vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I made several applications to Aidvantage XXXX, XXXX, XXXX, I was denied. They said they sent an email which I have never recieved. Twice this year alone that I was denied because, I was told that I used my maiden name on my application and they said they wouldn't give me my XXXX  Loan forgiveness for service because my name was different but my SS number never changed on my application and that I needed to put my name in the name that could be identified along with my government identification card. So I sent another application and included everything that they requested and I haven't heard from them at all. Each time I was not given any good reason for denying my application, I have over 26 years alone in the XXXX XXXX XXXX XXXX XXXX, XXXX Ga XXXX system. I completed the application for XXXX Loan forgiveness application for working in a Disadvantage school from XXXX through XXXX and I was denied. I am trying to pay out my student loan and I need to get my XXXX loan forgiveness which would help me out. It's so difficult when the interest is multiplied on a daily rate at of XXXX percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MI

Complaint narrative:
I am requesting a fair and complete resolution under the Fair Credit Reporting Act ( FCRA 604 ( a ) and 611 ). 

The XXXX XXXX XXXX  account ( formerly XXXX XXXX ) is reporting on my credit report with Experian, Equifax, and TransUnion despite being closed, having no current balance, and no permissible purpose for continued reporting. 

I have verified that all third-party data sources including XXXX, XXXX, XXXX, XXXX, and XXXX are under active security freezes, meaning the credit bureaus no longer have a lawful or verifiable data source to confirm this information. 

Since the account is closed and shows no active contractual relationship, it no longer meets the permissible purpose standards of FCRA 604 ( a ). This continued reporting is inaccurate and unverifiable.

I am requesting : 1. Permanent deletion of the XXXX XXXX XXXX account from all three bureaus. 
2. Documentation showing the exact data furnisher and method used to verify this account after my dispute.

3. Written confirmation once deletion is complete.

Attached are current screenshots of the account showing it is closed and updated after my disputes, yet still remains reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
THIS ACCOUNT WAS REPORTED WITHOUT MY AUTHORIZATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: SC

Complaint narrative:
Discover will not work with me on my credit card. This was a XXXX limit and the bill is over XXXX over XXXX plus years ago. I have tried reaching out several times to work out a payment plan and nothing was offered to me by discover

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Financial Services Inc
State: MS

Complaint narrative:
Would like to see proof that the debt collectors own this debit with a sign contract with the debt you all say i owe you that I signed with you. I have proof that my email, bank account and credit was compromised. As well as my social security number and date of birth was leaked by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) because my credit file contains inaccurate information that has caused financial harm and distress. The law requires that all information reported to credit reporting agencies be complete, accurate, and verifiable. Despite my prior disputes, my file continues to reflect incorrect data, including late payments and unauthorized inquiries, which is a violation of my rights under the FCRA. I am requesting a thorough reinvestigation and correction of all inaccurate information. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Late Payment I dispute this late payment as it is inaccurate and unverified per FCRA XXXX ( a ). I request proof of the reported delinquency including statements and payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This late payment is disputed under FCRA XXXX. I have evidence of timely payments that contradict this record. XXXX is required. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment I dispute the reported late payment. I have no record of missed payments and request validation per FCRA XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Charge Off This charge-off is inaccurate and unverified. Under FCRA XXXX ( a ) ( XXXX ) ( A ), the creditor must provide verification and documentation supporting this status. 

I request that the CFPB require all involved credit bureaus to reinvestigate my file, correct all inaccurate information, delete unauthorized inquiries, and provide me with written confirmation of all actions taken. These inaccuracies violate FCRA protections, are harming my creditworthiness, and must be resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: PA

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
EQUIFAX JUST CONSPIRED WITH XXXX XXXX XXXX XXXX IN CONSPRIRACY AGAINST ME THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX of XXXX  XXXX XXXX, USING ARTIFICIAL INTELLIGENCE TO REPORT FRAUDULENT INFORMATION ON MY CREDIT REPORTS ILLEGALLY FROM XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX IS REPORTING FRAUDULENT INFORMATION ON A FRAUDULENT ACCOUNT ENDING IN XXXX. EQUIFAX JUST DROPPED MY SCORE XXXX POINTS USING FRAUDULENT INFORMATION FROM XXXX XXXX XXXX XXXX. THIS ACCOUNT ENDING IN XXXX WAS REMOVED TWO MONTHS AGO, BUT EQUIFAX USED FRAUDULENT INFORMATION TO PROCEED AFTER THE FACT TO CONTINUOUSLY DROP MY CREDIT SCORES ON REPORTS FROM EQUIFAX!! ! XXXX I HAVE PROOF. 

The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). 
You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 
Who is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( Equifax, XXXX, and XXXX ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. 
You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 


18 U.S. Code 241 - Conspiracy against rights U.S. Code Notes Authorities ( CFR ) prev |next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth , Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the XXXX XXXX  , or because of his having so exercised the same ; or If XXXX or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX XXXX  or an attempt to commit aggravated XXXX XXXX, or an attempt to XXXX, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Both JPMorgan Chase Bank , N.A . and XXXX XXXX XXXX  ( XXXX ), XXXX. are inaccurately reporting charged-off credit card accounts on my credit reports. These accounts were charged off and subsequently sold or assigned to third-party debt collection agencies. Once an original creditor sells a charged-off debt, it no longer retains a financial interest in that account, and under the Fair Credit Reporting Act ( FCRA ), the creditors tradeline should reflect a XXXX balance and indicate the account was sold or transferred. 

Despite this, both banks continue to report outstanding balances as if the debts remain owed to them. This misrepresents my total indebtedness by more than {$10000.00} and constitutes inaccurate reporting in violation of 15 U.S.C. 1681s-2 ( a ).

I have disputed these inaccuracies with the credit reporting agencies multiple times. The accounts have been temporarily corrected or deleted, but they are repeatedly reinserted without proper notice or reinvestigation, violating 15 U.S.C. 1681i ( a ) ( 5 ).

I am requesting the CFPB to investigate and require the furnishers to : 1. Report the accounts with a XXXX balance and note they were sold or transferred ; 2. Permanently cease reinserting this inaccurate information ; and 3. Confirm in writing that these creditors no longer claim ownership or financial interest in these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-10-22 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: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-10-22 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-22 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name is XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX, North Carolina XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX, XXXX, TN, XXXX Please update my credit file to reflect the proper spelling and data as I have indicated above. 
Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are 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 2025-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
Within the past XXXX weeks, I contacted the bank to request a payoff statement and full accounting of a joint loan for which I am a co-signer. The bank has not responded or provided the required documentation, despite its legal obligations. Their lack of communication and notice has directly affected my credit standing and left me financially responsible for a default I did not cause. 

The bank failed to provide a payoff statement and full accounting as required under UCC 9-210 and federal consumer protection laws. As a co-signer, I was never given proper notice of default or opportunity to cure. This violation caused credit harm, financial exposure, and ongoing damage to my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: NC

Complaint narrative:
I am being told conflicting information through chat and calling.I have sent photo of me and EIN NUMBER AND NO ONE SEEMS TO HAVE A CLUE TO WHY I CANT OPEN MY ACCT .i have sent my id as well front and back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed a dispute and formal request to Equifax regarding several inaccurate items appearing on my credit report. In my letter, I specifically requested that Equifax provide a detailed description of how they conducted their reinvestigation in compliance with 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ).

I made sure to include copies of my identification documents, including my government-issued ID, Social Security card , and proof of address, to verify my identity and confirm that it was indeed me who submitted the dispute. Despite these efforts, Equifax has failed to respond to my written request within the time period required by law.

The FCRA clearly requires consumer reporting agencies to : Conduct a reasonable reinvestigation of disputed information, and Provide a description of the procedure used to determine the accuracy and completeness of the information when requested by the consumer.

By failing to respond to my written request and refusing to provide the required reinvestigation procedure details, Equifax is in direct violation of Section 611 ( a ) ( 7 ) of the FCRA. 
Date of Dispute Letter : XX/XX/year> Items in Question : XXXX XXXX Account ending in XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I requested specific details including : The date Equifax contacted each furnisher or creditor. 

The full contact information of the furnisher ( XXXX ). 

The name of the individual who verified the disputed information. 

The method used to verify the information ( phone, email, mail, etc. ). 

Whether the furnisher provided personal identifiers ( SSN, address, XXXX ) during verification. 

Despite providing all required identification and documentation, I have received no written acknowledgment or response from Equifax as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
THIS ACCOUNT WAS OPENED WITHOUT MY KNOWLEDGE OR CONSENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/XXXX at XXXX pm, I canceled a mail a check, was told within XXXX hours my funds would become avaliable to use again in my checking account. I gave chime till XXXX  XX/XX/XXXX and called in the morning hours and was told by XXXX pm that my funds would be available in my account from the deposit of the canceled check. XXXX XX/XX/XXXX I was told by an agent that they have to " escalate '' my case to a different department and I would receive an email when they have resolved this issue. I want access to my funds from the pending deposit from the check cancel. There should be no reason or excuse for the funds to not be showing in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I do not owe XXXX XXXX any debt. I never contracted with this company!

Company response to consumer: Closed with explanation