vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this complaint because Equifax continues to report multiple inaccurate and unauthorized items on my credit report even after I disputed them previously. Equifax still lists wrong addresses such as XXXX XXXX, XXXX XXXX, LA XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX, which do not belong to me. Equifax is also reporting several charge-off and collection accounts that I have no knowledge of, 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 I never opened or authorized any of these accounts, yet Equifax continues reporting them without proper verification. 

Equifax is also reporting several accounts with false late-payment histories, including XXXXXXXX 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  and multiple entries under XXXX XXXX XXXX XXXX  I have never made any late payments to any of these creditors, and the negative reporting is incorrect. Equifax has also failed to remove an unauthorized inquiry from XXXX  XXXX dated XX/XX/2023, which I did not approve. 

Despite my earlier dispute, Equifax did not properly investigate and continues to report these fraudulent, inaccurate, and harmful entries. Their failure to correct these issues is negatively affecting my credit scores, financial opportunities, and overall creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I discovered multiple hard inquiries on my credit report that I did not authorize and for which I never applied. These inquiries do not meet the FCRAs requirement that a user have a permissible purpose to pull a consumer report ( 15 U.S.C. 1681b ). I disputed the inquiries with the credit reporting agency and requested reinvestigation under 15 U.S.C. 1681i, but the inquiries remain on my file. I am asking the CFPB to investigate and require the XXXX XXXX XXXX to remove all unauthorized inquiries and confirm in writing that my file XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NV

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
In the Spring of XXXX, I withdrew from my classes at Missouri University. This resulted in my {$10000.00} loan being recalled. On XX/XX/XXXX, I received correspondence about my withdrawing and the need for a return of funds calculation to be performed. On XX/XX/XXXX, Missouri informed me that the return of title iv funds process ( XXXX ) had been completed. My entire loan was returned to my bursar account at this time. On XX/XX/XXXX, I received correspondence from Missouri, demanding immediately payment. At this time, Missouri ensured me that the loan would be removed from XXXX website ( since it had been returned to my bursar account ). XXXX told me that this process takes time, and that Missouri was correct the loan would be removed from XXXX within the next few weeks. 

Unfortunately, that never happened. In XXXX of XXXX, I paid off my bursar account. Therefore, my returned loan was paid off. Despite this payment, XXXX never took the loan down from their system. In gist, I was being told to pay twice for the same loan - once to the university and once to XXXX. I fought this for months, supplying XXXX with every bit of information I could. 

Missouri swore that they had done everything right and that XXXX was to blame. At the same time, XXXX stated that Missouri did not remove the loan properly, and that Missouri was to blame. 

In XXXX of XXXX, I reached out to the Ombudsman group ( case XXXX ), asking for the loan to be removed from XXXX as it was already paid in full to Missouri. The response I got was unhelpful. Instead of removing the loan, I was told XXXX sorry XXXX  unhappy with XXXX, well move you to AidVantage. So after an entire year of fighting this with XXXX, I had to start the process over. 

I fought it with AidVantage by opening a special case. Nearly XXXX  months later, AidVantage denied my request and said it wasnt their fault and the loan was legit. Despite me providing an abundance of information. In their response, they recommended that I file a loan discharge application. 

I filed this application as requested. Once again, I was denied. At this point, I dont know what to do. I should NOT owe money for a loan that was already paid off. This loan is illegitimate and should not exist whatsoever. If you look at my awarded financial aid from Missouri for XXXX of XXXX, there is NOTHING awarded outside of a teach XXXX. 

If I was not awarded a {$10000.00} loan for spring XXXX ( according to Missouri ), why is there a loan under my name?? 

Please fix this. I beg you. Ive been fighting this for XXXX years and I dont know what to do. 

PLEASE LET ME KNOW WHAT DOCUMENTATION YOU NEED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
I am demanding an immediate investigation into Harley-Davidson Financial Services for fraudulent billing, consumer harassment, and false credit reporting in violation of multiple federal laws. 

My monthly payment is approximately {$510.00}. I made my last on-time payment of {$560.00} on XX/XX/year>, yet this month I was shocked to see a balance of {$1000.00} more than double my regular payment. This is not just fees this is unexplained, unauthorized extra billing that I was never notified about, and no one at XXXX could provide a proper explanation or resolution. 

While trying to resolve this, Harley-Davidson Financial Services has called me over XXXX  times in a single month, despite the fact that I made my last payment early and was not late. These calls are clearly excessive, unwanted, and harassing. 

To make matters worse, XXXX months ago, they falsely reported my account as delinquent to the credit bureaus. After I filed a dispute, they admitted the reporting was their mistake, yet never sent a correction to the credit bureaus, and I was left with a XXXX XXXX drop and financial harm. 

These actions violate multiple federal protections, including : Fair Credit Billing Act ( XXXX ) for unlawful billing, failure to explain or notify, and mishandling of payments Fair Credit Reporting Act ( FCRA ) for false credit reporting and failure to correct their admitted error Telephone Consumer Protection Act ( TCPA ) for excessive, automated, or harassing calls Fair Debt Collection Practices Act ( FDCPA ) if any third-party collector was used or if threats were made Dodd-Frank Act ( UDAAP provisions ) for engaging in unfair, deceptive, and abusive financial practices I am requesting the following : A full internal investigation into the billing and account handling errors Immediate reversal of the extra charges and improper balance Confirmation that all false credit reporting has been corrected with the credit bureaus Cease-and-desist all phone harassment Consideration of financial compensation for the damage caused My account number is XXXX. I have attached proof of my on-time payments, current inflated balance, and will provide call logs and credit evidence upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
Receivable Management Services is reporting a {$220.00} collection account for XXXX XXXX. This debt is not valid. When my XXXX policy was moved out of my name and into my boyfriends name, the remaining balance on the policy was supposed to transfer with it. XXXX did not transfer the balance correctly, and the amount was mistakenly left assigned to me. 

When I later renewed my own XXXX policy ( adding an additional vehicle ), XXXX informed me of the old balance. I explained the prior transfer error, and XXXX reviewed the situation and agreed that the balance had been placed in collections incorrectly. I paid the balance directly to XXXX at the time of my renewal, and XXXX told me they would recall the collection account from Receivable Management Services.

Despite this, Receivable Management Services continues to report the collection across multiple credit bureaus. The reporting is inconsistent across bureaus ( paid, payment after charge-off, and collection/insurance claim ). The balance was already resolved directly with XXXX, and XXXX confirmed they would retract the collection account. 

I did not receive proper written validation from Receivable Management Services, and the collection should have been removed upon recall. Because the original creditor has acknowledged the placement was in error and the balance has been paid, the continued reporting by Receivable Management Services is inaccurate and misleading. I dispute this collection in full and request CFPB assistance.

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 2025-11-26 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: SC

Complaint narrative:
XXXX  verified disputed accounts without providing evidence, documentation, or identifying the method of verification. Equifax continues to report multiple outdated, inaccurate, duplicate, and unverified accounts. Both XXXX XXXX XXXX and XXXX XXXX XXXX to provide legally required documentation supporting their reporting. These actions violate FCRA 609, 611, and 623, among others. 
RE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date : XX/XX/XXXX, XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically XXXX years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA. 

Furthermore, the XXXX requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score. 





I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and XXXX from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
I am writing to dispute a collection account on my credit report.The collection is listed without a full account number, which makes it impossible for me to verify it's validity or confirm it belongs to XXXXTo assist I ask that you review the payment history. Please conduct a thorough investigation and respectfully provide me with the following ; XXXX. Verification that I am the person who is legally obligated to pay this alleged debt.XXXX.A complete and itemized accounting of this alleged debt, including the original principal, all interest fees, charges added, dates and the amounts applied. XXXX. The name and address of the original creditor, along with the original account number. The date this account went into collection. Proof that the alleged debt was transferred, assigned or sold to your agency. XXXX. Proof of your authorization to collect this debt in my state, including your state license number.Plus name of licensing authority. XXXX. A copy of the assignment contract or agreement bearing my signature that created the alleged obligation. Under 15 U.S.C subsection 1692 ( g ) you must cease All collection and reporting until the requested validation is provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I dont understand where my savings account went missing funds of XXXX was taking out of my account

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 2025-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX claimed they responded to my case on XX/XX/XXXX. My case was filed after that date. I was charged erroneous fees by Comenity bank in the month of XXXX ( as well as XXXX and XXXX ). I filed my complaint after XX/XX/XXXX for another late fee that was charged to me. I paid my late fees that they're claiming they waived. My bank account was still charged. This is fee XXXX XXXX and month XXXX XXXX  on this issue. I have been trying to resolve this for XXXX  months and still have no explanation. Comenity preys on customers, as corroborated by all online reviews. Their abusive behavior is somehow overlooked by CFPB. CFPB needs to intervene and protect the public. I have tried resolving it with them, they claimed to waive a fee, then charged me more, multiple times. They have lied about the timeline. Please review all evidence attached. In the month on XXXX I was charged again. I sit here XXXX  months later still with no explanation, ignored by the company. They continue to prematurely close my cases with no explanation or resolution. I will continue on my part to defend myself. I have been charged almost {$100.00} in erroneous fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 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: NV

Complaint narrative:
I have contacted the credit bureau 's relating to the acount on my credit report.the creditor verified as accurate this acount is still showing on my credit reports the acount from creditor is reporting this acount with an address that has already been removed from my credit reports due to my fraud alerts on my credit reports the credit bureaus need to remove this account from my reports giving they are reporting this account under the fraud address that was removed from my reports this account is from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NV

Complaint narrative:
I have contacted the credit bureau 's relating to the acount on my credit report.the creditor verified as accurate this acount is still showing on my credit reports the acount from creditor is reporting this acount with an address that has already been removed from my credit reports due to my fraud alerts on my credit reports the credit bureaus need to remove this account from my reports giving they are reporting this account under the fraud address that was removed from my reports this account is from 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