vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Iam filing a complaint regarding the transfer of my student loan from XXXX  to Aidvantage. I was not given clear notice or the opportunity to consent to the sharing of my personal and financial information. I believe this may violate my rights under the Privacy Act, FERPA, and the Higher Education Act. I am requesting a full investigation into how my data was shared and am formally requesting that this loan be removed from my account due to the unauthorized transfer and handling of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: WA

Complaint narrative:
I am disputing XXXX charges that were partially collected by XXXX for XXXX transactions that never completed. 
XXXX rejected both of the XXXX-generated virtual cards immediately with a card error use a different payment method message. The orders were canceled and no goods or services were received. 
Despite this, XXXX states that XXXX used the funds, but can not provide any XXXX order numbers or transaction IDs showing where those funds were applied. I am still paying full price for all XXXX purchases made with other payment methods. 
Additionally, XXXX dispute process does not allow me to respond or appeal. Each dispute is closed without a reply option, forcing me to open new disputes and restate the same information repeatedly. 
This occurred on XXXX back-to-back transactions, suggesting a system or authorization issue rather than user error. 
Furthermore, XXXX XXXX partially cancelled both transactions so that I didn't have to pay full price which tells me they realize the transaction didn't complete but for some reason are still keeping half of my payments for the items that I never received. 
I have tried to reach out to XXXX and XXXX both about it. XXXX confirms that both transactions were never completed and that they were canceled. XXXX XXXX still refuses to refund me the money I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After carefully reviewing my Experian consumer credit report, I identified multiple accounts being collected, maintained, and reported without my written authorization and without any lawful permissible purpose. At no time did I provide Experian with verbal or written instructions to include these accounts on my credit file. Despite this lack of authorization, Experian continues to report the accounts and disclose my personal consumer information to third parties. I submitted formal disputes to Experian requesting a reinvestigation and specifically requested proof of written authorization or other documentation establishing a permissible purpose under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). Experian failed to provide any written authorization, validation, or competent evidence demonstrating that these accounts were reported lawfully or accurately. In addition, several of the disputed accounts reflect inflated balances, high balances, and charge-off amounts that include improper, excessive, or unauthorized fees, resulting in materially inaccurate and misleading reporting. By continuing to publish this information without verification or correction, Experian has failed to follow reasonable procedures to assure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) and has furnished consumer reports without a permissible purpose in violation of 15 U.S.C. 1681b. These ongoing violations have caused harm by negatively impacting my credit profile and financial standing.

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 2025-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX Previous complaint that you closed just because they responded. 

I respectfully dispute Navients response and request further CFPB review. 

Navients denial rests on evidentiary standards that are unreasonable and unattainable given the age of the loan ( originated in XXXX  ), the closure of XXXX XXXX XXXX and the well-documented misconduct history of that institution and its parent entities. Requiring a borrower to produce contemporaneous marketing materials, admissions communications, or accreditation disclosures from a defunct for-profit school nearly XXXX XXXX later effectively denies relief to all similarly situated borrowers. 

Navient does not dispute that XXXX XXXX XXXX XXXX, that government enforcement actions occurred, or that institutional records are no longer available to borrowers. Instead, Navient refuses to consider publicly available evidence of misconduct, regulatory findings, and the inherent imbalance of information control that existed between the school and borrower at the time of enrollment. 

The denial does not address the substance of my harm : I relied on material misrepresentations regarding job placement, employer recognition, and career outcomes when enrolling and assuming private student loan debt. Those representations proved false, and the credential did not provide the promised value or employment prospects. This constitutes financial harm directly traceable to the schools misconduct. 

Navients assertion that this determination is not legally binding underscores that this is a discretionary refusal of voluntary relief, not a finding that misconduct did not occur. I am requesting CFPB oversight of Navients use of unattainable evidentiary thresholds to deny relief in cases involving closed, sanctioned for-profit institutions. 

I respectfully request that the CFPB continue its review, evaluate whether Navients practices align with consumer protection standards, and require Navient to reassess this claim using reasonable evidentiary standards consistent with the age of the loan and the closure of the school. 

I certify that the above statements are true and accurate to the best of my knowledge. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : [ No charged-off accounts listed ] Inquiries : XXXX  XXXX, XX/XX/year>

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
XX/XX/XXXX, XXXX Purchased tickets through XXXX XXXX 
XX/XX/XXXX, XXXX Attended the venue approximately XXXX hours early and was notified that the tickets on the XXXX app were not sufficient. I needed to download the XXXX app which I did with the help of the associate at the ticket booth. After spending an hour there and logging in, the associate was confused when there was no ticket on the XXXX app, so directed me to contact XXXX. I spoke to XXXX and so did the ticket booth associate. The XXXX XXXX kept saying, " I see the tickets here, but I don't see it on the XXXX app, so I'm not sure ''. They then transferred me to someone else, ensuring that this would be situated before the show started, ( this was after trying to situate this for approximately XXXX hours now ). The next rep told me to wait for an email with instructions. The instructions asked for me to open the XXXX app and screenshot my screen with my name, information, and verify that there were no tickets present, which I instantly did. However, I waited over XXXX minutes with no response, so called back and was on hold for so long that the show had started. At that point, the representative simply told me, " Per our policy, because the show already started, there's nothing we can do but issue a refund. You'll have to wait approximately 10 days. '' At this point, we had traveled over an hour, paid {$60.00} for parking, and went through a lot of trouble, so we had purchased tickets from a separate merchant. 
XXXX assured me they would resolve the issue prior to XXXX which they did not, and then assured they would issue a refund, which they also did not follow up on, because I had to contact them XXXX weeks later. 
Approximately XXXX weeks later- I began following up with XXXX with no resolution. 
In the end of XXXX, I was notified that I was not getting a refund from XXXX. 
XXXX I reported the issue to my bank. The bank issued a provisional credit. 
On XX/XX/year>, I received a letter from the bank stating they would debit my account {$500.00} within XXXX business days. 
XXXX I contacted the bank for clarification and they said they would most likely debit my account today, XX/XX/year>. 
I disagree with this determination and believe the investigation was incomplete. I am requesting a full review and reversal of the debit. 

* Attached is the {$500.00} charge from my original purchase on my bank statement, along with the email from the XXXX rep, with my verification of the app when I did not receive the tickets, which was sent to the rep.

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 2025-12-29 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and incomplete. Below are the details of the accounts in question, which I request be thoroughly investigated and corrected. Please address these disputes separately for each bureau. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$8800.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$2700.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$1000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$2000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$880.00} UNAUTHORIZED COLLECTION, XXXX, XX/XX/XXXX, Balance : {$82.00} XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$620.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$10.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NC

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action.

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 2025-12-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
I am the victim of incorrect information being furnished to my credit reports causing things such as denial for homes and other necessary financial needs. My personal information was used and tied to accounts without my knowledge or consent, resulting in two fraudulent accounts appearing on my credit reports : XXXX. XXXX XXXX in the amount {$390.00}, allegedly tied to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX in the amount {$3300.00} allegedly tied to XXXX XXXX XXXXXXXX. I never opened or authorized either of these accounts. Furthermore, I did not give permission for my personal information to be sold, traded, or bartered for monetary gain amongst these companies. Such actions may constitute violations of the Gramm-Leach-Bliley Act ( GLBA ), the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b permissible purposes rule ), and the Federal Trade Commission Act, Section 5, which prohibits unfair or deceptive trade practices. These accounts are inaccurate, unverifiable, and harmful, causing financial and personal damage by restricting my access to credit, housing, and other essential services. I am requesting that these fraudulent accounts be removed from my credit records.

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
Care Credit Gave me a promotional amount to pay off my card but come to realize there was still {$110.00} left so there was not promotional nothing. They just lied to get me to pay most of the card off. Literally I have the statement that says I owe {$390.00} but they say if I pay XXXX that will pay off my entire card. Literally, I saved nothing they basically came up with some scam to get me to pay more than the XXXX or XXXX a month that I was giving them already. Then the manager gives me some random story about my purchases at XXXX and how I didn't make enough payment and so I accrued more interest on that total of XXXX. The entire excuse they gave made no sense. So the story is there was not promotional anything I got. I just got tricked into paying my normal credit card. I still think they should take the {$110.00} off my bill that was the whole point in paying the promotional deal because I thought I was saving {$110.00} off the total balance.

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 monetary relief
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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