vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: TN

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, TN, XXXX ] XX/XX/year> XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Goodwill Adjustment Request for Late Payments on Multiple XXXX Loan Accounts Account Number : [ XXXX ] Dear XXXX Representative, I hope this letter finds you well. I am writing to respectfully request a goodwill adjustment regarding late payment notations reported on my credit file for several XXXX  loan accounts serviced by XXXX. These accounts appear as multiple tradelines, but they are all tied to the same core account number : [ XXXX ]. 
During the period of [ XXXX ], I experienced unexpected hardship due to [ briefly explaine.g., a temporary job loss, illness, family emergency, or other significant life event ]. Unfortunately, this resulted in delayed payments across all XXXX associated loan accounts. 
Please know that this was never a reflection of my intent to disregard my financial responsibilities. Since that time, I have taken every step to correct the issue. All accounts are now current, and I have maintained an on-time payment history since then. I am committed to staying on track with all future payments and have implemented better budgeting and monitoring to ensure my financial obligations are always met. 
In light of my consistent efforts and improved payment behavior, I am humbly requesting a goodwill adjustment to remove the late payment notations from my credit reports. I fully understand that XXXX is not obligated to honor this request, but I ask that you consider it as a gesture of understanding and compassion. This adjustment would go a long way in helping me recover from that period and continue building a solid financial future. 
Thank you for your time and consideration. Please let me know if you need any additional information to support my request. I greatly appreciate your attention to this matter and hope to hear from you soon. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Alliance One, Inc.
State: TX

Complaint narrative:
Alliance one file number XXXX thank you for your letter that dos not have the information I can legally request. you letter states this alleged account was reassigned to you { no contract show that and how much it was bought for, no validation of debt, I want the information I requested payments are not validation seems that you nor credit first have the document to legally validate the debt, also this debt was securitized By whom, trust, insurance, IRS, I want a complete copy of this also your letter has no validation nor any documentation shown in your letter, just send me the request information in detail, respond through the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: IN

Complaint narrative:
15 U.S.C. 1681c-2 Blocking Information Resulting from Identity Theft Requires credit reporting agencies to block fraudulent information within 4 business days after receiving an identity theft report.

15 U.S.C. 1681i Procedure in Case of Disputed Accuracy Requires CRAs to investigate disputes within 30 days and delete unverifiable or inaccurate information.

15 U.S.C. 1681s-2 ( a ) Responsibilities of Information Furnishers Prohibits furnishers ( creditors/collectors ) from reporting information they know is inaccurate.

15 U.S.C. 1681s-2 ( b ) Duties of Furnishers After Notice of Dispute Requires furnishers to investigate disputed accounts and correct/delete inaccurate information.

15 U.S.C. 1681c ( a ) Obsolete Information Prohibits CRAs from reporting most negative accounts after 7 years ( except certain bankruptcies ).

15 U.S.C. 1681g ( e ) Fraud Alerts and Active Duty Alerts Gives you the right to place a fraud alert to warn creditors before opening accounts.

15 U.S.C. 1681b ( a ) Permissible Purposes of Consumer Reports Restricts who can access your credit reportunauthorized access is a violation.

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 2025-08-05 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-05 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: NY

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TN

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, TN, XXXX ] XX/XX/25 MOHELA XXXX XXXX XXXX XXXX, MO XXXX Subject : Goodwill Adjustment Request for Late Payments on Multiple Student Loan Accounts Account Number : [ XXXX ] Dear MOHELA Representative, I hope this letter finds you well. I am writing to respectfully request a goodwill adjustment regarding late payment notations reported on my credit file for several student loan accounts serviced by MOHELA. These accounts appear as multiple tradelines, but they are all tied to the same core account number : [ XXXX ]. 
During the period of [ XXXX ], I experienced unexpected hardship due to [ briefly explaine.g., a temporary job loss, illness, family emergency, or other significant life event ]. Unfortunately, this resulted in delayed payments across all XXXX associated loan accounts. 
Please know that this was never a reflection of my intent to disregard my financial responsibilities. Since that time, I have taken every step to correct the issue. All accounts are now current, and I have maintained an on-time payment history since then. I am committed to staying on track with all future payments and have implemented better budgeting and monitoring to ensure my financial obligations are always met. 
In light of my consistent efforts and improved payment behavior, I am humbly requesting a goodwill adjustment to remove the late payment notations from my credit reports. I fully understand that MOHELA is not obligated to honor this request, but I ask that you consider it as a gesture of understanding and compassion. This adjustment would go a long way in helping me recover from that period and continue building a solid financial future. 
Thank you for your time and consideration. Please let me know if you need any additional information to support my request. I greatly appreciate your attention to this matter and hope to hear from you soon. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Untimely response
Consumer complaint received 2025-08-05 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: KS

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
This complaint is for XXXX XXXX XXXX XXXX XXXX XXXX, Experian, and the CFPB itself for failing to protect my rights. XXXX XXXX XXXX falsely added an account tied to XXXX XXXX, but then submitted validation from XXXX XXXX XXXX a completely unrelated institution. This is a violation of FCRA 611 and 609, FDCPA 809, and is now crossing into identity abuse under federal law. CFPB failed to catch this mismatch and closed my dispute despite incomplete validation. 

Because, XXXX XXXX XXXX XXXX submitted loan documents from XXXX XXXX XXXX as validation for a debt that allegedly originated from XXXX XXXX XXXX completely unrelated institutions. This constitutes false representation, misuse of personal data, and possible FERPA/GLBA violations. 

Experian is complicit by accepting and publishing the false data. CFPB previously closed this complaint without correcting or addressing the mismatched validation.

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 2025-08-05 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: TX

Complaint narrative:
This complaint is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the CFPB itself for failing to protect my rights. XXXX XXXX  XXXX falsely added an account tied to XXXX XXXX, but then submitted validation from XXXX XXXX XXXX a completely unrelated institution. This is a violation of FCRA 611 and 609, FDCPA 809, and is now crossing into identity abuse under federal law. CFPB failed to catch this mismatch and closed my dispute despite incomplete validation. 

Because, XXXX XXXX XXXX XXXX submitted loan documents from XXXX XXXX XXXX as validation for a debt that allegedly originated from XXXX XXXX two completely unrelated institutions. This constitutes false representation, misuse of personal data, and possible FERPA/GLBA violations. 

XXXX is complicit by accepting and publishing the false data. CFPB previously closed this complaint without correcting or addressing the mismatched validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
This complaint is for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and the CFPB itself for failing to protect my rights. XXXX XXXX XXXX falsely added an account tied to XXXX XXXX, but then submitted validation from XXXX XXXX XXXX a completely unrelated institution. This is a violation of FCRA 611 and 609, FDCPA 809, and is now crossing into identity abuse under federal law. CFPB failed to catch this mismatch and closed my dispute despite incomplete validation. 

Because, XXXX XXXX XXXX XXXX submitted loan documents from XXXX XXXX XXXX as validation for a debt that allegedly originated from XXXX XXXX two completely unrelated institutions. This constitutes false representation, misuse of personal data, and possible FERPA/GLBA violations. 

XXXX is complicit by accepting and publishing the false data. CFPB previously closed this complaint without correcting or addressing the mismatched validation.

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 2025-08-05 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: AR

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
This creditor has engaged in abusive, deceptive, and unfair practices prohibited under the Fair Debt Collection Practices Act ( FDCPA ). Per 15 U.S. Code 1666b, I did not receive a billing statement at least 21 days before the reported late payment, which qualifies as a billing error. Also, under 15 U.S. Code 1605 ( a ), if a finance charge is assessed, it represents the full cost of creditincluding all feesmeaning a late payment can not lawfully be assessed on an already-paid balance. Penalizing me in this way violates federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi there are inaccuracy listed on my credit report there is a bankruptcy filing in 2023 this information is incorrect I have never lived at this address XXXX XXXX XXXX XXXX XXXX NJ XXXX, my current address is XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CO

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 explanation
Consumer complaint received 2025-08-05 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: PR

Complaint narrative:
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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX. on XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent credit cards, collections and personal information appearing on my consumer FICO credit report. These list of the personal information is showing as well on my copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. TransUnion ; ( Adresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I do not recognize the aforementioned accounts, collections, or personal information as reported. The aforementioned accounts, collections, and personal information appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
My Cash App account was hacked. An unauthorized debit card was linked, and {$1000.00} was withdrawn without my consent. Cash App blocked my access for XXXX hours, and now they are requiring me to wait for an investigation with no provisional credit. This is a violation of the Electronic Fund Transfer Act. I request immediate reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$300000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1900.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

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