vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
My credit score dropped XXXX points in month preventing me from closing on a home to buy. The XXXX says the report they made of 90 days late on XXXX accounts was their error but they have scheduled retraction by XX/XX/year> which is crazy. I now have lost a home purchase that I no longer qualify for until my score goes back to where it was. I am hiring an attorney as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 on XX/XX/XXXX under the account number XXXX  and a collections account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$490.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries 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 # ( private case number ) 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 2025-07-02 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:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I dispute inaccurate reporting by JPMCB Card Services, the furnisher of a {$4700.00} charge-off account ( # XXXX, opened XX/XX/XXXX, closed XX/XX/XXXX ) on my credit reports with XXXX XXXX XXXX XXXX The account, last paid on XX/XX/XXXX, suggests a time-barred status under XXXX XXXX XXXX XXXX of limitations, and its continued reporting with negative markers ( e.g., XXXX days late ) for a closed account violates FCRA accuracy standards. I sent an initial dispute letter on XX/XX/XXXX via certified mail, followed by a second letter [ insert follow-up date if known, e.g., XXXX ], requesting FCRA Section XXXX compliance, complete payment history, and debt validation, but no response has been received by XX/XX/XXXX ( due XX/XX/XXXX ). This failure to investigate within 30 days has perpetuated inaccuracies, contributing to my credit score dropping to XXXX during disputes, despite recent recoveries : XXXX to XXXX, XXXX to XXXX, and XXXX to XXXX as of XX/XX/XXXX. XXXX XX/XX/XXXX response ( Confirmation # [ XXXX ] ) removed two derogatory markers, highlighting JPMCBs non-compliance with its furnisher duties under FCRA Section 615 , which supports the credit bureaus FCRA Section 611 reinvestigation obligations. High credit usage ( 95 % on JPMCB ) and these unresolved negatives continue to hinder my credit profile. I demand the immediate and complete removal of this account from all reports and compensation for financial harm, including lost credit opportunities and dispute costs. 
Attachments the two JPMCB letters ( XX/XX/XXXX and follow-up ), certified mail receipts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TN

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 2025-07-02 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: MO

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 2025-07-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I am disputing a debt XXXX  claims I owe for home internet, cable TV, and voice services from late XXXX to early XXXX. I did not knowingly authorize or agree to any of these services. I only had XXXX XXXX and assumed any payments made were for that. I was never provided a contract, itemized breakdown, or confirmation that I enrolled in these home services. 

When I contacted XXXX, they claimed that by making payments, I entered into a verbal agreement. I disagree with this explanation. I made partial payments in good faith, assuming they were tied to my mobile account, not for home services I never used or agreed to. 

The debt is now in collections for {$380.00} and is being reported to my credit. I asked XXXX to provide documentation proving I knowingly signed up for or authorized these services, but they could not produce it. 

I am requesting full removal of this account from all credit bureaus and written confirmation that I am not responsible for this debt, as I never agreed to the services in question.

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 2025-07-02 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: NJ

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 that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under 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 2025-07-02 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: NY

Complaint narrative:
I received a pre-approval offer through my XXXX portal that claimed there would be " no impact to credit score. '' I did not complete the application after being asked to authorize third-party access. I never received any confirmation or denial. Later, I discovered a hard inquiry from XXXX XXXX  on my credit report. They initially couldn't find my application, then claimed it was denied without ever notifying me. I did not knowingly authorize a hard pull, and this feels like deceptive and improper use of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
CAME UP ON HARD TIMES AND FELL BEHIND. CAUGHT BACK UP NOW THE LATE PAYMENTS ARE KILLING MY SCORE PREVENTING ME FROM MOVING FWD WITH A NEW VENTURE. THE ACCOUNT IS NOW CLOSED I HAVE A NEW MORTGAGE COMPANY AND I AM ALL CAUGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: PA

Complaint narrative:
I had closed my electric utility account in XX/XX/year>. I did not move, just changed utility companies. XXXX utility company send me a final bill in XXXX of XXXX  with the remaining balance. In XXXX of XXXX  this account was placed into collections. No letters, no phone calls, no attempt to contact me prior to placing it into collection and not giving me a chance to resolve this matter or dispute this matter and bypassing my rights and placing this account into collection. I did not even know it went into collections due to the short time frame. I found out through a message i received from my XXXX, XXXX, and XXXX  accounts stating a collection was added to my credit profile from Contract Callers. I had to look them up through my credit profile to get their information. Still till this day I have no idea of the account number or have any information about this account with contact callers due to the limited information that is provided via my credit report. Not from Contact Callers directly. I am disputing Contract Callers process and legal steps that were taking to verify this debt with me. I'm also exercising my rights under the FDCPA that all attempts were made to verify this debt and that all legal steps were followed prior to reporting it to the credit bureaus or are they in violation the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: UT

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Block, Inc.

Complaint narrative:
I initially reported this issue to Cash App in XX/XX/year>, and since then I have not received any meaningful response or resolution. Therefore, I would like to explain the situation again in detail for your review and assistance. 

I am currently missing XXXX payments that were originally sent to my Cash App account. I successfully cashed them out to my linked bank account ; however, I never actually received the funds. Upon investigation, my bank confirmed that they returned the payments back to Cash App because the name associated with the Cash App account was a nickname rather than my legal name. This mismatch led to the bank rejecting the deposits. 

Despite this, the funds have not been restored to my Cash App balance, and I have not been provided with any update regarding the status of these returns. I contacted Cash App support multiple times, submitted screenshots of the transactions, and uploaded copies of my bank statements confirming the returns. Unfortunately, I have not received any reply or confirmation from Cash App. 

The missing payments that should have been refunded to my Cash App balance are as follows : XXXX Sent on XXXX XX/XX/year> by XXXX XXXX XXXX Sent on XXXX XX/XX/year> by XXXX XXXX XXXX Sent on XXXX XX/XX/year> by XXXX XXXX XXXX Sent on XXXX XX/XX/year> by XXXX XXXX XXXX Sent on XXXX XX/XX/year> by XXXX XXXX The total amount in question is XXXX. I rely on this money for essential living expenses, including rent and household costs. It has been extremely distressing to wait for nearly XXXX months without any resolution, especially as this is not the first time Ive experienced similar issues with Cash App. 

I respectfully request your assistance in helping me obtain the refunds I am owed. As Cash App has now ceased operations in the XXXX, I would appreciate it if the funds could be sent directly to my bank account, which was previously linked to my Cash App profile and is listed in the documentation I provided to them. 

The reference number is : [ ref : XXXX : ref ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under 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 2025-07-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
I filed XXXX XXXX bankruptcy on XX/XX/XXXX and received a discharge on XX/XX/XXXX. XXXX and PENN CREDIT CORP was properly notified of my bankruptcy through the Bankruptcy XXXX XXXX, as confirmed by my bankruptcy documents. I have proof of this notification. Despite this legal discharge, a collection for a XXXX debt appeared on both my XXXX  and XXXX reports from PENN CREDIT CORP. I submitted a complaint on XX/XX/XXXX to CFPB ( complaint ID - XXXX ) and received a company response on XX/XX/XXXX stating the following - Penn Credit reviewed and investigated the complaint. We are a third-party debt collection agency that is contracted with the original creditor. Penn Credit Corporation contacted the original creditor regarding this matter. The original creditor investigated and closed this account from our office. The original creditor confirmed that the debt is written off as XXXX  XXXX bankruptcy. The consumer will not receive further communication from our office regarding this matter. 

Despite this, today XX/XX/XXXX the same collection from Penn Credit Corporation has now appeared on XXXX  credit report. I am filing this follow-up complaint regarding Penn Credit Corp 's continued violations of federal bankruptcy law and credit reporting laws. 

This is not an isolated incident but a pattern of willful violations of federal bankruptcy law. Penn Credit Corp 's actions after my previous successful complaint and successful disputes through XXXX  and XXXX demonstrate they are knowingly violating the discharge injunction.

Company response to consumer: Closed with explanation