vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My loan was transferred to XXXX XXXX. 

I have been paying the student loan since XXXX at the direction of the servicer. I asked for assistance from the service to lower my payments because they were to high. It was lowered by around {$20.00}. The payments were so high, that the loans would have been paid off in ten years. The lender knew I was on the PSLF track. I made every payment on time. I chose a payment plan that would be accepted by PSLF at the beginning of the payment period ( I was with a different servicer at that time ).

I reviewed the payment plan and discovered it was different from the one I chose and changed the plan back to one that would be accepted by PSLF.

The servicer is saying that my acceptable payments for PSLF started in XXXX not XXXX. I consolidated the loans when I started making payments and was charged an additional {$20000.00} for this action. The lender is stating that the loans were consolidated in XXXX n0t XXXX. The lender is also saying I was in a deferment in XXXX and XXXX. The only time I was in a deferment is due to COVID, meaning the time should be counted toward PSLF forgiveness. I am unable to pull up information concerning the previous lender.

I completed the PSLF form twice by mail and once electronically. ( Incidentally I had to call constantly to get the information to determine the status of the loan ) I am being given the run around. I checked the website, and 15 payments have not been counted for PSLF. ( XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( hopefully I counted this correctly ) ). I was required to start making payments in XXXX ( by the government ) these payments are not being counted. The lender 's comments are that I was not in an acceptable plan. I was receiving assistance from the lender 's representative ; therefore how could I not have been in an acceptable plan. These lenders really are playing games. I made the mistake of saying that I am retiring this year. 

The loans were consolidated again when being transferred to the new lender and I was charged additional fees. 

I am still completing forms to get the count correct, but I have been working on this for 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 formally requesting that you block and remove the unauthorized accounts currently appearing on my credit file. I did not create or authorize these accounts and do not recognize their origin. As outlined in USC 1681g, I ask that these accounts be removed within 15 days. Enclosed are documents for your thorough review. Please also be advised that the information reported across credit bureaus is inconsistent and incorrect.

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 2025-05-29 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: NV

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-05-29 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: NY

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 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 non-monetary relief
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
Im writing once again regarding the fraudulent item that continues to appear on my credit report. Despite multiple attempts to resolve this, Im still dealing with an unauthorized entry that does not belong to me. My report also contains incorrect personal information, which may be contributing to this issue. Ive been a victim of XXXX XXXXmy information was used without my consent, and now Im being linked to an account Ive never had any involvement with. I filed an FTC Identity Theft Report as advised by Equifax and submitted all required documentation, yet this fraudulent item still remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
Summary of Events and Dispute Actions I am submitting a formal complaint regarding multiple inaccuracies reported on my credit profile by several companies, which I believe are violating the Fair Credit Reporting Act ( FCRA ). 

Dates and Accounts Involved : Between XXXX and XXXX, several accounts were reported inaccurately as charge-offs or collections, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reported as late in XXXX despite being current Actions Taken by Me : I submitted formal written disputes under the FCRA to XXXX, XXXX, and XXXX  between XXXX and XX/XX/XXXX, citing legal precedents ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and demanding removal or correction of inaccurate, unverified, or outdated data. 

I requested documentation verifying the debts, dates, balances, and activity. 

I warned the agencies that failure to investigate or correct would lead to formal complaints filed with the CFPB, FTC, and state Attorney General. 

I specifically flagged issues such as accounts marked as dispute resolved without documentation, accounts showing late payments that were never late, and balances I do not owe. 

Summary of Company Actions : So far, the companies have either ignored the disputes, failed to provide verification, or responded with boilerplate letters rather than addressing the merits of each dispute individually, which I believe violates 15 U.S.C. 1681i.

Request : I am seeking proper investigation, verification, and correction of these disputed items to ensure my credit reports accurately reflect my financial history, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX 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 Experian 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 XXXX XXXX XXXX  under the account number ( XXXX ), and This 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 2025-05-29 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account number : XXXX I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of transaction : Different date opened in the 3 credit viewer Merchant name : Wells Fargo bank Amount charged : {$7100.00} I became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity. 

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of [ supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute ]. 

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fairway Independent Mortgage Corporation
State: CO

Complaint narrative:
My husband and I originally had our mortgage at Fairway Mortgage, Fairway sold our mortgage to XXXXXXXX XXXX XXXX with transfer date as of XX/XX/year>. We were already in the process of refinancing our loan at Fairway- we closed on the new loan ( with a different mortgage provider, XXXX XXXX XXXX ) and confirmed that the wire for the full amount of the payoff was sent to Fairway on XX/XX/year>. Fairway confirmed that they received the wire and that the loan was NOT transferred to XXXX, but said that our escrow balance was transferred to XXXX. XXXX continues to call me for delinquencies - they say that we owe them the payment due on XX/XX/year> in addition to the payment due on XX/XX/year>. XXXX also has NOT refunded our escrow balance. According to CFPB, escrow balances are required to be refunded within XXXX business days after full payment. Tomorrow will be XXXX business days since XX/XX/year> and neither Fairway nor XXXX can confirm that my escrow is on the way - Fairway says XXXX has it, XXXX says Fairway would have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc.
State: HI

Complaint narrative:
To whom it may concern, I recently checked my credit report. I have noticed a credit card under my credit report, which I never opened from Montgomery Ward, also known as XXXXwardsXXXX XXXX. the open date of this card was XXXX. XX/XX/year>. I did not apply for this card. Montgomery Ward has stated the amount due is {$340.00}. This Company did not even mailed or contacted me about the charged amount due and was unaware of this situation, until checking credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am submitting this complaint to dispute the accuracy and completeness of the payment history reported on my credit file. The accounts listed below are inaccurately marked with late payments, which I firmly believe fall under billing errors as defined by federal law. 

Legal Basis for Dispute Under 15 U.S.C. 1666 ( b ) Billing Error, the following constitutes a violation by the creditor : 1666 ( b ) ( 4 ) : Failure to accurately reflect a payment or credit issued to the obligor on a statement. 

1666 ( b ) ( 5 ) : Errors in computation or similar accounting mistakes made by the creditor. 

Additionally, under the Credit CARD Act, a billing statement must be provided at least 21 days before the payment due date. No such statement was received prior to the due dates for the accounts below, meaning any reported late payments are invalid and should not appear on my credit report. 

Disputed Accounts XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payment reported, which I do not acknowledge and appears to be the result of a billing or accounting error. 

XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payment reported, despite not receiving proper billing notice and not recalling any missed payment. 

Requested Actions In accordance with the Fair Credit Billing Act and Fair Credit Reporting Act, I am requesting : A full reinvestigation of the payment history for both accounts. 

Removal or correction of any late payments that can not be verified with supporting documentation. 

Documentary proof showing I was late in making any payments on these accounts. 

If no proof can be produced, I am requesting that these entries be corrected to reflect " Paid on Time '' status. 

Regulatory Action and Notification This complaint is also being submitted to the following authorities : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Kansas State Attorney Generals Office I expect a timely and complete response, including either documented validation or prompt correction of the inaccurate payment data. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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 submitting this complaint on behalf of XXXX XXXX XXXX regarding an issue with the credit reporting agency. Despite multiple attempts, the credit bureau has refused to issue her current credit report. 

This lack of access to her credit report is preventing her from reviewing and verifying her credit data, which is essential for ongoing financial and credit repair matters.

Company response to consumer: Closed with non-monetary relief