vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: GA

Complaint narrative:
Subject : Complaint Inaccurate Late Payments on Closed Accounts Companies Involved and Account Numbers : - 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  Complaint Description : I am disputing the reporting of late payments on my closed accounts listed above. These late payments are inaccurate. My payments were made on time and/or within the grace period allowed. Under 15 U.S.C. 1666b ( Fair Credit Billing Act ), creditors are required to credit payments as of the date received. Reporting late payments that were not actually late is unlawful.

Despite these accounts being closed, the creditors continue to furnish inaccurate negative information to XXXX XXXX XXXX XXXX This violates the Fair Credit Reporting Act ( 15 U.S.C.

1681s-2 ( a ) ), which requires furnishers to report only accurate information.

I previously disputed this information with the credit bureaus, but the creditors have failed to provide proper validation or documentation of the alleged late payments. Since the accounts are closed, there should be no further negative activity reported, and any unverified late notations must be corrected or removed. 
I am requesting that the CFPB require the creditors and the credit bureaus to : 1. Provide documentation proving the accuracy of the reported late payments on these closed accounts ; and 2. If proper validation can not be provided, immediately delete the late payment history from my credit reports with XXXX XXXX XXXX XXXX.

This inaccurate reporting is unfairly damaging my credit and does not comply with federal law.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In XX/XX/year>, I purchased a used vehicle for around XXXX, that I financed for a rate of 6 % for XX/XX/XXXXyears. I put down about {$2000.00} cash as well. At the time of the purchase, I got an auto loan from Wells Fargo, and I was promised up and down that this was a fixed rate loan, and that my rate would not change. This was my primary reason for borrowing from Wells Fargo instead of my usual XXXX, XXXX, because they offered me a slightly lower rate ( 1 % lower ) that XXXX and promised me it was a fixed rate when I asked if it was fixed or variable. 

Fast forward to now- I've been auto-paying my loan to Wells Fargo for XXXX a year, and Friday, I wanted to check to see how much balance I have left. When I opened my bill, I was shocked to see my interest rate had been raised from 6 % to 9.09 %, and Wells Fargo had never mentioned anything to me about the rate increase ( again, I was under the impression from my loan process that this was a fixed rate ). I called XXXX, and they refused to give me any information about why or when my rate was increased, ( my XXXX XXXX is in the high XXXX or low XXXX, and has been ever since I got my loan so I know it isnt related to that ). I've also taken on no additional debts aside from a few XXXX dollars of credit card usage here and there. Then, I asked if I was able to refinance to get back down to my lower rate, to which the XXXX employee said " we do that, we dont refinance loans ''. They encouraged me to call XXXX and ask to refinance through the dealership, which I did, and the dealership said I needed to call XXXX and take it up with them, leaving me in a bind. 

I am appalled that not only was I misled in my loan application process, but that I was refused information on why my loan rate was increased and when, and that I was never notified about it ( I still have no idea when this occurred ), and then denied the ability to try to refinance my loan. This feels very predatory and unfair and illegal.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I formally disputing the validity of the following hard inquiries reported on my credit file. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681b, 1681i, and 1681s-2 ), no entity may access my credit report without my direct written consent or a permissible purpose as defined under federal law.

I request that you provide the following for each hard inquiry listed on my credit file : 1. The name, address, and contact information of the entity that accessed my report.

2. Documentation that proves I provided written authorization for the inquiry.

3. The permissible purpose under which the inquiry was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
Complaint Narrative ( paste into CFPB form ) : I am disputing an account being reported/collected by XXXX XXXX XXXX This account is inaccurate and/or unverifiable under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my written requests for validation, XXXX XXXX has not provided a signed agreement, itemized statement, or proof of ownership. Continued reporting and collection attempts are causing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: DE

Complaint narrative:
These inquiries are 2 years old why are they still reporting to my credit profile please update this!

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 2025-08-17 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: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for furnishing inaccurate information to credit reporting agencies and failing to correct a material error in a vehicle financing contract. The contract was executed under the incorrect name XXXX XXXX, which is not my legal name. I did not authorize the transaction, and the dealership added a {$1600.00} service contract without my consent. Despite multiple attempts to resolve this, XXXX XXXX continues to report this account to the credit bureaus. I am disputing a vehicle financing account reported by XXXX XXXX XXXX that was executed under the incorrect name XXXX XXXX. My legal name is XXXX XXXX, and I did not authorize or consent to this variation. The contract misrepresents my identity and was not executed in accordance with my intent to purchase the vehicle under a business entity. I have provided copy of contract, statements, and documents that prove this contract is invalid

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 2025-08-17 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: RI

Complaint narrative:
Consumer Complaint Statement XXXX XXXX XXXX XXXX vs. Experian Misreporting of as Monthly Charge-Off Summary of the Issue : I am filing this formal complaint against Experian Information Services , LLC for violating my rights under the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and the Dodd-Frank Act ( UDAAP ) by continuously and inaccurately reporting a repossessed vehicle account as a monthly Charge-Off, which misrepresents the status of the account and causes ongoing harm to my credit profile. 



Details of the Violation : The account in question is from XXXX XXXX XXXX ( Account # XXXX ), related to a vehicle repossession that occurred around XXXX XXXX, XXXX. 
Instead of accurately reporting a one-time final derogatory status, Experian continues to display a monthly charge-off pattern, which : Misleads lenders and third parties about the true nature of the account ; Illegally re-ages the tradeline and artificially extends the derogatory impact ; Violates Metro 2 compliance guidelines regarding Payment History Profile ( XXXX ), Account Status ( XXXX ), Date of First Delinquency ( XXXX XXXX ), and Date of Last Activity ( XXXX XXXX ) ; Fails to apply the required Compliance Condition Code XB during my active disputes ; Is considered deceptive and abusive under 12 U.S.C. 5531 ( XXXX ). 



Le

gal Violations Cited : FCRA 605B ( 15 U.S.C. 1681c-2 ) Right to block information resulting from inaccurate or unauthorized reporting. FCRA 623 ( a ) ( 1 ) ( A ) Prohibition against furnishing inaccurate or incomplete information. FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ) Failure to reinvestigate and correct disputed data.

Metro 2 Technical Violations Misuse of account coding after repossession.

UDAAP 12 U.S.C. 5531 Ongoing pattern of false and abusive credit reporting.

Prior Disputes : I submitted multiple written disputes directly to Experian, including documentation that the account was being misreported. Despite these efforts, Experian failed to correct the errors or conduct a reasonable reinvestigation, violating the standard set in XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) and XXXX XXXX v. Equifax ( XXXX ). 



Requested Relief : XXXX. Permanent deletion and blocking of the XXXX XXXX XXXX account ( # XXXX ) from my Experian credit report. 
XXXX. Confirmation that Experian has notified XXXX XXXX XXXX to cease furnishing incorrect data. 
3. Investigation and regulatory enforcement by the CFPB for Experians repeated failure to comply with the FCRA and Metro 2 standards.

4. Any additional relief or sanctions the Bureau deems appropriate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MT

Complaint narrative:
I attempted to use a {$100.00} prepaid XXXX gift card issued by US Bank, at a local store for approximately {$68.00} and the card was declined. So I called the XXXX ( XXXX ) XXXX number on the back of the card and had to list off not only the XXXX digit card number but also the XXXX digit barcode number on the back for confirmation. After explaining the card wouldn't work to the sales representative I was told the card account reads as inactive and I needed to go on to the website XXXX  and follow the instructions to get the card turned back on. I went to the website followed the prompts every time I would hit continue after entering information it would just say invalid entry and go back to the beginning. After several attempts I called back the XXXX ( XXXX ) number and spoke to a different representative that informed me I had to go back to the website go to the bottom of the page and click on a separate link that says card not working click here and then follow the prompts. I did that followed all the instructions which also wanted my address phone number email address went through a short picture verification and hit submit. I was immediately directed to access denied page with a prompt saying please call the XXXX number on the back of the card. Obviously this all feels like a scam that they just want you to give up and keep your money.

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 2025-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I have federal Student loans through Aidvantage and I have two problems with the Company and how it is operating. 

XXXX. I have tried to call 3-4 times trying to take my loans out of forbearance so I can set up autopay. Each time the customer service representative says that they are going to figure out to how to switch my loans out of forbearance and they put me on hold - then they hang up after XXXX minutes while I am on hold. So I am essentially locked into a financial situation that I can not change XXXX. I have tried to submit my payments twice now and each time they were sent back. The transaction details are laid out below. Each time I didn't pay I was then accrued interest. I have checked my acccount / routing numbers and they are correct for the withdrawal. Essentially not letting me pay a loan I am accruing interest on. -- Note I am using XXXX banking XX/XX/year> Payment Reversal {$230.00} {$17.00} {$0.00} {$250.00} XX/XX/year> Payment - {$230.00} - {$17.00} {$0.00} - {$250.00} XX/XX/year> Payment Reversal {$210.00} {$46.00} {$0.00} {$260.00} XX/XX/year> Payment - {$210.00} - {$46.00} {$0.00} - {$260.00} All I would like to do is pay my student loans- thats all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
Letter sent to my daughter 's address claiming address is mine and I have a case filed against me- XXXX does not deliver mail to her address needs to be set to a XXXX XXXX XXXX XXXX does not deliver mail to actual address. I do not know what this is for. 
Would like to see a contract signed by me taking responsibility for what the debt is for. 


Letter sent XX/XX/year> from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Please remove XXXX XXXX acceptance inquiry they are over XXXX XXXX XXXX!! Thats crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/year> an aquaintant of mine owed me {$75.00} and for reasons I don't know this individual sent me {$99.00} and requested the change back. This threw up a red flag but I just assumed they was honest when they explained they didn't mean to send {$99.00}. So I kept the {$75.00} they owed me and sent the {$24.00} bucks that remained back. This was all done using cash app and I didn't ever think much about it. Then when I paid my bills the other day I discovered that I suddenly didn't have all the funds I left in there to pay my insurance and car payment. Then I see that cash app issued a {$99.00} refund from the XX/XX/XXXX transaction. So basically they just issued this person a refund by taking money from my linked bank account that's through XXXX. When I finally got someone on the phone I was told that the person filed a dispute with their bank back on XX/XX/XXXX I believe yet from the day of the dispute being filed until I discovered money was taken from my account I was never contacted by cash app the person disputing the transaction any banks or anyone else. Cash app told me that they can't do anything. {$99.00} bucks isn't a lot but when you live on a budget {$99.00} is my lunch and dinner for a week. This has to be unethical if not criminal. How does a financial institution just take money from someone without speaking to the person. You have no idea how much this spirals my life into chaos. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
CFPB Complaint Summary XXXX. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax XXXX TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
XXXX. What do you believe is the issue? 
Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-08-17 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: GA

Complaint narrative:
CFPB Complaint Summary XXXX. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax XXXX TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
XXXX. What do you believe is the issue? 
Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax is reporting XXXX accounts that has been re-aged and they have failed to conduct a XXXX percent investigation with maximum accuracy.

Company response to consumer: Closed with non-monetary relief