vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The uploaded repo documents show the lenders Payment History Statement listing Repossession, Vehicle Sale, and an auction-sale credit of about {$7300.00}, proving the vehicle was taken and sold and that no payment was made by me. The credit bureaus are reporting a false last payment after repossession, which contradicts the lenders own documents and is materially inaccurate. 

I requested all required repossession-sale documentsNotice of Intent to Sell, Post-Repossession Notice, Auction/Sale Confirmation, Bill of Sale, Bid Sheet , Full Deficiency Calculation, and a complete transaction ledger. None of these required UCC Article 9 documents were provided, meaning the company can not validate any balance or the reporting being furnished.

Despite clear evidence, the company and bureaus continued to verify inaccurate information in violation of FCRA 602 ( a ), 607 ( b ), 611, and 623 ( a ). I am issuing a cease and desist regarding all inaccurate or unverified reporting and demanding permanent deletion from all credit bureaus. 

These violations caused emotional distress, medical hardship, and financial harm, including being unable to secure housing. I am requesting {$10000.00} in monetary compensation and CFPB intervention to obtain the missing documents and require correction or deletion within 10 days.

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 2025-11-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Problem : Loan status not properly reported to me. 
Resulted : Impacted my credit score negatively, by over XXXX points. I can no longer qualify for a mortgage. 

Aidvantage changed the email address and XXXX mailing address on my account, back to old ones that were no longer being used! 
After doing this, they then sent correspondence to the incorrect addresses, because of this I was not notified of the status of my loan forbearance ending due to policy change. When I called Aidvantage they affirmed that they had the correct addresses on file, but could not explain why they changed to the incorrect ones. Aidvantage did affirm that I didn't make the changes. 

I just spoke to a coworker who just left a State Job working on student loans and she told me that this issue and similar ones have been happening constantly because the loan servicing companies have adopted systems that do not properly import data. 

Desired outcome : I want all of the credit reporting of prior past due balances in XXXX  of my student loans to be removed by Aidvantage because their failures to send correspondence to the proper addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-19 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
You are furnishing and/or have obtained my consumer information without my written consent, authorization, or a legally valid permissible purpose as defined by 15 U.S.C. 1681b. At no time have I entered into any signed agreement granting you permission to access, use, report, or share my consumer information with any consumer reporting agency.

Under 15 U.S.C. 1681b ( a ), a person or entity may only obtain or furnish a consumer report for specific, lawful purposes.

Because I never provided written consent, nor is there any documented permissible purpose, your reporting constitutes : Unauthorized furnishing of my consumer information ( Violation of 15 U.S.C. 1681b ( f ) ) Failure to maintain proof of permissible purpose ( Violation of 15 U.S.C. 1681b ( a ) ( 2 ) ) Failure to ensure maximum possible accuracy ( Violation of 15 U.S.C. 1681e ( b ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: 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, CHALLENGED OR NOT.

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 2025-11-19 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-11-19 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Problem : Loan status not properly reported to me. 
Resulted : Impacted my credit score negatively, by over XXXX points. I can no longer qualify for a mortgage. 

XXXX changed the email address and USPS mailing address on my account, back to old ones that were no longer being used! 
After doing this, they then sent correspondence to the incorrect addresses, because of this I was not notified of the status of my loan forbearance ending due to policy change. When I called XXXX they affirmed that they had the correct addresses on file, but could not explain why they changed to the incorrect ones. XXXX did affirm that I didn't make the changes. 

I just spoke to a coworker who just left a XXXX XXXX XXXX XXXX XXXX XXXX and she told me that this issue and similar ones have been happening constantly because the loan servicing companies have adopted systems that do not properly import data. 

Desired outcome : I want all of the credit reporting of prior past due balances in XXXX of my student loans to be removed by XXXX because their failures to send correspondence to the proper addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Problem : Loan status not properly reported to me. 
Resulted : Impacted my credit score negatively, by over XXXX points. I can no longer qualify for a mortgage. 

XXXX changed the email address and USPS mailing address on my account, back to old ones that were no longer being used! 
After doing this, they then sent correspondence to the incorrect addresses, because of this I was not notified of the status of my loan forbearance ending due to policy change. When I called XXXX they affirmed that they had the correct addresses on file, but could not explain why they changed to the incorrect ones. XXXX did affirm that I didn't make the changes. 

I just spoke to a coworker who just left a XXXX XXXX XXXX XXXX XXXX XXXX and she told me that this issue and similar ones have been happening constantly because the loan servicing companies have adopted systems that do not properly import data. 

Desired outcome : I want all of the credit reporting of prior past due balances in XXXX  of my student loans to be removed by XXXX because their failures to send correspondence to the proper addresses.

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 2025-11-19 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: FL

Complaint narrative:
I am filing this complaint because my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is being reported inaccurately and inconsistently across Experian, Equifax, and TransUnion, causing significant harm and confusion. Experian reports this account as Late Closed with a {$0.00} balance and a last activity date of XX/XX/XXXX, while TransUnion also reports it as Late Closed but lists a different open date of XX/XX/XXXX, and Equifax incorrectly reports it as Late Open with a last activity date of XX/XX/XXXX and a Current payment status. These conflicting representations demonstrate that the same account is simultaneously reported as both open and closed, violating FCRA 607 ( b ) ( duty to maintain maximum possible accuracy ), FCRA 611 ( a ) ( right to dispute and requirement of reasonable reinvestigation ), FCRA 623 ( a ) ( 1 ) ( A ) ( furnisher duty to provide accurate information ), and FCRA 609 ( a ) ( right to full disclosure of all information in my file ). I have the right to know how this account is being reported and to expect accuracy across all three bureaus. The continued reporting of these Late Open and Late Closed inaccuracies indicates a failure to meet statutory obligations, and I am requesting the CFPBs assistance to enforce compliance. These errors have created misleading and materially inconsistent information on my credit reports, affecting my overall credit profile, and despite my attempts to dispute these issues directly with the credit bureaus, the inaccurate data remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am filing this complaint because my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is being reported inaccurately and inconsistently across Experian, Equifax, and TransUnion, causing significant harm and confusion. Experian reports this account as Late Closed with a {$0.00} balance and a last activity date of XX/XX/XXXX, while TransUnion also reports it as Late Closed but lists a different open date of XX/XX/XXXX, and Equifax incorrectly reports it as Late Open with a last activity date of XX/XX/XXXX and a Current payment status. These conflicting representations demonstrate that the same account is simultaneously reported as both open and closed, violating FCRA 607 ( b ) ( duty to maintain maximum possible accuracy ), FCRA 611 ( a ) ( right to dispute and requirement of reasonable reinvestigation ), FCRA 623 ( a ) ( 1 ) ( A ) ( furnisher duty to provide accurate information ), and FCRA 609 ( a ) ( right to full disclosure of all information in my file ). I have the right to know how this account is being reported and to expect accuracy across all three bureaus. The continued reporting of these Late Open and Late Closed inaccuracies indicates a failure to meet statutory obligations, and I am requesting the CFPBs assistance to enforce compliance. These errors have created misleading and materially inconsistent information on my credit reports, affecting my overall credit profile, and despite my attempts to dispute these issues directly with the credit bureaus, the inaccurate data remains unresolved.

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 2025-11-19 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: Synergetic Communication Inc
State: GA

Complaint narrative:
I am filing a complaint against Synergetic Communications for reporting an account they do not own and can not validate. Synergetic is furnishing account XXXX to the credit bureaus, yet this account was sold to XXXX XXXX XXXX XXXX XXXX and I am already on a payment plan with that company. XXXX has no legal authority to report this debt. 

They are also reporting an incorrect balance, and when I contacted the original creditor to confirm ownership and the accuracy of this account, they stated they could not verify any of the information Synergetic is reporting.

Despite having no proof of ownership, no documentation, and no authority over this account, Synergetic continues to furnish this information, harming my creditworthiness and violating federal consumer protection laws.

FDCPA 1692d abusive conduct by reporting unverified, harmful information FDCPA 1692j creating the false impression that I owe or acknowledge a debt they do not own FDCPA XXXX liability for damages resulting from continued inaccurate reporting Synergetic has failed to validate the debt, can not prove ownership, and is reporting false and conflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXXXX/XX/year>

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 2025-11-19 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
My account on cash app was closed on XX/XX/XXXX I believe, and it's saying I can still withdraw my money. So when I go to withdraw my money it's saying that I can't add a bank or debit card, in fact it's saying that I must link a debit card that was recently added. Problem is the debit card that was previously linked is no longer active and I no longer have access too. And customer service with cash app have been absolutely no help at all. And all I want to do is withdraw my remaining funds off of cash app.

Company response to consumer: Closed with explanation