vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB Representative, I am submitting this letter as a formal complaint regarding the reporting of a late payment by XXXX XXXX on my credit report for XX/XX/year>. This reporting is the result of circumstances beyond my control and should be investigated and corrected. 

In XX/XX/year>, I mailed a check to XXXX XXXX to make my regular monthly payment. However, I later discovered that the payment never reached the creditor, and my bank has confirmed that the check has not been cashed as of today 's date. This indicates that the check was either lost or stolen in the mail, and I was unaware of the issue until I noticed the late payment reported on my credit report. 

Upon further investigation, I realized I was a XXXX XXXX XXXX XXXX as the payment was never processed or received by XXXX XXXX. I have a consistent history of making on-time payments, and this situation unfairly damaged my credit through no fault of my own. 

I am respectfully requesting that this late payment be removed from my credit report due to the extenuating circumstances of mail fraud and the fact that I took timely action to submit my payment in good faith. 

Please investigate this matter thoroughly and take appropriate action to ensure my credit file reflects accurate and fair information. I am also submitting a dispute with the credit bureaus and have included any supporting documentation available. 

Thank you for your attention to this matter. I appreciate your assistance in ensuring consumer protections are upheld. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: OH

Complaint narrative:
XXXX months ago ( around XX/XX/year> ), XXXX separate delinquent student loan accounts were reported to all three credit bureaus by Aidvantage. The total balance was {$1900.00}. I received no prior phone calls or written communication notifying me of any balance due, delinquency, or deferment ending. The only contact was a single suspicious-looking email branded as Aidvantage, with a click here to pay link which resembled phishing, so I disregarded it. 

Ive lived at the same residence for XXXX years. I never received mailed notices, calls from Aidvantage about these loans. The last servicer I recall using was XXXX ( now XXXX ), which showed the accounts as paid. I was unaware of the transfer to Aidvantage. 

Upon seeing the XXXX negative entries on my credit report, I immediately verified the legitimacy and paid the full balance ( {$1900.00} ) directly through Aidvantages portal on XX/XX/year>. However, significant damage had already been done to my credit score. 

Reporting XXXX tradelines for a single set of loans and doing so without any attempt at contact by mail or phone violates basic standards of due process and likely FCRA requirements for accurate, fair, and verifiable reporting. 

I request that these entries be removed or corrected across all credit bureaus, given the lack of notice and the immediate full repayment once I became aware. 

I have disputed these entries through all three credit bureaus as well on the basis of FCRA, requesting that these be removed or corrected across all credit bureaus, given the lack of notice and the immediate full repayment once I became aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-01 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-01 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: KY

Complaint narrative:
I have previously linked XXXX external accounts to my credit karma money spend account - a XXXX account and a XXXX XXXX account. You can only have XXXX linked at a time but both are on file. My XXXX XXXX account is closed now so I tried to switch back to my XXXX account that is already on file. When I tried to do this, I was having issues so I contacted a customer service rep who told me I could only change the linked account 4 times for the entire life of the account. This means Im stuck with the CLOSED XXXX XXXX account since they cant switch it to the XXXX account I have on file. They do not disclose this information when youre changing your account. When speaking to the customer service rep I asked for options to close the account and she told me to transfer the funds to an external account after she had just told me I couldnt change the closed account. Overall a bad practice and poor customer service experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights.

This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance.

Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted. 
XXXX XXXX. XXXX XXXX of XXXX Resulting from Identity Theft You are required to block fraudulent information within XXXX business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them. 
Fraudulent Accounts and Inquiries ( Previously Disputed ) : 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  These were not opened or approved by me. They were the result of identity theft, and any delay in removing them further harms me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I am submitting this follow-up complaint to escalate my prior CFPB case ( XXXX XXXX ) against XXXX XXXX ( XXXX Equifax company ) for XXXX XXXX conduct a lawful reinvestigation and deliberately obstructing the dispute process under the Fair Credit Reporting Act ( FCRA ). 

In response to my XXXX and XX/XX/year> disputes, XXXX acknowledged and deleted XXXX inaccurate address and XXXX false name ( " XXXX XXXX '' ). However, as of my most recent consumer report dated XX/XX/year>, the following inaccurate and unverifiable addresses remain on file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses have no legal or personal connection to me, and I have never resided at or used these addresses for any purpose. I provided : My current address ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ) Valid government-issued ID Utility bill as proof of residence XXXX refused to delete the remaining disputed items, instead demanding that I submit a separate dispute reason for each address, despite having already stated these addresses are not mine and never were. This redundant and unreasonable request is a clear obstruction of my rights under FCRA 1681i ( a ), which requires furnishers to reinvestigate disputed items without unnecessary burden on the consumer. 

Additionally, their refusal to remove inaccurate data despite my documentation is a violation of : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation FCRA 1681i ( a ) ( 5 ) : Failure to delete unverifiable information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-01 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: VA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
lost {$750.00} from my Cash App balance. At the time, I had an active Cash App Card, which according to Cash Apps terms makes my balance eligible for FDIC XXXX XXXX via their partner banks ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

I was never notified of any change in coverage, and I never opted out. Cash App has not refunded my money or explained what happened. This raises serious concerns about FDIC protection and consumer transparency. 

I am requesting the Consumer Financial Protection Bureau to investigate and help ensure I receive a full refund for the {$750.00} XXXX lost. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal 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 2025-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX Myself and my fiance, XXXX XXXX, contacted Mr. Cooper/lakeview regarding delinquent property taxes owed to our county ( XXXX XXXX ) . Per our county treasurer, they had not received any payment for property taxes since the purchase of the property in XXXX. We have paid into our ESCROW account since the purchase of our home, XXXX monthly, over the past XXXX years, which by our calculations, that would equate to almost XXXX invested into our escrow account, in addition we also pay mortgage insurance- equating to almost XXXX as of todays date- which would be more than enough to cover property taxes. 

Once we submitted our concern to Mr cooper, we were directed to email these delinquent tax statements to XXXX On XX/XX/XXXX. 

It wasnt until XX/XX/XXXX that received a new escrow assessment stating that there was an escrow shortage of over {$13000.00} dollars. XXXX days later ( XX/XX/XXXX ) we received a XXXX statement saying we have an escrow shortage of over XXXX dollars. We contacted Lakeview on XX/XX/XXXX to discuss this discrepancy- we spoke to XXXX who said this amount was based off of a supplemental tax that was owed. 

We contacted XXXX XXXX treasurer that same day ( XX/XX/XXXX ) to ask what the XXXX time supplemental tax was owed from XXXX, the amount owed is only XXXX. Furthermore, our treasurer stated that they still have XXXX defaulted payments/ a redemption bill for the year XXXX ( XXXX ) and XXXX ( XXXX ), and have not received payment- according to lakeview- they submitted payment on XX/XX/XXXX XXXX 

Further investigation of payments from our escrow account, shows that lakeview and cooper paid county taxes from our escrow account in XXXX and XXXX, this was all prior to our treasurer reaching out for delinquent payments in XX/XX/XXXX these payments, which shows in our escrow statements, but according to our county treasurer - none of those payments ( that posted on our escrow account ) were ever received by the county. 


When we tried to address this ; we were told thats just how they calculated everything we were expected to pay the increased mortgage come XX/XX/XXXX There is clear documentation, showing discrepancies on Mr. Cooper/Lakeviews end, including and not limited to, gross negligence on our escrow account, tax evasion- falsifying documentation ( for not paying out calculated property taxes to our county treasurer, but documenting that they did pay it out ) and fraud. We would like this situation to be handled appropriately before we seek out an attorney for punitive damages moving forward. 


For documentation purposes Our parcel number for our county treasurer is XXXX Sincerely XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
XXXX XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am sending this complaint to formally request the correction and update of multiple inaccurate and inconsistent items appearing on my credit file. I have already submitted disputes to the credit reporting agencies, XXXX, TransUnion, and XXXX, regarding these accounts, addresses, inquiries, and other entries, but they continue to reflect incorrect or unverifiable information. These errors are negatively affecting my creditworthiness and do not accurately represent my credit history.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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief