vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: NJ

Complaint narrative:
My student loan was previously assigned to XXXX in XXXX. I always made my monthly payments on time and never had an issue. In XXXX, I made my monthly payments to XXXX, and they sent me the money back via check. They advised me that they put all student loan accounts on hold due to XXXX and they would notify me when the payments would be due again. I called them a few times, and they advised that the accounts were still on hold. I never received a call or any further correspondence from XXXX. On XX/XX/year>, I tried to obtain a student loan from XXXX XXXX for my daughter 's senior year at XXXX University. I was stunned when it was denied due to delinquent payment on my student loan account. I ordered my credit reports from XXXX XXXX, and XXXX and noticed that a company named Aidvantage reported me delinquent for nonpayment on XX/XX/year>. I had no clue who this company was and called them. The representative advised me that they took over the federal student loans from XXXX and I was delinquent in my payments. I advised the representative that I did not receive any correspondence from her company regarding the transfer of the loan or any payments that were due. She stated that they sent an email and made phone calls but never sent anything in writing via the XXXXXXXX XXXX XXXX. I advised that I never received any calls and do not routinely check my emails, especially due to spam and phishing scams. Also, emails should not be the primary communication utilized for this sensitive issue. During the call, I made the payments for the past due amount and asked the representative to reconcile the delinquency report to the credit bureaus, but she declined. I advised her that this was not my fault as I did not receive anything in writing regarding these payments. I explained that I always pay my bills on time and value my credit report scores ( which were previously XXXX on all XXXX bureaus ). I am a single mother who is assisting my daughter with her college tuition and this unfair reporting has major repercussions on obtaining her senior year loan and any future loans that we might need. If I received written correspondence I would have known about the transfer and made the payments timely as I have always done. I am very disgusted with the unprofessional practice of Aidvantage and need to get this rectified as I've worked my entire life to establish great credit and provide for my child.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-05 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, 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 receiving this complaint. This false, inaccurate, and fraudulent information consist of an auto loans- XXXXXXXX XXXX {$26000.00} collection accounts XXXX  {$2000.00}, XXXX XXXX {$1000.00}, XXXX XXXX {$260.00}, these accounts have resulted in several fraudulent inquiries and accounts on my consumer FICO report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

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 2025-07-05 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: LA

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 on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$10000.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX  does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX  does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
I am formally disputing some incorrect and unauthorized items on my credit report. According to the FCRA ( 15 U.S. Code 1681b ( 2 ) ), my personal data was used without my written consent, and accounts I didnt open are now listed. This could be identity theft under 15 U.S. Code 1681c-2. Im requesting that you look into this and fix these problems right away.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint because the credit reporting agencies ( Equifax, Experian, and TransUnion ) are continuing to report inaccurate personal information on my credit reports, despite multiple disputes and proper documentation provided. 

Specifically, the following incorrect personal information remains on my credit profile : Outdated or incorrect addresses that I have never lived at or am no longer associated with Employers that I have never worked for or have no affiliation with These entries are not accurate, not verifiable, and should not be associated with my credit profile. I have submitted valid and sufficient documentation including : A copy of my government-issued ID A utility bill and/or lease agreement confirming my current address A formal written dispute outlining the specific inaccuracies According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain maximum possible accuracy of the information they report, and to properly investigate consumer disputes within 30 days. Despite fulfilling my responsibility by providing evidence, the credit bureaus have failed to correct or delete the inaccurate information. 

I believe this is a clear violation of : FCRA Section 611 ( 15 U.S. Code 1681i ) Failure to reinvestigate and correct inaccurate information FCRA Section 607 ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy This failure is not only unacceptable but also negatively impacts my ability to apply for credit, housing, or employment I have attached my most recent request to have the inaccurate personal information removed. This documentation includes certified mail tracking and proof of delivery. Despite this, my request has been ignored, and the incorrect information continues to appear on 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 non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Subject : Request for Immediate Removal of Inaccurate Information Under FCRA 623 ( a ) ( XXXX ) Dear Early Warnings, I am writing to formally dispute the accuracy of certain information on my credit report as provided by your agency. As a victim of fraud, I believe the listed accounts are inaccurate and not reflective of my credit history. 

The accounts in question are as follows : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX - Open Date : XX/XX/XXXX - Close Date : XX/XX/XXXX According to the Fair Credit Reporting Act, I have the right to request verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately. Please investigate this matter and provide me with a response as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: EQUIFAX, INC.
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
This letter is to dispute false and unauthorized accounts showing on my credit report. My information was reported without my permission, which violates 15 U.S. Code 1681b ( 2 ) of the FCRA. These accounts dont belong to me and could be related to identity theft, as described in 15 U.S. Code 1681c-2. I am asking for a full investigation and correction of these mistakes.

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 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This complaint is against Capital one they canceled my credit card and shut down my account as well as my online account without providing any information they informed me there is nothing i could do to get my account restored i can not access my account online or via the app i asked if i would still be getting charged interest they said yes i would still be charged interest on a closed account i did the math i shouldve been only charged only at most XXXX dollars yet every month its been accumulated over XXXX $ in interest this business is shady and unethical they will not allow me to view statements online or mail me a statement they refuse to provide reliable information and evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
I try to dispute account on my claim report and Trans Union Equifax and Experian failed to comply with consumer law i have provided a police report and a ftc report showing i am a victim of fraud and they still verify information as accurate i have never open a XXXX XXXX  account i have never been in the XXXX this account was opened without my consent i did not authorize and I would like it to be removed from my credit record immediately Failed to remove result in legal action under consumer 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 non-monetary relief
Consumer complaint received 2025-07-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I try to dispute account on my claim report and Trans Union Equifax and Experian failed to comply with consumer law i have provided a police report and a ftc report showing i am a victim of fraud and they still verify information as accurate i have never open a XXXX XXXX  account i have never been in the XXXX this account was opened without my consent i did not authorize and I would like it to be removed from my credit record immediately Failed to remove result in legal action under consumer law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A fraudulenXXXX XXXX XXXXccount was opened in my name on or around XX/XX/year>, without my knowledge, authorization, or benefit. I was already an active XXXX customer at the time and never opened or consented to this account in any way. I did not authorize anyone else to open it either. 

The account was later placed with XXXX XXXX XXXX for {$2400.00} and is now showing as closed on my TransUnion report. However, closure does not equal resolution or validation. The account continues to report as a derogatory collection, negatively impacting my credit score.

I have disputed this account multiple times with the credit bureaus and have never received any documentation verifying that I opened it no signed contract, IP logs, usage data, or delivery confirmation.

Under the Fair Credit Reporting Act ( FCRA ) Section 611, unverifiable or inaccurate information must be removed entirely, not simply marked closed or updated. I am requesting the permanent deletion of this account from all credit bureaus, as it remains inaccurate, unverified, and harmful to my credit profile.

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 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a purchase on XX/XX/XXXXXXXX  for {$1700.00} with XXXX XXXX On my promo balance it shows that the purchase was {$2900.00} with promo expiration of XX/XX/XXXX. I called on XX/XX/XXXXXXXX  for an explanation and resolution. I was on the phone for a total of 38 minutes. I was transferred to a rep in the payment allocation department. I re explained my issue. I told her I had a {$600.00} refund on XX/XX/XXXX that was applied to this promo balance. I told her that I called 2 weeks earlier to have it applied to a balance with an upcoming expiration date. She immediately told me that it is impossible for a refund to be applied that way and that my statement was wrong about my refund being applied to an unrelated promo balance. I requested that she actually review my account before telling me something incorrect. She placed me on hold and then transferred me to a recording for a MATTRESS WARRANTY!

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: KY

Complaint narrative:
In XXXX of XXXX  I had received a notification telling me my credit score fell. This was via XXXX and upon investigation saw a loan for around {$970.00} was taken out via a company called " Affirm '' now was dinging my credit report for non-repayment. Reached out to Affirm immediatly after finding this out to notify them I did not authorize nor receive funds from this given out loan I was not even notified of an account and/or loan being dispursed in my name! Affirm should had done additional verifications perhaps, especially an account being used in another state!. Also, the funds were used at a XXXX XXXX called XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reside in XXXX XXXX Kentucky so do not understand why some sort of additional valadation was not conducted on Affirms part for a loan being requested in ANOTHER STATE from that inwhich the account holder RESIDES! 
I have filed a police, and FTC Identity theft reports and mailed these along with a letter to a physical address with AFFIRM in hopes to close this matter and remove the negative marks on my credit report before it escalates to a 3rd party. My case has been rejected numorious times with AFFIRM. I do not know what else to do. 
I have also notified the credit reporting agencies the fraud that has occured under my name.

Company response to consumer: Closed with explanation