vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
Subject : URGENT Request for Removal of Inaccurate, XXXX XXXX XXXX XXXX FCRA 611 Compliance Required ________________________________________ Dear XXXX XXXX XXXX, This is a formal dispute letter under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611. I am requesting a complete reinvestigation into multiple entries currently appearing on my consumer credit file.

These accounts reflect negative, outdated, or entirely unverifiable data. As such, they are in violation of my rights under federal law. I am formally requesting a full review and removal of any account that fails to meet the following legal standards : Complete and 100 % accurate Backed by original signed documentation from the furnishing party Not obsolete or past the legal XXXX reporting window Reported without errors in balance, dates, or payment status Not affected by identity theft or mistaken reporting ________________________________________ The Following Entries Are In Dispute ( Examples ) : ( Note : Replace these with actual accounts if known or leave blank if you want them to investigate all negatives ) Collection Account from [ Debt Collector Name ] Charged-off Account from [ Original Creditor ] Late payments reported by [ Bank/Lender Name ] Duplicate or outdated public records ________________________________________ Legal Notice : Pursuant to FCRA 611 ( a ), you must : 1. Complete a reasonable reinvestigation of all disputed items within 30 days of receipt of this request.

2. Provide documentation proving the accuracy and validity of each entry, sourced from the original creditor or data furnisher.

3. Delete or correct any item that is found to be incomplete, inaccurate, or unverifiable under the law.

________________________________________ Enclosures for Identity Verification : Copy of my government-issued ID ( Drivers License ) Copy of recent utility bill ( proof of address ) Copy of credit report with disputed items highlighted ( optional ) ________________________________________ This letter is not generic. It is a direct legal challenge. I am aware of my rights and expect your agency to adhere to all federal consumer protections. Any item that can not be validated with actual documents must be immediately removed from my report under FCRA. 
Please confirm receipt of this dispute, and provide written results of your investigation within the legal timeframe. I reserve all rights under state and federal consumer laws. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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:
What happened? ( Complaint narrative ) : I am a victim of identity theft and have submitted disputes and identity theft reports multiple times to Experian, Equifax, and TransUnion under FCRA 605B. I also submitted an FTC Identity Theft Report and a police report, requesting an immediate block and removal of fraudulent accounts as required by law.

Despite this, the credit bureaus have continued reporting these unauthorized accounts and failed to block the disputed information. Additionally, they failed to update my personal identifying information, such as removing incorrect names, addresses, and employment entries, even after multiple requests.

I also requested the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ), but I have not received any documentation or response. The reinvestigation processes were clearly automated ( via e-OSCAR ), not manual, and relied on frozen LexisNexis files, which makes the verification invalid.

This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 605B, 611, 607, 616, and 617. These errors have caused damage to my credit, stress, and hardship. I am seeking an immediate block of the fraudulent data, correction of my personal file, and confirmation in writing of the actions taken. 
________________________________________

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
I am filing this complaint because TransUnion is improperly extending the investigation of my disputes, violating the Fair Credit Reporting Act ( FCRA ) investigation timelines. 
- On XX/XX/XXXX, I mailed 4 separate disputes regarding 4 separate accounts that had factual data errors or inconsistencies via XXXX Certified Mail - One item ( tracking # XXXX ) was delivered XX/XX/XXXX, while 3 other items ( tracking # XXXX XXXX, XXXX and XXXX ) were delivered on XX/XX/XXXX - My initial dispute mailings included ALL necessary supporting documentation for a complete investigation. I did NOT provide any additional information to TransUnion after these initial mailings. 
- On XX/XX/XXXX, I received a letter via US Mail from TransUnion ( file number XXXX ) stating that they received my initial correspondence on XX/XX/XXXX ( incorrect ) and 'additional information ' on XX/XX/XXXX ( false claim ), and that the investigation period has been extended by 15 days, with a new completion date of XX/XX/XXXX ( incorrect calculation ). 
- Under FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to complete its investigation within 30 days of receiving my dispute. The 45-day extension ( 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) ) only applies if the consumer provides additional relevant information during the XXXXday period, which I did not.

-Therefore, the true 30-day deadlines are XX/XX/XXXX, and XX/XX/XXXX. By relying on an invalid extension, TransUnion is already demonstrating non-compliance with the FCRA - I demand that TransUnion immediately delete these disputed items as they have failed to properly conduct the investigation within the statutory 30-day period, and the furnishers have likely failed to verify the inaccurate information within this timeframe.

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 2025-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called the number they forced me to call 3 times. Talked for 15 minutes answering overly personal questions like my driver 's license number and mom 's XXXX name etc etc and she did nothing. I am also sick and lost my voice so can't hardly talk at all. 
I was trying to transfer the interest earned out so that I'd be under the FDIC limit of $ XXXX and they once again ( this happens every time I try to transfer MY own money or access it ) they said my account is on hold now to verify me. 
Then I call the number and she asks an excess amount of personal questions. I am already logged into my account so why do they need further verification? I do not feel it is secure or safe to give a random employee all the info that can be used to steal my identity! 

Never had a bank ask my driver 's lic number. That is odd. 
And this is supposed to be an online HYSA account. Why do I get put on hold every time I want to access my money. I have tried for an entire month. 

The gal after answering too many personal questions for 15 minutes told me it will be another 15 at least! I had to hang up as it was making me very upset and feel sick. I am not supposed to talk at all due to illness and loss of voice. It hurts and makes me have a hard time breathing.

I should not have to call them and have my own account frozen every time I want to access my funds. They did this before too! They do this by default any time someone wants their funds. It is not normal and causing me a headache. 

I also asked them how to close my account and get ALL of my money and they refuse to answer. I sent them online messages while logged into my account and all the do is reply in form letter style saying to call that same number. Most of the times when I call no one is working. I have a reversed sleep pattern. 

This is a customary thing they do... any time a customer wants their money they say oh no sorry your account is on hold we don't know if you are who you say you are even though we are logged into our own personal account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I submitted my Public Service Loan Forgiveness ( PSLF ) application through StudentAid.gov after completing XXXX qualifying payments. On XXXX, I also submitted a written request to Aidvantage for an administrative forbearance while the application is under review, as allowed by federal guidance. 

Despite this, Aidvantage has not acknowledged my PSLF application or my forbearance request. They have continued to send billing statements and have not paused payments or collections on my account. I attempted to resolve this by contacting them, but their responses have been vague and did not address the PSLF status or apply the requested forbearance.

This is contrary to U.S. Department of Education policy, which states that borrowers awaiting PSLF review should be placed into administrative forbearance upon request. I am asking for CFPB assistance in having Aidvantage properly process my PSLF application, stop billing me during the review, and confirm in writing that my account is in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> Dispute of Inaccurate Reporting - ACCOUNT ENDING IN XXXX Dear Equifax, Experian, and Transunion, I am writing to express my extreme frustration and disappointment with the continued inaccurate reporting of the above-mentioned account. Despite my repeated disputes, your agency has failed to accurately investigate and correct the errors. 


-XXXX XXXXXXXX ACCOUNT ENDING IN XXXX This account has been reported as charged off, and reporting is innacurate I did not contract with your agency, and there is no valid basis for the debt. Your agency 's failure to investigate and correct the errors has caused me significant harm, including damage to my credit score and financial reputation.

I demand that you : 1. Immediately cease all reporting of this account until a thorough investigation is conducted.

2. Conduct a comprehensive investigation into the validity of the debt.

3. Provide me with documentation supporting the debt, including the original contract and proof of assignment.

4. Correct the inaccurate reporting and notify the credit bureaus to remove the erroneous information. 

If I do not receive a satisfactory response within 30 days of this notice, I will pursue all available legal remedies, including filing complaints with regulatory agencies and seeking damages. 

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 2025-06-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> Dispute of Inaccurate Reporting - ACCOUNT ENDING IN XXXX Dear Equifax, Experian, and Transunion, I am writing to express my extreme frustration and disappointment with the continued inaccurate reporting of the above-mentioned account. Despite my repeated disputes, your agency has failed to accurately investigate and correct the errors. 


-XXXX XXXXXXXX ACCOUNT ENDING IN XXXX This account has been reported as charged off, and reporting is innacurate I did not contract with your agency, and there is no valid basis for the debt. Your agency 's failure to investigate and correct the errors has caused me significant harm, including damage to my credit score and financial reputation.

I demand that you : 1. Immediately cease all reporting of this account until a thorough investigation is conducted.

2. Conduct a comprehensive investigation into the validity of the debt.

3. Provide me with documentation supporting the debt, including the original contract and proof of assignment.

4. Correct the inaccurate reporting and notify the credit bureaus to remove the erroneous information. 

If I do not receive a satisfactory response within 30 days of this notice, I will pursue all available legal remedies, including filing complaints with regulatory agencies and seeking damages. 

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 explanation
Consumer complaint received 2025-06-08 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:
My name is XXXX XXXX XXXX and I checked my report this month and noticed another fraudulent account that I missed the last time I checked my credit. I immediately filed a police report and contacted the bureaus via mail to remove the account and block it from damaging my profile according to the FCRA, but they have not responded to my request. I am now reaching out to the CFPB for their assistance with this matter in hopes that they will be held accountable to do their job. The fraudulent account that I have disputed is XXXX XXXX XXXX Account Number XXXX Opened XX/XX/year> and has a balance of {$380.00}. I have a right to have my profile accurate and since they have a account on my profile that is not legally mines then it is not accurate. I have included a copy of my ID for identification and a copy of the police report for the fraudulent account. Thanks XXXX XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am writing to formally dispute several inaccurate and fraudulent accounts that have been reported to my credit history across XXXX XXXX XXXX XXXX These false accounts are damaging my credit score and affecting my ability to build a better financial future. 

Upon reviewing my credit reports, I noticed the following concerning entries : XXXX XXXX and XXXX  This is a third-party collection agency reporting a debt of {$580.00} to XXXX as XXXX XX/XX/XXXX. The original creditor is listed as XXXX, which was a WiFi service I previously canceled. I do not owe any outstanding balance to XXXX, and at no time did I provide XXXX XXXX and XXXX with my personal information or consent to be contacted about this alleged debt. This debt is invalid and should not be associated with me. 
Portfolio Recovery Associates This debt buyer is reporting a balance of {$250.00} on my XXXX XXXX XXXX  credit reports, claiming the debt is related to a XXXX XXXXXXXX account dated XX/XX/XXXX. I have no recollection of ever opening or owning a XXXX XXXX account tied to this claim. I believe this account is falsely attributed to me or is the result of a reporting error or identity confusion. 
XXXX XXXX XXXX This agency is reporting a debt of {$360.00} to all three credit bureaus on XX/XX/XXXX, for a XXXX account. I have never opened or held any account with XXXX in my life. This information is completely false and does not belong on my credit file. 
These inaccurate entries are severely hindering my efforts to improve and rebuild my credit. As someone actively working toward financial stability, these wrongful collections are not only discouraging but unfair and harmful. I am deeply frustrated that incorrect informationnone of which I am responsible foris negatively impacting my creditworthiness. 

I am asking the CFPB to investigate these accounts and assist in having them removed or corrected. I also request that each credit bureau ( XXXX XXXX XXXX XXXX ) be notified to reinvestigate these claims and verify them with full documentation. 

Suggested Resolution : Immediate deletion of these accounts if the agencies and creditors are unable to verify the debt with documented proof. 
Written confirmation of any updates made to my credit reports. 
Investigation into how and why my personal information may have been used or misattributed to these accounts.

Thank you for your assistance in resolving these issues. It is my hope that these errors can be corrected promptly so that I may continue my credit journey without being burdened by false information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I am writing to formally dispute several inaccurate and fraudulent accounts that have been reported to my credit history across XXXX XXXX XXXX XXXX These false accounts are damaging my credit score and affecting my ability to build a better financial future. 

Upon reviewing my credit reports, I noticed the following concerning entries : XXXX XXXX and XXXX This is a third-party collection agency reporting a debt of {$580.00} to XXXX as XXXX XX/XX/XXXX. The original creditor is listed as XXXX, which was a WiFi service I previously canceled. I do not owe any outstanding balance to XXXX, and at no time did I provide XXXX XXXX and XXXX with my personal information or consent to be contacted about this alleged debt. This debt is invalid and should not be associated with me. 
XXXX XXXX XXXX This debt buyer is reporting a balance of {$250.00} on my XXXX  and XXXX credit reports, claiming the debt is related to a XXXX XXXXXXXX account dated XX/XX/XXXX. I have no recollection of ever opening or owning a XXXX XXXX account tied to this claim. I believe this account is falsely attributed to me or is the result of a reporting error or identity confusion. 
Southwest Credit Systems This agency is reporting a debt of {$360.00} to all three credit bureaus on XX/XX/XXXX, for a XXXX account. I have never opened or held any account with XXXX in my life. This information is completely false and does not belong on my credit file. 
These inaccurate entries are severely hindering my efforts to improve and rebuild my credit. As someone actively working toward financial stability, these wrongful collections are not only discouraging but unfair and harmful. I am deeply frustrated that incorrect informationnone of which I am responsible foris negatively impacting my creditworthiness. 

I am asking the CFPB to investigate these accounts and assist in having them removed or corrected. I also request that each credit bureau ( XXXX XXXX XXXX XXXX ) be notified to reinvestigate these claims and verify them with full documentation. 

Suggested Resolution : Immediate deletion of these accounts if the agencies and creditors are unable to verify the debt with documented proof. 
Written confirmation of any updates made to my credit reports. 
Investigation into how and why my personal information may have been used or misattributed to these accounts.

Thank you for your assistance in resolving these issues. It is my hope that these errors can be corrected promptly so that I may continue my credit journey without being burdened by false information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
i found an inaccurate negative item on my credit report,, i contacted the midland credit received no verifiable response .. am requesting a full investigation under the fair credit reporting act ( FCRA ) please remove this unverifiable item

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not recognize these inquiries on my credit report and Ive asked the credit bureaus to remove many times and nothing has been done

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 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm, I called multiple times to let them know that I did not make these changes and that I am a victim of identity theft, data breaches and dark web fraud. They still insist that the charges are mine and will not close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: OR

Complaint narrative:
I have recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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