1681s-2, furnishers of information must remove unverifiable accounts. Since they have failed to provide verification as required under law, their continued reporting is a direct violation of federal statutes. 

Additionally, the CFPB has reaffirmed the necessity for furnishers to cease reporting unverifiable accounts. Therefore, I demand : Immediate deletion of the unvalidated account from my XXXX XXXX XXXX XXXX  reports. 

Confirmation of deletion in writing within 15 days of receiving this letter. 

Investigation into [ Creditor Name ] for noncompliance with federal law.

Failure to comply will result in further action, including complaints to the FTC, state attorney general, and possible legal claims for violating my consumer rights.

I expect an urgent resolution to this matter. Please acknowledge receipt and provide updates within the stated timeframe.

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IN

Complaint narrative:
I am paid every single week at XXXX on XXXX. This week, it was insanely late. I reached out to the customer support and they just kept telling me I needed to wait up to XXXX business days before they'll even help me. They keep trying to push the blame on my employer, but the direct deposit shows pending on their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
Bought a XXXX $ dollars XXXX XXXX gift card off XXXX. When I was trying to use it I've encountered the error or hdt XXXX. XXXX basically asked me to submit a form to let them review, cant use the balance unless they approved. I did submit about XXXX forms at this moment, which they have all been declined by google calling my form wasn't matching with the system. when I requested to know who part was not matching. They refused to give me any assist. Now the company just straight up deleting my support tickets ( 3 ) now. 
XXXX dollars stuck in my XXXX XXXX account I cant even access it.

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 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I was offered a settlement by Bank of America for four credit card accounts totaling approximately {$26000.00}. The offer was presented as a 30 % discount if I paid the remaining 70 % over 3 months. It was framed as a relief option not a formal settlement and I was never clearly informed it would permanently close my accounts, trigger negative credit reporting, or damage my credit score for up to 7 years.

I verbally agreed based on what was explained to me ( by someone whose tonality and pronunciation was extremely hard to understand ), but the call was cut off during the payment setup. I made no payment, received no written terms or disclosures, and had no opportunity to review or confirm anything in writing. They never called me back when the call ended early, and i tried calling back that same night with no luck. And have since talked to multiple managers that are telling me they can not reverse the actuion no matter what, even if I pay off all 4 accounts in full immediately ( Which I offered to do ).

Despite this, BOA immediately closed all four accounts. One has already been reported to the credit bureaus as settled for less and past due, despite the agreement being incomplete and unclear. The other 3, I believe are about to be reported on the end of their old billing cycle.

I have asked BOA managers multiple times to reverse the action or pause additional credit reporting, but I was told there is nothing they can do. I specifically requested evidence of my enrollment or a copy of the call recording BOA claims confirms my enrollment. They refused to provide it, even though I informed them that I have my own recording, which clearly shows the call ended prematurely and that the programs true consequences were not disclosed and that the entire process was misleading and. 

I am filing this complaint because I believe the settlement was presented in a misleading manner, lacked material disclosures, and has resulted in serious and unfair harm to my credit. I am requesting immediate reversal of this process, correction of any reporting, and a full halt on additional credit reporting until this matter is resolved.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Credit report is inaccurate the following hard inquiries did not turn into an active account Ive XXXX of identity theft ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My Credit report is inaccurate the following hard inquiries did not turn into an active account Ive XXXX of identity theft ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-10 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: CA

Complaint narrative:
This account is incorrect as pursuant to 15 U.S. Code 1692g ( 2 ) the name of the creditor to whom the debt is owed ; shall be name and the transitions failed to identify the original creditor. Also ftc reports have been filed. 

Debts are Car loan from XXXX XXXX for {$20000.00} Personal loan from XXXX XXXX for {$8100.00} Accounts appear as derogatory. Car loan should appear as paid off. Personal is incorrect and should have never been on the 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 2025-06-10 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: CA

Complaint narrative:
This account is incorrect as pursuant to 15 U.S. Code 1692g ( 2 ) the name of the creditor to whom the debt is owed ; shall be name and the transitions failed to identify the original creditor. Also ftc reports have been filed. 

Debts are Car loan from XXXX XXXX for {$20000.00} Personal loan from XXXX XXXX for {$8100.00} Accounts appear as derogatory. Car loan should appear as paid off. Personal is incorrect and should have never been on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
This account is incorrect as pursuant to 15 U.S. Code 1692g ( 2 ) the name of the creditor to whom the debt is owed ; shall be name and the transitions failed to identify the original creditor. Also ftc reports have been filed. 

Debts are Car loan from XXXX XXXX for {$20000.00} Personal loan from XXXX XXXX for {$8100.00} Accounts appear as derogatory. Car loan should appear as paid off. Personal is incorrect and should have never been on the 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
This is a dispute regarding multiple accounts that were fraudulently created using my personal information. I never applied for or opened these accounts. Under 15 U.S.C. 1681g, please remove them from my credit report within 15 days. Attached is evidence that supports my claim.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under the FDCPA and FC

RA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caus
ed.

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 2025-06-10 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
XXXX ACCAUNT ADDED IN MY CREDIT REPORTS BUT ITS NOT MY XXXX XX/XX/year> ACCAUNT CLOSED

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 2025-06-10 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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