vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, I checked my XXXX XXXX and noticed my credit score dropped XXXX points. I couldn't understand why so I signed up for XXXX  and saw the 4 missed loan payments from Education. I was never aware of the switching of the servicer as I thought these loans were put on hold. I even tried to call them and pay it, they said they'd send me an email and never did. 

I found out it was Aidvantage and they reported to the credit bureaus that I was 180 days late on 4 student loans under {$4000.00}. A total payment of {$140.00} a month. I called them, logged in and paid the past due balance immediately. I called and asked what can be done to fight the credit reporting. They told me to write a letter with all of the information above. They had the wrong email, physical address and my mothers phone number on file. 

I come to find out that they called my mother a few times but it came in as " Spam Likely '', unintentionally blocking the call on arrival. I know this because when I called them we got disconnected and they called me back. I sent a letter for dispute on XX/XX/2025. 

Today, XX/XX/XXXX, exactly 30 days later, they have sent me an email declining my request for dispute without acknowledging that they failed to contact me that the loan payments were due. I've asked to speak to a supervisor three different times and was told there is nothing they can help you with. In fact, I was hung up on three different occasions when asking to do so. 

My credit score dropped XXXX points in two months. I was never contacted or made aware that this was due. I've never missed a payment with my previous servicer or any other loans/ credit card payments in my life. 

I've offered to pay the loan in full if they could remove the negative impact they have made on my credit. They declined over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
On XX/XX/year>2025, I sent a formal written dispute directly to XXXX XXXX XXXX  regarding this account. As of today, more than 30 days have passed, and I have received * * no response, investigation results, or verification * * from them.

This failure to respond within the time required by the Fair Credit Reporting Act ( FCRA 623 and 611 ) renders the account * * unverifiable * *. Additionally, the original reporting contained factual inaccuracies, including an early charge-off before the standard 180-day period and inconsistent or missing payment data.

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 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Resurgent \ LVNV Funding has continuously been told it was a fraudulent account opened up by someone other than myself. I have asked them for the information about that contract signing everything it was sold to resurgent by XXXX XXXX, which was the original creditor. I have told them numerous times and sent in police reports and everything to the all the credit bureaus and nobody has removed this from my account. The amount on the first discrepancy and dispute is {$910.00}. The second is RC resurgent receivables amount is {$730.00}. The third is resurgent LVNV funding the amount is {$780.00} the next dispute is with credit first in a with XXXX Original amount was {$600.00}. The next one is XXXX XXXX XXXX original amount $ XXXX.next one is XXXX XXXX in the amount of {$750.00} and the person that stole my identity back years ago has ran up several inquiries that they are not removing as well with XXXX  they are not read. They are not deleting this. I have sent in certified letters to XXXX. They say they dont have them also I had one of the workers tell me that they just feed it into a computer and the computer decides what to do with it. I think thats very unfair. This has been a fraudulent thing since 2018 and I have worked very hard to try to remove this and they wont remove it. They just keep reopening things and it starts the clock all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I was booking a hotel for work and looked up the phone number for a specific hotel. Unbeknownst to me, the number I found led to XXXX I had no idea it was a third-party booking site. In fact, when I asked the person on the line if this was the hotel, they replied that they were the reservation department. That was incredibly deceptive, and in my opinion, this is essentially fraud. 

I stayed at the hotel ( a XXXX XXXX ) but checked out a day earlybefore the check-out timewhich the front desk was completely fine with. However, they told me they couldnt give me a receipt because I had booked through a third party. I was shockedI had no idea! Not only that, but XXXX added outrageous fees to my stay. XXXX XXXX never charged them for the final night, yet they refused to refund me. 

I was tricked into doing business with a company I never intended to use. Heres what Ive done so far : - Disputed the charge with my credit card company - Filed a complaint with the Better Business Bureau - Filed a complaint with my states Attorney General - Filed a complaint with the Federal Trade Commission - Filed a complaint with the Florida Department of Agriculture and Consumer Services ( where XXXX is located ) P.S. The XXXX XXXX XXXX  was no help. Despite XXXX being XXXX-accredited with an A+ rating, there are a massive number of complaints just like mine. You can see them here : XXXX  Complaints XXXX  What Im Requesting : I have filed a dispute with my credit card. I am asking the CFPB to ensure my credit card company thoroughly investigates this dispute and considers the deceptive business practices involved. I am also reporting XXXX for what I believe to be misleading or deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute hard inquiries listed on my credit report dated XX/XX/, from Equifax, TransUnion, and Experian, which are not associated with any accounts that I personally applied for or opened. 

Under my rights established by the Fair Credit Reporting Act ( FCRA ), Section 604, all inquiries must have a permissible purpose. Any inquiry made without my explicit consent and without valid justification constitutes a violation of this regulation. 

On XXXX XXXX XXXX, I sent notarized letters via certified mail to each of your agencies, including all supporting documentation. To date, I have not received any response or resolution regarding the removal of the disputed inquiries. 

Therefore, I am formally requesting that you investigate and immediately remove any inquiries that are not related to the legitimate accounts listed in my credit history, and provide written confirmation of the resolution of this dispute.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute hard inquiries listed on my credit report dated XX/XX/, from Equifax, TransUnion, and Experian, which are not associated with any accounts that I personally applied for or opened. 

Under my rights established by the Fair Credit Reporting Act ( FCRA ), Section 604, all inquiries must have a permissible purpose. Any inquiry made without my explicit consent and without valid justification constitutes a violation of this regulation. 

On XXXX XXXX XXXX, I sent notarized letters via certified mail to each of your agencies, including all supporting documentation. To date, I have not received any response or resolution regarding the removal of the disputed inquiries. 

Therefore, I am formally requesting that you investigate and immediately remove any inquiries that are not related to the legitimate accounts listed in my credit history, and provide written confirmation of the resolution of this dispute.

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 2025-07-30 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:
Please assist me in opening an investigation into these accounts, which appear to be reporting erroneous information on my credit report. Under USC 1681g, I am officially requesting their removal within 15 days. I have provided the appropriate documents for your thorough review. It is also important to note that the reported account data varies and is inaccurate across all major credit bureaus.

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 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Im reporting fraud facilitated through Zelle. I paid {$500.00} to a scammer via XXXX  business checking, using Zelle. The recipients account is known to be fraudulent and the funds were never withdrawn. My bank refuses to confirm any action on the recipients side. Im requesting that Zelle and Early Warning ServiceXXXX investigate this account across your network and help ensure the transaction is canceled or reversed if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express refused to honor clear evidence that the hospital forged my signature and charged more than was agreed upon. I provided copied to you and them clearly shoeing that what I said was true. I also provided medical proof that the hospital did not perform the XXXX and take care of the issue. According to this from the FTC, Sometimes a company may bill you twice for the same thing or bill you for something you either returned or never got. Federal law ( the Fair Credit Billing Act, or FCBA ) sets out a dispute process to help you get those mistakes fixed on credit cards and revolving charge accounts ( like open-end credit accounts ).

Unauthorized charges. Federal law limits your responsibility for unauthorized charges to {$50.00}.

Therefore, since they were both, unauthorized charges, I agreed to pay {$4000.00}. They charged me closer to {$7.00} by forging my signature and they did not remove the XXXX, so I was billed for something I never got. As a result my responsibility is only {$50.00} I am attaching proof from the XXXX Scripts that the XXXX  is still there. Also pictures from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NJ

Complaint narrative:
Im filing this complaint because Equifax has once again violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1681i ( 5 ) ( B ) ( ii )- ( iii ), by reinserting two accounts that were already deleted from my credit report earlier this year. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I disputed these accounts way back on XX/XX/year>2025, and they confirmed the deletion, and in fact, they sent me a letter. Equifax sent me a letter in XX/XX/year>2025, stating that these accounts were DELETED from my file. I have that letter and will include it as an attachment. So what was that? A mistake? A joke? Or just a display to shut me up? Because now, months later, those exact same accounts are back on my credit report, with no explanation, no documentation, and definitely no notice within the 5-day requirement outlined under 15 U.S.C. 1681i ( 5 ) ( B ).

The FCRA requires two things before reinserting any deleted information : A certification from the furnisher that the info is accurate and complete.

A written notice to me within 5 business days of the reinsertion, explaining what was reinserted, who reported it, and that I have the right to dispute it again.

Equifax did neither. I didnt get a notice. I didnt get the name, address, or phone number of the furnisher. I didnt even get told these were being reinserted at all. So what kind of reinvestigation did they do? Because it looks like they just copy or rubber-stamped this through e-OSCAR like always, marked it verified, and hoped I wouldnt notice.

Thats NOT how this is supposed to work. This kind of sloppy and lazy reinsertion violates the FCRAs requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). If Equifax cant even follow the basic legal steps to reinvestigate or explain why these accounts are back on my report, how am I supposed to trust anything they report? Theres no transparency. No accountability. Just silence and unverified data.

I want these accounts PERMANENTLY DELETED AND NEVER ADDED AGAIN. Not just temporarily removed. I also want Equifax to provide the full reinvestigation record, including who verified these accounts, what documents were used, and how they determined these accounts were legitimate. If they cant give me that, then they have no business reporting them in the first place.

Lastly, Im demanding that Equifax be held accountable for this. Reinserting accounts without notice is a direct FCRA violation, and under 15 U.S.C. 1681n and 1681o, they can be held liable for at least {$1000.00} per violation if done willfully. At this point, it sure feels willful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
on XX/XX/XXXX at XXXX XXXX  {$140.00} was charged to my account. This was not me buying anything. Ive never been to the store in person. I only go and order off of XXXX. This place is called XXXX  XXXX XXXX and is located on XXXX XXXX XXXX. Someone had clearly gotten my card information or skimmed me and bought something with this dollar amount. I asked my bank, which is M & T Bank. And they said that they cant do anything due to the fact that it was a chip to chip transaction. However, the problem with this is that XXXX XXXX XXXX  deletes all of their camera footage after a week and doesnt keep any receipt data. I had disputed the charge prior on XX/XX/XXXX and got a new card to make sure that whoever had paid with my old card couldnt pay anymore. my bank took 24 days to respond with a reversal and a claim denial which didnt give me any time together any substantial evidence as to why this was not me. All of the camera footage had been deleted by that point and there was no way for me to get any receipts to the fact that they dont keep rough track of them. Ive been very XXXX  because I never have gone to this place in person and apparently its under a different name then its listed on XXXX, which is XXXX XXXX XXXX XXXX ( rather than XXXX  XXXX XXXX on XXXX XXXX  ). All Ive wanted is my money back and my bank continues to deny my claims and there is no evidence for me to support myself and Im not sure what to do other than reach out.

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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I disputed a XXXX ( XXXX XXXX XXXX XXXX XXXX ) account on my Experian credit report. I have not paid XXXX directly since XXXX. XXXX XXXX XXXX XXXX has managed this debt, and XXXX has told me they no longer accept payments. 

Experian responded to my dispute saying XXXX verified the account as accurate, yet then quietly changed the account status from Open to Closed. This contradicts the idea that the tradeline was accurate to begin with. 

Despite the status being changed to Closed, Experian continues to report the debt under XXXX  name with an active balance and past-due payment history even though XXXX does not collect or service this debt. 

This is inaccurate, misleading, and incomplete under the Fair Credit Reporting Act ( FCRA ). I am requesting that Experian fully delete the XXXX tradeline from my credit report. 

Attached are screenshots from open, then closed under XXXX after I submitted the dipspute which Experian verified as accurate on the XXXX tradeline which I have no debt with.

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 2025-07-30 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: FL

Complaint narrative:
I am facing a very difficult time as a victim of identity theft. These accounts were opened without my knowledge or consent. This ongoing fraudulent activity is causing me significant distress and disrupting my daily life. 

The accounts include : XXXX - credit card -opened in XX/XX/XXXX XXXX XXXX - XXXX XXXX-opened in XX/XX/XXXX XXXX- credit card - opened in XX/XX/XXXX XXXX XXXX - collection - opened in XX/XX/XXXX XXXX  XXXX XXXX- collection - opened in XX/XX/XXXX And the INQUIRY - XXXX  Inquired on XX/XX/XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MA

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 non-monetary relief
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
This is fraud. Money was taken pit of my account and sent to someone for there XXXX XXXX I dont even know anybody in XXXX  let alone the lady it was sent to. Why is XXXX $ of my money bring taken out of MY ACCOUNT. i dont even send big purchases like that and when i asked cashapp for a refund and disputed it. They refused. XXXX THOUGH THEY ALLOWED IT TO HAPPEN

Company response to consumer: Closed with explanation