vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: AL

Complaint narrative:
Complaint Narrative I am submitting this complaint to formally report misrepresentation, improper servicing, and harmful data practices by XXXX  related to my student loans. 

XXXX has misrepresented the nature, status, and terms of my student loans, including but not limited to repayment options, eligibility for relief programs, and the accuracy of loan balances and reporting. As a result of these actions, I have suffered financial harm, credit damage, and emotional distress. 

Additionally, XXXX  has shared inaccurate and misleading information about my student loans with third parties, including credit reporting agencies, which has negatively impacted my credit profile. Despite my attempts to obtain clarity and correction, XXXX  failed to provide transparent, consistent, or truthful information regarding my loans. 

XXXX is currently the subject of state and federal enforcement actions and lawsuits related to deceptive practices and borrower misrepresentation. Based on my experience, I believe my situation falls squarely within the same pattern of misconduct, including steering borrowers into unfavorable outcomes and failing to act in the borrowers best interest. 

XXXX  conduct constitutes : Material misrepresentation of loan terms and borrower options Failure to properly inform me of relief, discharge, or forgiveness eligibility Inaccurate credit reporting and data sharing Unfair, deceptive, and abusive acts or practices ( UDAAP ) These actions have caused ongoing financial hardship and denied me the opportunity to make informed decisions regarding my student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

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 2025-12-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: MA

Complaint narrative:
I am filing a complaint against MRS BPO , LLC regarding a debt collection account they are reporting on my credit file. 

I spoke with MRS BPO , LLC by phone on XX/XX/year> at XXXX AM and disputed the debt. During that call, a representative admitted that no written debt validation notice was ever sent to me. 

I then disputed the debt again in writing by email on XX/XX/year> at XXXX AM. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and Massachusetts regulation 940 CMR 7.08, the collector was required to cease collection activity and credit reporting until proper validation was provided. 

Despite this, MRS BPO , LLC continues to report this account to the credit bureaus. I am requesting deletion of the account and corrective action due to ongoing non-compliance with federal and Massachusetts law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding an issue I am having with XXXX, XXXX. I have previously contacted XXXX directly but have not received a satisfactory resolution. 

The issue involves my XXXX account, which was paid in full. Despite the fact that I fully satisfied my balance, XXXX has reported a charge-off of {$90.00} on my account. This charge-off is inaccurate, as I have no remaining balance. I am requesting that XXXX update my account to reflect that the debt was paid in full and remove the charge-off notation. 

I have attached supporting documentation, including payment confirmation and my account statement, to help clarify the issue. Unfortunately, despite my attempts to resolve this matter directly with XXXX, they have not provided a clear explanation or corrected the erroneous charge-off. 

I am requesting that the Consumer Financial Protection Bureau intervene to help resolve this issue and ensure that XXXX  updates my account accurately. 

Thank you for your attention to this matter.

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 2025-12-21 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: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-12-22 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: PA

Complaint narrative:
I am submitting this letter as my second formal dispute concerning multiple inaccuracies that continue to appear on my credit reports across Experian, Equifax, and TransUnion. Despite my previous dispute submissions and the supporting documentation I provided, several accounts are still being reported inconsistently and inaccurately, causing significant misrepresentation of my true credit history, adversely affecting my creditworthiness, and potentially impacting my ability to obtain credit on fair terms. I am requesting a comprehensive reinvestigation, correction, and update of all disputed items under the Fair Credit Reporting Act ( FCRA ) including 15 U.S. Code 1666 regarding the correction of billing errors, 1666a concerning creditor restrictions during a dispute, 611 ( 15 U.S.C. 1681i ) for disputing inaccurate information with credit bureaus, 623 ( a ) ( 2 ) obligating furnishers to correct and update information, 605 ( a ) relating to obsolete information, and 609 ( 15 U.S.C. 1681g ) which ensures my right to full disclosure. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$630.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Creditor : Indigo Mastercard XXXX XXXX XXXX XXXX XXXX Issuing Bank : XXXX XXXX XXXX : XXXX XXXX Account : Indigo Mastercard ending in XXXX For XXXX and XXXX, the minimum monthly payments on this account were made timely and accepted. There were duplicate secondary payments attempted each month, separate from the required minimums. Those duplicate secondary payments were returned by XXXX XXXX, but the original required payments were fully satisfied. 

Despite this, XXXX closed the account and reported it as closed by credit grantor, which is now negatively impacting my credit. They justified the closure strictly based on the returned secondary duplicate payments, not delinquency or nonpayment. 

I received no adverse action notice by mail or electronically. I am enrolled in paperless statements and there was no notice posted in my online account, no message, no letter, and no indication of closure. The account displayed as current and in good standing, and I have screenshots documenting this. 

I received no adverse action notice by mail or electronically. The account displayed as current and in good standing, and I have screenshots documenting this. 

The only reason I discovered the closure was when my card declined at checkout. When I called to question this, the representative stated the account was already reported closed to the credit bureaus. Immediately after the call, my online account access and all account information were removed, making it impossible to view historical account information. 

This appears to violate Regulation Z / Truth in Lending and Regulation B ( ECOA ) adverse action notice requirements. It also appears to constitute unfair and deceptive practices ( UDAAP ) by representing the account as current, failing to provide timely notice, and then removing access to account records after the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Right before XXXX I got a scale call from what I thought was XXXX  they told me my account was compromised and I needed to move my money from my savings to my checking as I did so all my money was drained from my Wells Fargo into my XXXX XXXX and to a merchant called home soul I tried numerous times with Wells Fargo and XXXX XXXX to get this resolved Wells Fargo credited me my money and is now trying to take it back I need help because I cant afford to loose XXXX this is my money and Ive tried on numerous occasions to resolve this even calling when the payment was still pending nobody is taking me serious I need help

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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
At XXXX I stated in cashapp support XXXX XXXX is locked due to repeated identity verification failures. I am requesting a manual review or clarification on what specific information is preventing verification. I am not attempting to open a new account. I only want access to XXXX I already own. 

XXXX Replies at XXXX saying know this is frustratingwhen identity checks dont pass, XXXX  access can be restricted until verification is successful. 

I replied back XXXX XXXXXXXX to XXXX  stating My account is stuck in a failed identity verification loop. The app immediately shows Couldnt verify your identity with no retry path. I am requesting a manual compliance review so I can access XXXX I already own. 

XXXX replies XXXX XXXXXXXX Im sorry youre stuck in that loopI know how urgent it is to access your XXXX. While I cant initiate a manual review from here, we can often restore the retry path by refreshing your verification entry point and resubmitting clean documents. 

I replied and stated XXXX XXXXXXXX Ive already re-submitted clean documents multiple times and the app immediately returns to the Couldnt verify your identity screen with no retry path. There is no functional entry point to refresh on my end. 

Since automated verification is failing, Im requesting this be escalated to the Compliance / Identity team for a manual review, or guidance on how my bitcoin can be released if verification can not be completed. 


XXXX Replies back XXXX XXXXXXXX XXXX sorry this has been such a loopthank you for sticking with it. I cant start a manual review from here, but I can help you retry through the inapp paths that usually restore access when the retry button isnt showing. 

I replied back stating XXXX XXXXXXXX pm I understand the retry steps, but Ive already completed all in-app paths multiple times and the issue persists. The verification flow immediately returns to Couldnt verify your identity with no functional retry option. 

At this point, automated verification is not working. Please escalate this case to the Compliance / Identity team for review, or advise on the process to release or liquidate the bitcoin if verification can not be completed. 

XXXX replies back XXXX XXXXXXXX Im sorry youre still stuck in that loopI know its stressful not being able to access your bitcoin. While I cant initiate a manual review from here, the only way to unlock XXXX features is to successfully complete identity verification inapp. Since the flow isnt presenting a retry, heres the most reliable path that helps restore it I replied back XXXX XXXX XXXX  stating If escalation is not possible, please document that automated verification has permanently failed on this account and advise next steps under Cash Apps compliance policy regarding access to customer-owned digital assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: AR

Complaint narrative:
I do not recognize this account, and it has been reported incorrectly on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
I am filing this complaint because Bank of America denied my credit card dispute based on a factual error. The bank concluded the merchant was " willing and able to provide the service. '' The documentary evidence proves the opposite : the merchant disabled my access and never restored it. 

Dispute Details : Claim Number : XXXX Transaction Date : XX/XX/year> Merchant : XXXX XXXX XXXX ( XXXX XXXX ) Original Charge : {$7800.00} Disputed Amount : {$6500.00} ( XXXX months of undelivered services ) Reason Code : XXXX XXXXXXXX Services Not Provided Timeline of Events : XXXX. XX/XX/year> : I purchased a XXXX XXXXXXXX program for {$7800.00}. 
XXXX. XX/XX/year> : I contacted the merchant about pausing the program. The merchant responded in writing : " We can definitely pause your bootcamp till you're ready. Would you like me to reach out to the team here to let them know? '' XXXX. XX/XX/year> : I confirmed in writing : " Sure I would like to put a pause on the boot camp right now please. '' 4. Following this exchange, the merchant disabled my platform access. The platform now displays : " Oops. Doesn't look like you have access to this course right now. Contact us at XXXX and we can help restore access. '' 5. The remaining XXXX months of services were never delivered. Access was never restored. The contracted service period expired. 

Why Bank of America 's Decision Is Wrong : Bank of America stated the merchant was " willing and able '' to provide services. This is factually incorrect : 1. The merchant offered and confirmed a pause in writing 2. The merchant disabled my platform access 3. The platform itself shows I have no access 4. The merchant never restored access or delivered the remaining XXXX months of services " Willing and able '' is irrelevant when access was actually XXXX and services were never delivered. Under XXXX XXXX XXXX XXXXXXXX, the cardholder is entitled to a chargeback when services paid for were not provided. XXXX months of services were paid for and not provided. 
I requested copies of the documents Bank of America used to make their decision. They provided only a denial letter with a conclusion but did not provide the actual merchant evidence they claimed to have reviewed. 

Requested Resolution : I am requesting a credit of {$6500.00} representing the XXXX months of services that were paid for but never delivered. I am not disputing the first month, which I received.

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 2025-12-21 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: IN

Complaint narrative:
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report along with the required proof of identity, consumer reporting agencies are legally required to block the reporting of the disputed accounts within four ( 4 ) business days. This statutory obligation is mandatory, not discretionary, and does not permit delay, reinvestigation, or continued reporting.

The continued reporting of these accounts after receipt of proper documentation constitutes a direct and willful violation of federal law. Any failure to block the accounts as required by 15 U.S.C. 1681c-2 ( a ) ( 1 ) exposes the consumer reporting agencies to civil liability, including but not limited to actual damages, statutory damages, punitive damages, and attorneys fees under 15 U.S.C. 1681n and 1681o.

Furthermore, any reinserted or re-reported information without the strict certification required under 15 U.S.C. 1681c-2 ( a ) ( 5 ) is unlawful and prohibited. No certification that these accounts are accurate and not the result of identity theft has been provided.

The continued publication of these accounts after statutory notice has been given is reckless, unlawful, and constitutes noncompliance with the Fair Credit Reporting Act. Immediate corrective action is required to bring the consumer reporting agencies into compliance with federal law.

Account List 1. XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Bureaus Reporting : TransUnion, Experian 2. XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Bureaus Reporting : TransUnion, Equifax 3. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} Bureaus Reporting : TransUnion, Equifax 4. XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} Bureaus Reporting : TransUnion, Experian 5. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Bureaus Reporting : TransUnion, Experian, Equifax

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