vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To Whom It May Concern I am writing to formally request the removal of all current fraud alerts and active disputes from my credit fileAs of today, I am no longer disputing any items on my credit report, and I ask that you please close and remove all pending disputes. This includes but is not limited to the account listed below XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Please also ensure that any fraud alerts previously placed on my credit file are removed. I affirm that I am no longer claiming any fraudulent activity or requesting investigation of any accounts or entries at this time. 
I appreciate your assistance in updating my credit report and restoring it to an accurate and dispute-free status.If any additional verification or documentation is needed, please do not hesitate to contact me. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Summary of the problem : I am filing a formal and urgent complaint against Experian, Equifax, and TransUnion for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. These agencies are knowingly reporting false, unverifiable, and damaging information on my credit report and have failed to conduct lawful reinvestigations after receiving my certified disputes. 

Disputed Negative Items Include : Serious Delinquencies ( XXXX days late ) listed on Experian and Equifax with no original creditor validation or contract. 

Recent Missed Payments marked on accounts I do not acknowledge and were not proven or documented. 

Excessive Credit Utilization noted across multiple accounts, exaggerated and used to depress my score without a lawful breakdown. 

Inflated Installment Loan Balances with no amortization detail or original loan disclosure. 
Unauthorized Hard Inquiry by XXXX on XX/XX/XXXX listed on my Experian report, which I never approved or initiated. 

These items were disputed and challenged under FCRA 609 ( a ) ( 1 ) and 611, yet the credit bureaus failed to provide any original documentation, signed agreements, or creditor verification which they are legally obligated to obtain and produce. 

Instead, they returned canned verified responses relying on automated matching systems, which do not meet the standards of a reasonable investigation as mandated by FCRA 611 ( a ) ( 1 ) ( A ).

These actions are unlawful and constitute : Willful noncompliance under FCRA 616 Negligent failure to reinvestigate under FCRA 611 Continued reporting of unverified information under FCRA 1681i ( a ) Requested outcome : I am demanding that the CFPB open a full investigation into these bureaus and compel them to : Permanently delete all unverified or inaccurate entries listed above from my credit report ; Provide copies of all documentation they relied on during verification, including original contracts, statements, or inquiry authorizations ; Sanction or take enforcement action against the bureaus for their failure to comply with federal consumer protection laws. 

If no resolution is reached, I will preserve all rights under FCRA 616 and 617 and am prepared to seek legal counsel to pursue statutory, actual, and punitive damages in federal court. These violations are causing ongoing harm to my creditworthiness and access to financial services. 

Consumer Information : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-03 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: TN

Complaint narrative:
Summary of the problem : I am filing a formal and urgent complaint against Experian, Equifax, and TransUnion for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. These agencies are knowingly reporting false, unverifiable, and damaging information on my credit report and have failed to conduct lawful reinvestigations after receiving my certified disputes. 

Disputed Negative Items Include : Serious Delinquencies ( XXXX days late ) listed on Experian and Equifax with no original creditor validation or contract. 

Recent Missed Payments marked on accounts I do not acknowledge and were not proven or documented. 

Excessive Credit Utilization noted across multiple accounts, exaggerated and used to depress my score without a lawful breakdown. 

Inflated Installment Loan Balances with no amortization detail or original loan disclosure. 
Unauthorized Hard Inquiry by XXXX on XX/XX/XXXX listed on my Experian report, which I never approved or initiated. 

These items were disputed and challenged under FCRA 609 ( a ) ( 1 ) and 611, yet the credit bureaus failed to provide any original documentation, signed agreements, or creditor verification which they are legally obligated to obtain and produce. 

Instead, they returned canned verified responses relying on automated matching systems, which do not meet the standards of a reasonable investigation as mandated by FCRA 611 ( a ) ( 1 ) ( A ).

These actions are unlawful and constitute : Willful noncompliance under FCRA 616 Negligent failure to reinvestigate under FCRA 611 Continued reporting of unverified information under FCRA 1681i ( a ) Requested outcome : I am demanding that the CFPB open a full investigation into these bureaus and compel them to : Permanently delete all unverified or inaccurate entries listed above from my credit report ; Provide copies of all documentation they relied on during verification, including original contracts, statements, or inquiry authorizations ; Sanction or take enforcement action against the bureaus for their failure to comply with federal consumer protection laws. 

If no resolution is reached, I will preserve all rights under FCRA 616 and 617 and am prepared to seek legal counsel to pursue statutory, actual, and punitive damages in federal court. These violations are causing ongoing harm to my creditworthiness and access to financial services. 

Consumer Information : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Its incredibly distressing to see false, inaccurate, and misleading information being reported under my name on my credit report. Ive worked hard to stay financially responsible, yet these ongoing errors are undermining my efforts and damaging both my credit and my livelihood. I know I have rights as a consumer, but the repeated lack of action makes it feel as though those rights are being ignored. 

Living paycheck to paycheck is hard enoughI should not also have to battle against incorrect reporting that continues to block my access to fair credit opportunities.

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 2025-07-03 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: PA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed and several inaccuracies on my account. this account is hurting my ability to obtain credit.it is my understanding that you will investigate these item for me to ensure accuracy.here is the item I am asking you to verify as accurate : transunion account { XXXX } date of last Activity: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 2025-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am submitting a formal complaint and request for escalation against my student loan servicer, Aidvantage, regarding their repeated and inconsistent denial of my Teacher Loan Forgiveness ( TLF ) application despite following all required steps in good faith. 

Since XX/XX/year>, I have submitted my TLF application multiple times - both online and by physical mail. Each time, the servicer has acknowledged receipt of my request, but has subsequently denied it, citing a constantly changing list of reasons that are often vague, contradictory, or impossible to verify. 

I've received eight+ different denial notices, each citing different problems with the same or similar application materials. Some examples include : The Chief Administrative Officers ( CAOs ) title missing CAOs signature or date not in MM/DD/YYYY format The application missing a page ( after being sent in full ) Section 5 missing school name, ESA name, district , or address ( despite these being listed ) The Chief Administrative Officer ( CAO ) altered your service dates but didn't initial the change. ( This is not true, no dates were altered. ) These denials are inconsistent, and the requirements keep shifting with every submission - often without explanation or fair opportunity to fix minor formatting or clerical issues, saying that my application was lost in the mail. In some cases, instructions contradict prior guidance. In every case, I took steps to correct or revise what was asked, only to be met with new and conflicting feedback. 

This has caused months of unnecessary delay, repeated administrative burden, and an unacceptable lack of transparency for a federal program designed to support public servants. I have documentation proving my applications were received, as well as each denial notice and all communication history with the servicer. 

I am requesting for escalation regarding this matter, as Aidvantage is unwilling to assist and resolve. I am happy to provide all supporting documentation, including dated correspondence, denial letters, mailed tracking, and forms. 

This is no longer a matter of corrections - its a pattern of deliberate stalling thats affecting my ability to receive the support I am rightfully eligible for as a former special education teacher in a qualifying school.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AZ

Complaint narrative:
Im writing because ( XXXX XXXX XXXX  ) account on my credit report is being reported as a charge off every single month for an extended period of time, especially on Experian. 
A charge-off is a XXXX time event, not something that can be reported over and over again like it keeps happening. Reporting it this way is misleading and harmful. It makes the situation look worse than it actually is and drags my credit down unfairly. This kind of Reporting goes against Metro 2 credit reporting guidelines and the fair credit Reporting Act. Because if this, Im asking XXXX XXXX XXXX account to be completely removed from my credit report. Please investigate and delete it if it cant be corrected immediately.

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 2025-07-04 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: CA

Complaint narrative:
I have identified what appears to be multiple XXXX  inquiries from the same company for what should have been a single transaction or application. I did not authorize repeated credit pulls, nor should they appear as separate inquiries.

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 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was promised an instant transfer of {$1400.00} to my debit card. It has not been delivered. Your agent now tells me its under review with no clear timeline and that I can not speak to a supervisor. 

I am a working chef with multiple dependents. This delay is affecting my ability to reach booked clients and damages my reputation. I had to refund and loss my job. 

I am filing this as a formal complaint and request a case number, estimated release time, and an escalation to PayPal Risk or Operations leadership. I am also reporting the misconduct of the representative who interrupted me, refused to assist, and treated me as if I were incompetent. 

I will also escalate externally if needed. This is urgent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2025, I submitted the original XXXX XXXX dispute to Experian with the documents to meet the criteria, as attached to this formal complaint. Per the XXXX XXXX XXXX XXXX, section 605c, the CRA is mandated to temporarily block the accounts and collections that I self-attested are a result of me being a victim of XXXX XXXX. I submitted, additionally, a self-attestation letter signed by me and my court advocate representative from the victim services XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX associated with the XXXX XXXX District Attorney 's Office . My advocate was present during my testimonies, and she provided her own letterhead document declaring my self-attestation was true, as well. I included all necessary documents for the XXXX XXXX dispute, yet Experian had not temporarily blocked my adverse accounts during the dispute processing phase. 

I am challenging the Experian dispute process for XXXX XXXX victims as not following legally mandated timelines or actions as outlined in the XXXX XXXX XXXX XXXX, section 605c. XXXX, as well as other CRA 's require better training and dispute processing teams that legally adhere to the XXXX XXXX XXXX law. 

Nowhere in the XXXX XXXX XXXX XXXX does it mention that time is needed to formally receive the documents. Upon my completed submission of all required documents and information, the dispute deadline timeframe of XXXX business days begins. 

I would also clarify that it is difficult for XXXX victims to find out if their request had been properly submitted and received if there is no online acknowledgment or even an email confirming dispute submission. This is very deceptive and unhelpful to the process for victims who are legally protected by a guaranteed timeframe for dispute review under the 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 explanation
Consumer complaint received 2025-07-03 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 am deeply troubled by a late payment reflected on my credit report, which I strongly believe to be inaccurate. I have always managed my accounts with diligence and am confident that this payment was made on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of XXXX XXXX of debt bondage. I have made the company aware of this. There are a multitude of accounts on y consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-07-03 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: NJ

Complaint narrative:
This report is being submitted due to incorrect information appearing on my credit report. Equifax verified that a system error caused my personal details to be exposed and used fraudulently. I have been denied credit as a result, and I am requesting that this issue be corrected within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am filing a formal complaint against Midland Credit Management for what I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Midland Credit Management is reporting a collection account on my credit report that I believe is inaccurate, unverifiable, or possibly invalid. Under the FCRA, consumers have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Midland, as a debt collector and data furnisher, is required by law to : Conduct a reasonable investigation upon receiving a dispute Provide accurate and complete information to the credit reporting agencies Cease collection and remove the tradeline if the debt can not be properly validated I have previously requested debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and to date, Midland has failed to provide adequate documentation proving the debt is mine and that the amount is correct. 

This account is damaging my credit and is being reported without proper validation, which is a violation of federal law. I respectfully request that the CFPB investigate this matter, and that Midland Credit Management be held accountable and required to : Provide complete and verifiable proof of the alleged debt, or Immediately remove the account from all consumer credit reports ( XXXX XXXX XXXX XXXX ) Thank you for your time and assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-07-03 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: TX

Complaint narrative:
I am writing to dispute a collection account listed on my credit report which was never reported by the original creditor. This sudden appearance of a third-party collection, without prior reporting or contact from the original creditor, raises significant concerns about the validity and handling of this debt.

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