vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
b'SUMMARY OF VIOLATIONS AND DEMAND FOR RELIEF This is a formal complaint and notice of intent to escalate pursuant to the Fair Credit Reporting Act (15\nU.S.C.  1681 et seq.), the Fair Debt Collection Practices Act (15 U.S.C.  1692 et seq.), the Family Educational Rights and Privacy Act (20 U.S.C.  1232g), and the Gramm-Leach-Bliley Act (15 U.S.C. 88\n6801-6827). I, the undersigned consumer, am demanding IMMEDIATE DELETION of all student loan tradelines reported by [Student Loan Servicer], as the accounts are: * Legally unverifiable: No contract or promissory note has been furnished showing legal standing or assignment. * Servicer-only debt: The alleged servicer is not a lender, creditor, nor legal assignee  and thus lacks standing to report or collect.\n* Riddled with inaccuracies: The student loan accounts are reporting outdated, false, or materially misleading data in violation of 15 U.S.C.  1681s-2(b). * In violation of FERPA: Student loan servicers) and CRAs are illegally sharing protected educational records and personal identifiers without prior written consent, contrary to 20 U.S.C.  1232g(b)(1). * Failure to conduct lawful investigation: Prior disputes have resulted in form-letter responses that fail to meet the procedural and evidentiary standards set forth in 15 U.S.C.  1681i and 15 U.S.C.  1681s-2(a)(1)(A). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX(2 accounts XXXX  (2 accounts US DEPT (6 accounts listed XXXX  (6 accounts'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 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

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 2025-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Arivo Acceptance, LLC
State: AL

Complaint narrative:
Arivo LLC did not have permission to debit my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the following items appearing on my TransUnion credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request a reasonable reinvestigation of each account listed below and deletion of any item that can not be verified with complete accuracy. 
XXXX. XXXX XXXX XXXX XXXX : Installment Loan ( reported as charge-off/collection ) Balance : {$2400.00} Date Last Reported : XX/XX/year> Issue : The account is being reported as a charge-off, but no Form 1099-C was issued and the balance remains listed post charge-off. This is inconsistent with Metro 2 standards and constitutes inaccurate reporting under 15 U.S.C. 1681s-2 ( b ) and 1681i ( a ) ( 1 ) ( A ). 
XXXX. XXXX Type : Secured Credit Card Balance : {$30.00} | Past Due : {$25.00} Status : Late 3060 Days Issue : Dates and late status differ across bureaus ; TransUnion shows a 60-day late while Experian reports 30-day late . This inconsistency violates the FCRAs maximum possible accuracy standard ( 607 ( b ) ). 
XXXX. XXXX XXXX Type : Secured Loan Balance : {$150.00} | Past Due : {$50.00} Status : 30 Days Late Issue : Payment history reflects a delinquency in XX/XX/year>, though payments were made within the billing cycle. Please verify the actual posting date against my payment receipts.

Please reinvestigate these entries within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). If verification can not be obtained, delete each inaccurate or unverifiable item.

Provide me a written description of your reinvestigation procedures, including the name, address, and phone number of any furnisher contacted, as required under 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2025-10-29 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: NY

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 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 2025-10-29 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: NY

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 2025-10-29 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: NC

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 2025-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: CO

Complaint narrative:
I. CFPB Complaint : " What happened? '' ( Narrative Text ) You should select " I consent to publishing this description on consumerfinance.gov '' to increase public pressure on CRI. 

XXXX XXXX : Central Research , Inc. ( CRI ) ACCOUNT : XXXX I am filing this complaint against Central Research , Inc. ( CRI ), an Official Servicer of Federal Student Aid, for a documented failure to properly service my Parent PLUS Loan during a servicer transfer, resulting in inaccurate loan terms and severe credit damage. 

Binding Loan Term Ignored : The previous servicer, XXXX, approved a binding Parent PLUS Deferment with a Next Payment Due Date of XX/XX/XXXX ( see attached XXXX letter, XX/XX/XXXX ). This was the legally established term for my loan. 

Servicer Data Corruption and Breach : Upon transfer in XX/XX/XXXX, CRI failed to load this binding status, violating federal guidelines that require loan status information to transfer seamlessly. CRI instead used an incorrect XXXX end date, triggering a false repayment cycle. This error resulted in the furnishing of a factually inaccurate 90-day delinquency to all three credit bureaus in XX/XX/XXXX ( see attached XX/XX/XXXX credit reports ). 

Servicer Refusal to Investigate : I submitted a formal, certified FCRA dispute ( QWR ) on XX/XX/XXXX, attaching irrefutable proof ( the XXXX XX/XX/XXXX letter ). CRI formally rejected this dispute in a letter dated XX/XX/XXXX ( attached ), stating the request was " incomplete, invalid, or a goodwill * request. '' CRI 's use of this evasive language demonstrates a refusal to investigate a clear factual error concerning federally owned loan terms. 

Imminent Financial Harm : Despite CRIs documented knowledge of this error, my account remains uncorrected. CRI is scheduled to improperly capitalize {$660.00} of accrued interest on XX/XX/XXXX ( see attached XX/XX/XXXX notice ). This capitalization is based on their incorrect loan terms and will increase the total cost of my loan, necessitating immediate federal intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
TransUnion allowed a collection account from XXXX XXXX ( Account Number : XXXX ) ( Original Creditor : XXXXXXXX XXXX XXXX  to appear on my credit report without verifying it with me. I never authorized or gave written consent for this to be added, and yet its there, damaging my credit. Despite requesting validation from the collection agency through a CFPB complaint on XX/XX/year>, Ive received no documentationno signed contract, no breakdown of the alleged balance, and no proof of ownership or legal right to collect. This is a direct violation of 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, which requires proper verification when requested. Additionally, I never had a real opportunity to dispute this account, violating 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Yet, TransUnion continues to report this account as accurate, which is not only unfair but illegal under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) of the FCRA. How can I trust TransUnion 's reporting when this same account isnt reported by XXXX XXXX XXXX  The inconsistency in reporting across CRAs is a clear violation of the maximum possible accuracy requirement under 15 U.S.C. 1681e ( b ), and this inaccurate reporting is causing unnecessary harm. At this point, I demand the permanent removal of this account from my TransUnion credit file. It was reported without consent, verification, and in violation of proper procedures, causing unnecessary damage. TransUnion needs to be held accountable for this mistake, which should have been avoided if they followed the law.

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 2025-10-29 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: NC

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 2025-10-29 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
My existing complaint ( CFPB Complaint # XXXX ) concerns materially inaccurate furnishing by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) about an installment account ( Account ending XXXX, opened XX/XX/XXXX ). XXXX XX/XX/XXXX response letter admits it furnished delinquency data to XXXX  and confirms a transfer/sale on XX/XX/XXXX. 

Equifax currently lists the tradeline as Account closed ; was 6089 days past due, Date of First Delinquency XX/XX/XXXX, and High Balance {$1500.00}, but XXXX XXXX claims a different pre-transfer amount ( {$2400.00} ) and even describes a non-existent delinquency bucket ( 3050 days ). TransUnion shows conflicting buckets ( single XXXX entry ). Those contradictions and the furnishers own admission make the Equifax tradeline unverifiable and inaccurate. 

I request immediate action under FCRA 1681i and related Metro 2 accuracy rules : Immediately suppress/remove the Equifax tradeline for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  pending full documentary verification do not allow this item to be used in credit decisions while under reinvestigation. 

Require XXXX XXXXo produce full documentary proof of every Metro 2 field it furnished for each monthly report ( payment-rating/payment-history profile, Status code, Special Comment, DOFD with furnishing date, Current Balance, Amount Past Due ), and provide copies of the ACDV/AUD logs showing what was sent to Equifax and XXXX 

Require XXXX to provide chain-of-custody / transfer documentation proving the loan transfer/sale to XXXX XXXX XXXX ( closing/assignment paperwork ) and the date the transfer was furnished to Equifax. 

If XXXX can not provide complete documentary verification, delete the tradeline from Equifax and confirm deletion in writing. 

Provide contact info for any insurer/errors-and-omissions policy that would cover consumer damages and provide a response regarding compensatory damages for the XXXX XXXX denial on XX/XX/XXXX which caused a measurable financial loss ( approx. {$80000.00} in equity / financing ). 

Attached : Equifax credit-report pages showing the tradeline, XXXX XXXX XXXX, XXXX response letter, XXXXXXXX XXXX denial letter, CFPB complaint confirmation, and XXXX pages for comparison. I request a written response that identifies the specific proof XXXX supplied ( or fails to supply ) and confirm suppression/deletion actions within 30 days as required by FCRA 1681i.

Please confirm that this complaint has been assigned to Equifaxs compliance department and provide the name or department contact handling the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CO

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 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 2025-10-29 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: CO

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 non-monetary relief
Consumer complaint received 2025-10-29 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: Experian Information Solutions Inc.
State: TX

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 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