vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, acting pro XXXX, submit this complaint against The Bureaus, Inc., XXXX XXXX XXXX XXXX, TransUnion, and Experian for inaccurate, unvalidated, and potentially unlawful credit reporting and debt collection practices. Attached are my credit report excerpts ( XXXX XXXX, XXXX ) showing an alleged retail collection account ( Acct. XXXX, XXXX, XXXX * * * * ) originally owed to XXXX XXXX and assigned to The XXXX on XXXX XXXX, XXXX. Conflicting balances appear : {$440.00} per The Bureaus, {$720.00} per XXXX, and the account remains listed as unpaid under dispute. Copies of my XXXX passport and TransUnion and Experian reports highlighting discrepancies are enclosed. 

XXXX  XXXX, as furnisher under XXXX U.S.C. XXXX ( b ), failed to conduct a reasonable investigation after dispute notice ( XXXX  v. XXXX, XXXX Cir. XXXX ) and under XXXX U.S.C. XXXX ( b ) failed to maintain maximum possible accuracy ( XXXX v. XXXX, XXXX XXXX. XXXX ). Its conduct constitutes willful noncompliance under XXXX U.S.C. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ). A XXXX data breach affecting XXXX XXXX consumers coincides with the assignment date and likely contributed to reporting inaccuracies. 

The Bureaus , Inc., as a debt collector, violated FDCPA XXXX by failing to provide full debt validation ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX ) and XXXX XXXX, XXXX by engaging in misleading practices and failing to provide written assignment notice ( XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX  XXXX ). Pursuing this debt beyond XXXX five-year statute of limitations ( XXXX XXXX XXXX XXXX ( XXXX ) ( b ) ) constitutes a violation of XXXX XXXX. No original contract, assignment proof, or itemized statement has been provided. 

TransUnion and Experian violated XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) by failing to complete reinvestigations within 30 days and XXXX U.S.C. XXXX ( b ) by failing to maintain reasonable procedures for accuracy, resulting in conflicting balances and inconsistent personal information. Both have prior data breaches ( XXXX  XXXX, XXXX  XXXX ) increasing the risk of mixed-file reporting. Their actions constitute willful noncompliance under XXXX U.S.C. XXXX. 

I invoke XXXX XXXX to reserve all rights, and note the debt is governed by UCC XXXX XXXX accord and satisfaction ) and UCC XXXX et seq XXXX ( requiring proof of perfected security interest or assignment ). 

I demand a full reinvestigation under XXXX U.S.C. XXXX, complete debt validation under XXXX U.S.C. XXXX, permanent deletion of the tradeline if unverifiable, correction of all inconsistent personal data, and recovery of statutory, actual, and punitive damages under XXXX U.S.C. XXXX. Failure to comply within XXXX  days will constitute a willful violation, subjecting the parties to further liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
No notice of collections account was given after request and is required under the FDCPA rule XXXX. Under XXXX U.S.C. XXXX, also in violation of the re-aging rule since they reported a newer date of delinquency on old account

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
b'On  10/05/25 I made a purchase at XXXX  here in XXXX XXXX, CA. My  purchase was made on there Kiosk.  I was over charged and took my complaint to XXXX  Customer Service. I was unable to have them correct the problem. upon returning home I contacted my bank Wells Fargo at XXXX XXXX via cellphone. I spoke to a female boiler room employee who did not address my complaint . She appeared to be reading a company script about how my complaint would be handled. She did not honor my request to dispute a charge on my checking account in reference to the transaction at XXXX  on XXXX. In fact after repeatly trying to follow up or update with Wells Fargo they hanged up the phone.'

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX  handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle a numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The XXXX  findings indicated that Zelle has not only neglected to protect consumers but also has allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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 2025-10-07 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am submitting this formal complaint against APPLE CARD/GS BANK USA for continuing to report false, incomplete, and unverifiable information on my credit report. Despite my prior disputes and written requests for reinvestigation, APPLE CARD/GS BANK USA has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX and XXXX, and the California Consumer XXXX Reporting Agencies Act ( CCCRAA ), Cal. XXXX. Code XXXX. The account in question, APPLE CARD/GS BANK USA XXXX Account No. XXXX, Date Opened : XX/XX/year>, Balance : {$3300.00} ), has been incorrectly reported as a charge-off despite being paid and settled prior to any valid charge-off status. This inaccurate and misleading reporting has directly harmed my credit profile and constitutes willful negligence and disregard for my consumer rights. 

Under FCRA XXXX ( a ) ( XXXX ) ( A ) and California XXXX XXXX XXXX ( a ), furnishers of information are prohibited from reporting data they know or have reasonable cause to believe is inaccurate. By continuing to furnish a false charge-off status after receiving notice of dispute, APPLE CARD/GS BANK USA has violated both federal and state reporting laws, as well as FCRA XXXX ( b ) ( XXXX ), which requires the furnisher to conduct a reasonable reinvestigation upon receiving notice from a credit reporting agency. Furthermore, this account remains inaccurately reported to XXXX, XXXX, and XXXX, in clear violation of XXXX. XXXX. Code XXXX ( b ). The ongoing presence of this misinformation has negatively impacted my credit standing and financial opportunities, constituting a direct injury under FCRA XXXX. 

Additionally, APPLE CARD/GS BANK XXXX refusal to correct or delete the inaccurate charge-off status violates California Business & Professions Code XXXX, which prohibits unfair and deceptive business practices that result in consumer harm. Furnishers have an affirmative duty under FCRA XXXX ( a ) ( XXXX ) and XXXX XXXX compliance standards to ensure that all information reported is accurate, verifiable, and complete. The failure to update or remove this erroneous charge-off notation, despite evidence to the contrary, demonstrates a reckless disregard for legal obligations and my right to a fair and accurate credit record under both XXXX Federal XXXX Protection Law and California XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PR

Complaint narrative:
Subject : Improper Handling of Forbearance Removal Request Aidvantage I am filing this complaint regarding Aidvantages repeated failure to properly process my request to be removed from forbearance, resulting in unnecessary interest charges, inconsistent information from representatives, and lack of supervisory assistance despite multiple calls and follow-ups. 

Below is a detailed timeline of my communications with Aidvantage representatives : Timeline of Communications with Aidvantage Regarding Forbearance Removal : XX/XX/year> ( Two Calls, Total : XXXX Minutes ) I contacted Aidvantage to request that my loans be removed from forbearance. 

XX/XX/year> ( XXXX Call ) During this call, I was informed for the first time that my request to be taken off forbearance required a supervisors authorization. This requirement had not been previously disclosed to me. 

XX/XX/year> ( XXXX Call ) I made a follow-up call to check the status of my request to be removed from forbearance. 

XX/XX/year> ( XXXX Call ) I called again to inquire about a notice stating that I was being charged {$1500.00} in interest, despite having made approximately {$7000.00} in payments while in forbearance. 
The representative explained how interest was accruing on each account and confirmed that my current monthly payment was {$520.00}. I was told I would receive a written breakdown of the charges. ( This letter was never sent to me ). 
Additionally, I was notified online that my forbearance was scheduled to end on XX/XX/year>. 

XX/XX/year> ( Call with XXXX XXXX ) Upon reviewing my account, I noticed it still showed an active forbearance. I called again and was informed that although I had been removed from forbearance, the agent had failed to apply the proper code to finalize the removal. I was told the issue would be resolved by XX/XX/year>. By that date I was supposed to be removed from forbearance. 

XX/XX/year> ( XXXX Call ) When I accessed my account, it showed that the forbearance removal date had been changed to XX/XX/year>, contrary to what the previous representative had stated. I called and spent XXXX minutes on hold waiting for a supervisor, but was eventually disconnected after being transferred to a satisfaction survey. 

XX/XX/year> ( Call from XXXX XXXX XXXX XXXX. ) When I accessed my account, it showed I'm still in forbearance. I called to speak with a supervisor, but none were available. I was told a supervisor would reach out. I spoke with XXXX, who stated that email communication was not an available option for assistance. She said that I'd get a call from a supervisor at some point, that they closed at XXXX XXXX ( est ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: WA

Complaint narrative:
on XX/XX/XXXX I received an XXXX deposit the following day. They closed out the account even though they were supposed to send the funds straight back to Social Security. They did not theyre trying to say that they sent me a check which they cant do trying to tell me, I will not receive it till the end of the month. They did not tell me that they were in a close out the account so I came into the bank to do a bank withdrawal, and then it took them an hour to figure out where they put the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: CA

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit card account opened at XXXX on XX/XX/year> account number XXXX Credit card account opened at XXXX on XX/XX/year> account number XXXX Credit card account opened at XXXX XXXX XX/XX/year> account number XXXX, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within XXXX ( XXXX ) calendar 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit card account opened at XXXX on XX/XX/year> account number XXXX Credit card account opened at XXXX on XX/XX/year> account number XXXX Credit card account opened at XXXX XXXX XX/XX/year> account number XXXX, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within XXXX ( XXXX ) calendar days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
In XXXX during covid, 90 days were posted late and I have been disputing since but in XXXX all of my student loans were XXXX and I was notified by XXXX that any derogatory should be removed due to the discharge. Now it's 6 years later, status has not been updated on my report and I need help desperately with my credit, even more now since my mother has passed and I have taken over her home. Especially since I was told they would be removed with the discharge. I have spoken to XXXX and XXXX and all of the credit bureaus. Each loan is individual so it is 26 times late on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
In XXXX during covid, 90 days were posted late and I have been disputing since but in XXXX all of my student loans were discharged and I was notified by XXXX that any derogatory should be removed due to the discharge. Now it's 6 years later, status has not been updated on my report and I need help desperately with my credit, even more now since my mother has passed and I have taken over her home. Especially since I was told they would be removed with the discharge. I have spoken to XXXX and Navient and all of the credit bureaus. Each loan is individual so it is XXXX times late on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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