vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
My federal student loan was issued in XXXX while I attended XXXX XXXX XXXX. I withdrew after only a few weeks because I needed to work to help support my family, and I was never informed that stopping attendance would result in owing back the loan funds. I was under the impression that since this was financial aid and I stopped attending, I would not owe anything.

When I applied for financial aid in XXXX, I was fresh out of high school, very inexperienced, and filled out the application with the help of my older brother and staff at XXXX XXXX XXXX. Nobody explained to me that stopping attendance would still require me to repay the loan funds.

I was awarded both a subsidized and unsubsidized XXXX loan at the time. The unsubsidized loan was canceled in early XXXX with no balance, which I understand and have no dispute with. However, the subsidized loan was disbursed and is now showing as defaulted and unresolved.

The subsidized loan balance is only about {$1700.00}, but it has been reported in default, hurting my credit since XXXX. I was unaware of the consequences, I was never adequately counseled, and I never made enough money to realistically pay it back while supporting my family. I feel I was misled and failed by the process.

This debt has haunted me for years. It has caused me to be denied for housing, cars, and other opportunities. The continued negative reporting of this loan to the credit bureaus has caused me significant harm. I was only XXXX XXXX XXXX at the time ; who expects a kid to read and understand all the fine print when no one properly advises you?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below :

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 2025-07-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally demand immediate corrective action in response to your agencys failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning my recent identity theft dispute. Your handling of this matter has been grossly negligent and falls well below federally mandated standards. 
Violation of Consumer Rights Under Federal Law Neglecting to Conduct an Adequate Investigation ( FCRA 1681i ( a ) ( 1 ) ) Despite being provided with my FTC Identity Theft Report and supporting evidence, your agency failed to undertake a legitimate and thorough reinvestigation.

Simply overlooking credible proof does not fulfill your legal duty.

No Notification of Investigation Outcome ( FCRA 1681i ( a ) ( 6 ) ) As per the law, you are required to notify me of your findings within XXXX XXXX. To date, I have received no update, which is a clear breach of your obligations. 
Refusal to XXXX XXXX XXXX ( FCRA 1681c-2 ) Your agency is mandated to block identity theft-related information upon receiving proper documentation. Yet, the fraudulent accounts remain, damaging my credit and violating my rights.

Reinsertion of Deleted Items Without Proper Certification ( FCRA 1681i ( a ) ( 5 ) ) It has come to my attention that previously removed accounts have been reintroduced into my credit file without the proper legal process or notice. This is a serious violation. I am aware that lawsuits have been filed against credit bureaus for this exact misconduct as recently as last year. 
Precedent Cases That Establish Your Liability Legal precedent confirms your agency 's accountability when you fail to uphold FCRA standards : In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
XXXX Actions Required I am demanding that your agency take the following steps without delay : Launch a comprehensive and meaningful reinvestigation into the disputed fraudulent accounts. 
Send me a complete written explanation of the investigation and your conclusions. 
Immediately and permanently delete or block all identity theft-related accounts and data. 
If this is not resolved within the timeframe required under the FCRA, I will proceed with the following actions : File official complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Initiate legal proceedings to seek compensation as allowed under FCRA 1681n and 1681o, including statutory and punitive damages as well as legal fees.

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 2025-07-22 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: SC

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Experian, XXXX, and TransUnion for their continued failure to remove fraudulent and inaccurate accounts from my credit report, despite my identity theft report and multiple dispute attempts. These credit bureaus are violating my rights under the Fair Credit Reporting Act ( FCRA ) and must be held accountable for noncompliance. Their failure to investigate and correct these inaccuracies violates 15 U.S. Code 1681i, which mandates a proper reinvestigation of disputes. Additionally, their refusal to remove unverifiable information breaches 15 U.S. Code 1681e ( b ), which requires credit bureaus to maintain accurate consumer reports. Fraudulent & Inaccurate Accounts That Must Be Removed Immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian, XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX  - Experian and Transunion ) Credit inquiry : XXXX XXXX  ( Transunion ) Legal Noncompliance & Reinserted Accounts Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), if any of these accounts were previously removed but later reinserted into my credit report without proper written notification within five business days, this constitutes a direct violation of federal law. These failures align with past CFPB enforcement actions against Experian, Equifax, and TransUnion, demonstrating a pattern of negligence and noncompliance. See : XXXX Request for CFPB XXXX I formally request that the CFPB launch an investigation into these clear violations and ensure the credit bureaus are held accountable for their failure to comply with federal laws. If these issues are not resolved immediately, I will be forced to pursue legal action under XXXX XXXX XXXX XXXX and XXXX, seeking statutory damages, punitive damages, and attorney fees for willful and negligent noncompliance.

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 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : 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 XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2025-07-22 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-22 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below :

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 2025-07-22 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: FL

Complaint narrative:
I need you to look into the mistakes that is currently being reported on my credit report. It contains numerous errors that I can no longer ignore. Ive reviewed it thoroughly and there are fraudulent information that Ive never authorized nor benefited from. I demand for immediate correction of my file and I need you to make sure sure all my information is 100 % correct. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

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 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hello, I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, as per the provisions of 15 USC 1681b. Specifically, I believe you have disclosed or obtained my personal information without my written consent.

According to 15 USC 1681b, consumer reporting agencies like yours are mandated to obtain written consent from individuals before disclosing or obtaining their credit information. I assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter. I kindly request a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information. 
2. The specific sources from which you obtained my information, including the dates and nature of such disclosures.

3. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms.

Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA. 

Please consider this letter as a formal dispute under 15 USC 1681i. I kindly request a written response within 30 days as stipulated by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Thank you for your immediate attention to this matter. I eagerly await your prompt response and resolution of this dispute. 

Account name 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 2025-07-22 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: GA

Complaint narrative:
I just checked my Experian report and noticed 5 fraudulent accounts from XXXX XXXX. Please remove these fraudulent accounts from my credit report as I am a victim of identity theft and they are hindering my ability to get approved for credit. I have attached the required FTC Identity Theft Report and supporting documents to this complaint.

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 2025-07-22 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 2025-07-22 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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