vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
Dear Federal Student Aid Representative, Formal Complaint Regarding Mishandled Student Loan Payments and False Default Reporting I am submitting this formal complaint regarding ongoing and unresolved errors with my student loan account currently serviced by Aidvantage ( Account XXXX  XXXX ). 

I made student loan payments through my bank that were successfully withdrawn, but these payments were never applied to my XXXX-serviced federal loans. Despite providing complete documentationincluding bank proof of payment, account screenshots, and repayment XXXX  has failed to correct my account or remove the erroneous default status on my federal student loans.. 

Over the past XXXX weeks, I have uploaded all requested documentation multiple times and spoken with several representatives, yet no corrective action has been taken. It appears that when XXXX assumed servicing of my loans, my loan consolidation and payment records were not properly transferred, resulting in duplicate accounts and false default reporting. 

XXXX  representatives have also claimed they can not locate my payment without an XXXX trace number, even though my bank has confirmed the transactions cleared. Their refusal to acknowledge the provided evidence has left me without resolution. 

This ongoing negligence has caused severe financial and emotional distress, including credit damage, inability to secure housing, and missed car XXXX  during the holiday season. This situation is entirely unacceptable and requires immediate federal intervention. 

I am requesting the following actions : XXXX. A full review and audit of my XXXX-serviced account and payment records. 
XXXX. XXXX removal of all false default notations and restoration of accurate payment history. 
XXXX. Written confirmation from both XXXX and Federal Student Aid confirming resolution. 
XXXX. Financial compensation for the stress, damages, and seized tax refunds caused by this prolonged mishandling. 

All supporting documentsincluding screenshots from my StudentAid.gov and XXXX accounts, and bank proof of paymentare available and will be uploaded upon request. They have already been mailed!! 

Thank you for your prompt attention to this matter. This has created an immense and unnecessary burden that needs to be corrected immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, WA XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-11-12 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: MS

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: OH

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-11-12 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: CA

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be maximally accurate. These errors are severely impacting me and continuing to cause significant negative effects that you can not fully comprehend. These are challenging times, and correcting or removing these inaccuracies would be a substantial relief.

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 2025-11-12 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( TransUnion Dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Experian Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ). Trans Union shows seven missed payments, which is in accurate with Experian report of six missed payments. And the biggest and accuracy is the fact that XXXX  does not report this account at all, which shows an increase in accuracy with all three credit bureaus in properly reporting this account. Trans Union shows seven missed payments, which is inaccurate with Experian report of six late payments. And the biggest inaccuracy is the fact that XXXX  does not report this account at all, which shows multiple inaccuracies with all three credit bureaus improperly reporting late payments for XXXX XXXX account # XXXX. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding my dispute submitted on XX/XX/, about the XXXX XXXX XXXX XXXX XXXXXXXX. The furnisher has already confirmed that it lacks the documentation necessary to verify the account and agreed to remove it. Despite this, Equifax continues to report the account and has failed to provide the written reinvestigation results within the required 30-day period under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 6 ) ( A ). This constitutes noncompliance with federal law and has caused ongoing harm to my consumer credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: WA

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
I'm sending this complaint because Ive identified multiple errors on my credit report that need to be corrected immediately. I take my credit and personal information seriously, and what Ive found is unacceptable. This letter serves as my formal request for you to investigate and remove the following : Inaccurate Addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : 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 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 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 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 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 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously submitted a written dispute to BANK OF AMERICA , N.A . dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), BANK OF AMERICA , N.A . has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since BANK OF AMERICA , N.A . did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure BANK OF AMERICA, N.A.s immediate compliance with FCRA requirements. 

BANK OF AMERICA , N.A . 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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am confused Bank of America offer credit card for build credit score. I applied one credit card with deposit from my money start with {$200.00} and show you prove I pay on time. After that I submit application then a few minutes later. They said denied without reason but they will send a letter to me. That s misleading and deceiving that s how I m confused. I struggle to improve my credit score for more than five years. I try finance auto and employment, general credit card and apartment. I am stuck with it. 

CFPB do something to bank of america please.

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 2025-11-12 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: GA

Complaint narrative:
On XXXX and XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my 15 U.S. Codes Section 1681i. It plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation. I feel the stress you caused me. My information was also impacted by the Equifax data breach and may have gone into the hands of the wrong person.

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 2025-11-12 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-11-12 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: IA

Complaint narrative:
In XXXX, XXXX, and XXXX, I sent certified letters asking that they either provide me with the legally required documents showing the information is accurate or to delete the information to which they did neither.

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 2025-11-12 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX -- Balance : {$9500.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$2000.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
I am a victim of Human Labor XXXX  according to the D.B.R.. 
In accordance with the Federal Law Reporting act. The List of accounts has violated federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681c. a5, 15 U.S.C. 1681s-2 A 1, XXXX XXXX AND XXXX  USES FORIEGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. THIS IS WHAT CAUSES HACKING AND DATA BREACHES. THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!! I presume that no proof of the alleged debt.in the fact therefore exist. Per the Fair Credit Reporting Act, Section 611 a 5, you have 4 days to investigate disputes. If you can not verify the information within the 4-day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified inquiries. XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CEASE AND DESIST DEMAND : Once notified of these actions, data furnishers by law must cease and desist all furnishment of any information of a particular name if demanded by the individual themselves. This is that demand. I hereby demand the following entities cease and desist all data furnishment to any record pertaining to me. 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 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 XXXX XXXX XXXX XXXX  THESE ARE ALL THE PARTIES RESPONSIBLE FOR ASSISTING OTHERS IN MY HUMAN LABOR XXXX!

Company response to consumer: Untimely response
Consumer complaint received 2025-11-12 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-11-12 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: LA

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 2025-11-12 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: CA

Complaint narrative:
am disputing inaccurate reporting on my TransUnion credit file for the account XXXX XXXX. The account was updated in XX/XX/year>XXXX  to show as Repossession, but it also shows a {$0.00} balance and closed status. This is inconsistent and misleading. The account should be reported as Paid/Closed {$0.00} Balance No Repossession. 

My payment history has also been altered multiple times, showing late payments that conflict with prior updates. I have requested verification and documentation explaining how these changes were verified, but TransUnion and the furnisher have not provided proof. 

I am requesting that TransUnion conduct a full reinvestigation under the FCRA and remove or correct all inaccurate information related to this account.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint against TransUnion, Equifax, and Experian for failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). Despite multiple written disputes, these credit bureaus have continued to report inaccurate and unverifiable information on my credit reports. It has been well beyond the legally allowed time for a reinvestigation, yet no valid documentation or verification method has been provided to justify the continued reporting of the disputed information. 

Their actions violate several provisions of the FCRA, including : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a statement of the method of verification.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of the information reported.

The credit bureaus have also failed to provide : Any documentation used to verify the disputed items. 

The method and procedures relied upon in the verification process. 

The names and contact information of the furnishers involved. 

These failures have resulted in ongoing harm to my credit reputation and financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation