vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I am following up on the formal administrative dispute I submitted in XX/XX/XXXX regarding XXXX contested student loans which remain the basis for threatened Social Security garnishment. While I have received a partial response from the Department XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, that response failed to address the key legal and factual issues raised in my original dispute letter. No substantive reply has been received from the Department of the Treasury. A certified letter to the XXXX of the Ombudsman was returned as undeliverable. This follow-up is therefore being resubmitted to the Ombudsman electronically and now includes the Consumer Financial Protection Bureau XXXX and all parties for proper response. 
To reiterate the substance of the dispute : The loans in question were clearly listed on my XXXX Direct Consolidation Loan application ( see Exhibit AXXXX XXXX XXXX ). 
They were not entered into the DOE  database until XXXX The DOE has not produced a record of the declared default or when the NatioXXXX XXXX XXXX XXXX  ( XXXX  ), the guaranty agency, paid an insurance claim to the lender. 
Over {$38000.00} garnished from my wages from XXXX on an original loan of {$13000.00} without contemporaneous notice or explanation ( see Exhibit F ). Despite, at the time being within {$1000.00} of the outstanding debt, DOE says I still owe over {$9000.00} in principle DOE has not produced original promissory notes, verified default dates, or explained a critical disbursement discrepancy ( {$4000.00} vs. {$1600.00} ). 
The recent DOE response merely restates prior boilerplate language, fails to reference any exhibits I submitted, and offers no direct response to my request for administrative review under 31 C.F.R. 285.4 ( e ) and 34 C.F.R. 30.33 ( b ). 
I am again requesting immediate compliance with federal dispute procedures and a complete, record supported explanation of how these loans remain legally enforceabledespite consolidation, arnishment, forgiveness under XXXX, and the absence of documentation.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-29 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 non-monetary relief
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts XXXX involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-07-29 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts XXXX involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts XXXX involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-07-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I attempted to make my mortgage payment through PennyMacs website but was unable to do so because the Make a Payment link does not work. I tested multiple devices and browsers, and found that every other part of the website functions normallyexcept the payment link. This is not the first time Ive experienced this issue with PennyMac, and I find it concerning that only the payment feature is consistently inaccessible.

I sent an email to PennyMac ( to XXXX ) informing them of the issue, requesting assistance, and documenting my attempt to pay. I asked them to fix the issue, provide an alternative method of payment, and confirm that I will not be penalized for any delays caused by their system.

I believe this could be either a deliberate obstruction or bad faith behavior. Im making this complaint to document my efforts to pay, prevent any fees or credit damage, and ensure they are held accountable for maintaining a functional, fair payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-29 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: TX

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA XXXX the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-07-29 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: I.C. System, Inc.
State: RI

Complaint narrative:
I am writing to formally dispute a debt that I.C. Systems, Inc. has reported to the consumer credit reporting agencies in the amount of {$94.00}, allegedly owed to XXXX XXXX XXXX. According to my credit report, your agency reported this account with a collection date of XX/XX/XXXX. 

I did not receive any prior notice from your company by mail or otherwise regarding this alleged debt. Moreover, I have no outstanding account or obligation with XXXX XXXX XXXXXXXX or XXXX XXXX since my account with the latter was closed in XXXX. This alleged account does not belong to me. 

Your conduct violates multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1692g Failure to send required notice of debt within five days of initial communication ; 15 U.S.C. 1692e ( 8 ) Communicating or threatening to communicate false information, including credit information which is known or which should be known to be false ; 15 U.S.C. 1692f Using unfair or unconscionable means to collect or attempt to collect a debt ; 15 U.S.C. 1692e ( 2 ) Misrepresenting the character, amount, or legal status of any debt.

Furthermore, by reporting this alleged debt to credit reporting agencies without notifying me, and without conducting a reasonable investigation into its legitimacy, your agency has caused harm to my credit and interfered with my professional obligations. As an attorney, I was forced to divert valuable time and attention away from my clients to address this wrongful and baseless entry. Accordingly, I reserve the right to pursue actual damages, including the value of my lost time, along with any statutory damages allowed under the FDCPA and other applicable state or federal laws.

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 2025-07-29 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX  -- {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: MD

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA XXXX the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-29 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: MD

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA XXXX the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the XXXX-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-07-29 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 extremely dissatisfied with the failure to comply with section FCRA XXXX ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-29 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: GA

Complaint narrative:
Subject : Failure to Reinvestigate and Remove Inaccurate and Unverified Items from Credit Reports I am submitting this complaint against the three major credit bureaus, Experian, Equifax, and TransUnion, due to their failure to adequately investigate and respond to my formal disputes regarding inaccurate and unverifiable information currently being reported on my credit file. 

I initially submitted my dispute on XX/XX/XXXX, followed by additional correspondence in XX/XX/XXXX. Despite these timely and properly submitted requests, the credit bureaus have not removed or corrected the disputed items, nor have they complied with their legal obligation to verify the information in question.

Disputed Items Still Unresolved : Unverified Accounts : XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Balance : {$25.00} XXXX XXXX Account # : XXXX Balance : {$17.00} XXXX XXXX Account # : XXXX Balance : {$210.00} XXXX Account # : XXXX Opened : XX/XX/XXXX XXXX Opened : XX/XX/XXXX XXXX Opened : XX/XX/XXXX XXXX Opened : XX/XX/XXXX Unjustified Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Violations and Noncompliance : In accordance with 15 U.S.C. 1681i ( a ) ( 7 ), I specifically requested the method of verification, including : A description of the procedures used The name, title, and contact information of the individuals or entities contacted All documentation relied upon to validate the information To date, none of this information has been provided. The continued presence of these unverified items constitutes clear noncompliance with federal law, including : 15 U.S.C. 1681i ( a ) Duty to reinvestigate 15 U.S.C. 1681e ( b ) Duty to maintain maximum possible accuracy

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 2025-07-29 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: GA

Complaint narrative:
Subject : Failure to Reinvestigate and Remove Inaccurate and Unverified Items from Credit Reports I am submitting this complaint against the three major credit bureaus, Experian, Equifax, and TransUnion, due to their failure to adequately investigate and respond to my formal disputes regarding inaccurate and unverifiable information currently being reported on my credit file. 

I initially submitted my dispute on XX/XX/XXXX, followed by additional correspondence in XX/XX/XXXX. Despite these timely and properly submitted requests, the credit bureaus have not removed or corrected the disputed items, nor have they complied with their legal obligation to verify the information in question.

Disputed Items Still Unresolved : Unverified Accounts : XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Balance : {$25.00} XXXX XXXX Account # : XXXX Balance : {$17.00} XXXX XXXX Account # : XXXX Balance : {$210.00} XXXX Account # : XXXX Opened : XX/XX/XXXX XXXX Opened : XX/XX/XXXX XXXX Opened : XX/XX/XXXX XXXX Opened : XX/XX/XXXX Unjustified Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Violations and Noncompliance : In accordance with 15 U.S.C. 1681i ( a ) ( 7 ), I specifically requested the method of verification, including : A description of the procedures used The name, title, and contact information of the individuals or entities contacted All documentation relied upon to validate the information To date, none of this information has been provided. The continued presence of these unverified items constitutes clear noncompliance with federal law, including : 15 U.S.C. 1681i ( a ) Duty to reinvestigate 15 U.S.C. 1681e ( b ) Duty to maintain maximum possible accuracy

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 2025-07-29 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: NC

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