vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
I am writing to file a formal dispute regarding inaccuracies found in my credit report with each of the three major credit bureaus : Equifax, XXXX, and XXXX. Below are the details of the accounts in dispute : Charged Off Accounts : XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2100.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXXXXXX 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 XXXXXXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX  XX/XX/XXXX | XXXX XXXX  XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: PA

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXXXXXX 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 XXXXXXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX  XX/XX/XXXX | XXXX XXXX  XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I am filing this second complaint as an escalation because AES provided a non-responsive, incomplete form-letter reply to my original complaint. Their response did not address my documented financial hardship, my specific change in circumstances, or my request for temporary payment relief. 

I requested : A hardship forbearance A temporary payment reduction A review of alternative hardship options Written clarification of available accommodations AES ignored all of these points and simply repeated the same payment plan I am already on, stating this is the only option available, which I believe is inaccurate, misleading, and a violation of fair-servicing standards. 

AESs refusal to acknowledge or review my hardship constitutes an unfair and deceptive practice, especially as my financial situation has changed. They did not provide any details about internal policy, did not evaluate my situation, and did not offer any temporary relief options despite clear evidence of hardship. 

I am requesting the CFPB to : Escalate this complaint to the CFPB Supervision Division for inadequate servicer response.

Require AES to provide a real hardship review, not a generic form letter.

Require AES to disclose, in writing, all hardship accommodations applicable to my loan type.

Require AES to explain why temporary hardship relief is being denied and what objective criteria they used in making that determination.

Investigate AES for a pattern of refusing to offer or disclose legitimate hardship assistance to borrowers.

I am making every effort to stay in good standing and communicate in good faith, but AESs refusal to provide basic transparency or hardship accommodations has caused significant financial harm.

I am requesting that the CFPB intervene to ensure AES follows consumer protection laws and provides a legitimate review rather than dismissing hardship requests with boilerplate language.

Thank you for reviewing this escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I previously disputed the following inaccurate items on my credit report, and the bureau failed to conduct a reasonable reinvestigation under FCRA 611. Despite providing full identity verification and supporting documentation ; including my ID, proof of address, and if applicable, an FTC Identity Theft Report, the bureau either verified the items without proof or failed to correct them. These items remain inaccurate and/or the result of identity theft connected to a data breach. 
Items in Dispute : 1. XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX  - Identity theft please block and delete under FCRA 605B. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA 605B.

3. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA 605B.

1 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft please block and delete under FCRA 605B. 
5XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA 605B.

1. XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry. Please remove it from my credit report. 
2. XXXX XXXX  XXXX - XX/XX/XXXX - I did not authorize this inquiry. Please remove it from my credit report. 
3. XXXX - XX/XX/XXXX - XXXX did not authorize this inquiry. Please remove it from my credit report. 
4. XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry. Please remove it from my credit report. 
5. XXXX XXXX  XXXX - XX/XX/XXXX - I did not authorize this inquiry. Please remove it from 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 2025-11-19 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: GA

Complaint narrative:
Recently having my credit report polled from all three credit bureaus I noticed inaccurate information. I have several accounts from XXXX XXXX XXXX, Credit collection Service, as well as sunrise credit service. After disputing each account from Experian, Transunion, and Equifax accounts came back verified. Yet the records still show conflicting data. This violates the fair credit reporting act ( 15 U.S.C 1681 e ( b ) and 1681 i ( a ) due to failure to ensure accuracy or conduct a lawful reinvestigation. Also failed to provide any proof of ownership, validation, or chain of assignment for alleged debt violating the fair debt collection practices Act ( 15 U.S.C 1692g ( b ). Reporting unverifiable information after dispute is non compliance with federal law. I request that these collections amount be permanently deleted from all three 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 2025-11-19 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: GA

Complaint narrative:
Recently having my credit report polled from all three credit bureaus I noticed inaccurate information. I have several accounts from XXXX XXXX XXXX, Credit collection Service, as well as sunrise credit service. After disputing each account from Experian, Transunion, and Equifax accounts came back verified. Yet the records still show conflicting data. This violates the fair credit reporting act ( 15 U.S.C 1681 e ( b ) and 1681 i ( a ) due to failure to ensure accuracy or conduct a lawful reinvestigation. Also failed to provide any proof of ownership, validation, or chain of assignment for alleged debt violating the fair debt collection practices Act ( 15 U.S.C 1692g ( b ). Reporting unverifiable information after dispute is non compliance with federal law. I request that these collections amount be permanently deleted from all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: KY

Complaint narrative:
I spoke to someone in XXXX and let them know I was having trouble making the payment. I asked her if she could turn of the automatic payment and let me make a payment by credit card later in the month. She said she could do that for me, and I ended the call feeling much better. I made the payment as agreed on XX/XX/XXXX by credit card. I made a second payment on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, they resumed automatic withdrawal from my account. They made a third attempt on XX/XX/XXXX. I called them XX/XX/XXXX and told them this was creating further hardship. I inquired why it was not turned off when I asked. He advised me it was but they automatically turn it back on when you make a payment. I told him this was done without my permission and he said he would turn it off. We ended the call, but he called back immediately and asked if I wanted to make a payment. I asked him if I could wait until these overdrafts cleared. He replied that he understood, but they reported me as being 30 days late without any warning whatsoever. I checked my transaction history and noticed they did not give credit for the XX/XX/XXXX or XXXX payments. I filed a dispute with XXXX, and the result was Advanced Financial listed those payments but the late notice and balance did not change. I called them again today to get clarification and attempt to make a payment. They said that the automatic withdrawal was NOT turned off until XX/XX/XXXX, when I made the second call. They also said they could not make any arrangements, despite attempting to collect from my account without my permission, giving me false information about whether or not auto pay was turned off, and failing to inform me verbally or in writing that my account was about to be reported. She also said only a payment of around {$1300.00} would prevent further reporting. A biweekly amount of {$260.00} should be the required payment. If I missed two payments in XXXX, that is only {$530.00}. Add XXXX, that is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
I am not linked to these accounts ; they should be removed within 15 days by USC 1681g standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain. 

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain. 

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
I contacted XXXX about the alleged charges that XXXX XXXX XXXX is saying I owe and was confirmed that XXXX is involved in fraud and scam tactics using XXXX as basis for debt collections that are in fact non existant. 
XXXX did in fact send me debt validation papers that are false and continue to try to collect from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am purchasing a property with escrow closing scheduled for XX/XX/XXXX. On XX/XX/XXXX, my 4-week treasury bill matured and funds deposited into my Marcus Bank ( Marcus ) savings account. On the same day, I tried to transfer XXXX out of this account to my personal bank account in preparation for transferring money into escrow on XX/XX/XXXX. I initiated the transfer in the morning of XX/XX/XXXX. But XXXX XXXX  didn't notify me until XXXX EST that they are declining the transfer for security reason and they don't allow money go in and out on the same day. I was advised to try again the next day and transfer the money into an account that I had done transfers between Marcus savings account and that account in the past to satisfy the security check. On XX/XX/XXXX in the morning I called Marcus again to initiate a transfer of the same amount to the bank XXXX advised me to send the money to. Again, I waited for a whole day without seeing the money in my personal bank account. Eventually I got an e-mail from Marcus stating my transfer was declined again. I phoned in, spent more than 2 hours, spoke to multiple people at XXXX. The only answer I got was the transfers were declined due to quick money movement policy. I asked for details on that policy and none of them can explain what that means and how long I have to wait. Despite I continuously stating that I needed the funds to close escrow or I will lose XXXX deposit, they didn't care. They only offered to issue a check that will arrive in 7 - 10 business days! One of the reps directed me to the website for quick money movement policy. I searched all the links on Marcus website and couldn't see any such policy. On the account agreement, there's no mention of such policy either. Basically, Marcus just unilaterally applied this unknown policy onto the account holders, who were not disclosed of such policy and who didn't agree to it. Now, I'm at the mercy of the home seller. She can decide to wait for me further, or take away my deposit and put the house back on the market. At the same time, even if the seller is nice and willing to wait for me, I can't even tell her how much longer she has to wait because Marcus can't tell me that. It's my money and it's unacceptable for them to deny my access to it for all these nonsense reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting a formal dispute regarding the following credit reporting inaccuracies on my credit reports. The details of the accounts in question are provided below, separated by each credit bureau ( XXXX, XXXX, and TransUnion ). 

CHARGED OFF XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} LATE PAYMENT XXXX  XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I have been contacted about a pay loan I owe that I have no part in and it was an issue of identity theft. I have never been or used speedy cash nor have I ever token out a loan in my life. I have called them personally and spoke to them and they even said yes it looks suspicious. I have been target plenty of times for identity theft to the fact I even had to get aura to protect my information and identity, this month alone I had to change my card because someone got into it. This is another identity theft issue I am having to deal with! Thank you for your time.

Company response to consumer: Closed with explanation