vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: MS

Complaint narrative:
I am disputing this payment history as inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ) Section 611. At no point have I received documentation proving the validity of this alleged delinquency, and to my knowledge, the record being reported is either outdated, incomplete, or otherwise inconsistent with my payment activity.Specifically late payments.As all payments were drafted, timely. 
I am requesting a full reinvestigation of this account. Unless the late payment can be verified with complete and accurate documentation, including timestamped internal logs or notices from the creditor, this information must be removed immediately from my credit report. 
Please provide me with the results of your investigation, along with the name and contact information of the furnisher that verified the data. If your system continues to report unverifiable payment history, I reserve the right to escalate this to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further review. 
Thank you for your attention to this matter. 
Best regards, Send this to all 3 credit bureaus : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
Can you examine this entry closely? It seems delayed and potentially incorrect.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: I.C. System, Inc.
State: MI

Complaint narrative:
Checking all XXXX  of my credit reports I noticed I have multiple accounts that is fraudulent and need to be removed and deleted immediately due to so many violations of my credit law

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NJ

Complaint narrative:
I am filing a complaint against TransUnion for reporting inaccurate and unverified information regarding a XXXX XXXX XXXX XXXX account. TransUnion completed its reinvestigation by stating that the furnisher verified the information, but TransUnion has not provided any documentation or evidence supporting the reporting. 

Under the Fair Credit Reporting Act, TransUnion is required to : ensure maximum possible accuracy of all information ( FCRA 607 ( b ) ) conduct a reasonable reinvestigation of disputed information ( FCRA 611 ( a ) ) review all relevant information I submitted delete information that can not be verified with documentation TransUnion did not conduct a reasonable reinvestigation. They simply relied on a furnishers automated response rather than obtaining actual proof or validating the information they continue to publish about me. 

TransUnion did NOT provide : the signed retail installment contract the payment ledger the repossession, deficiency, or recovery documents the detailed accounting showing the balance claimed any notices required under applicable law any documentation proving the accuracy of the data they are reporting If TransUnion can not produce documentation supporting the account, then under FCRA 611, they are required to delete it. A furnisher certifying accuracy is not verification under the law. 

Desired Resolution : I am requesting that the CFPB require TransUnion to either : XXXX. Obtain the full validating documentation from XXXX and properly verify the account, or XXXX. Permanently delete the XXXX XXXX account from my TransUnion credit file for failure to verify and failure to ensure maximum possible accuracy.

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 2025-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: DC

Complaint narrative:
I am trying to get a deferment during my period of unemployment. My federal student loan service provider, Aidvantage, has a technical glitch in its software that does not allow you to 'submit ' online. On XX/XX/XXXX, I identified the problem and alerted the company via the chat function. I was told to try a different browser or submit the request via mail. I tried using XXXX XXXX, XXXX, and XXXX XXXX  on both mobile and desktop versions, on my phone and laptop. None of these options worked. On XX/XX/XXXX, I followed up with their customer service about the problem. I was given the same list of alternatives. On XX/XX/XXXX, I tried XXXX browser options again, but none worked. Therefore, I believe there may be an intentional effort on the part of the federal student loan service provider to keep this button from working so that borrowers are not able to go into deferment. I believe they are putting up hoops to jump through so people give up. This would increase their profitability, while harming the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 not responsible for these accounts ; deletion within 15 days is required in accordance with USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-09 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 a consumer seeking to correct inaccuracies in my credit report. Please review the following accounts that I dispute, categorized by account type and separated by credit bureau. 

Charged Off Accounts 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened in my name. Ive taken all the proper steps filed police reports, contacted the credit bureaus, and notified the creditors yet these false accounts remain on my report. Its deeply frustrating and unfair. Im simply asking for whats right : to have my identity restored and the inaccurate information removed so I can move forward with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
A Credit card account from NAVY FCU in the amount of {$7400.00} was opened on XX/XX/year> that I did not open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In reviewing my credit report, I discovered multiple hard inquiries that I did not authorize, did not consent to, and did not initiate. No permissible purpose exists for these inquiries, as required under FCRA 604. I never provided written authorization, did not submit applications with these companies, and I did not knowingly grant access to my credit file. 

The following inquiries appear on my TransUnion report without my authorization : Unauthorized Hard Inquiries : XXXX Inquiry Date : XX/XX/year> XXXX ( Finance ) Inquiry Date : XX/XX/year> XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XXXX XXXX, XXXX XXXX XXXX ( Auto ) Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> Under FCRA 604 ( a ) ( 2 ), a credit reporting agency must confirm permissible purpose before releasing consumer information. These companies have not produced any signed disclosures, completed applications, electronic consent logs, or proof of authorization showing I permitted these inquiries. 

I have never received any documentation validating these inquiries, and they continue to remain on my credit report knowingly and inaccurately, which constitutes willful noncompliance. 

These inquiries are negatively impacting my credit profile, and since no permissible purpose exists, they must be removed 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 explanation
Consumer complaint received 2025-12-09 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: KY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
XXXX filed XXXX lawsuits against me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX even though I was never legally served. The court docket for both cases clearly states UNSERVED next to the citation. Despite this, XXXX proceeded with litigation, requested substituted service that I never received, and then obtained judgments against me without me ever receiving proper notice. 

This violates my right to due process and is an unfair and deceptive practice under the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692d, 1692e ( 2 ), 1692e ( 10 ), and 1692f. Suing a consumer without legally serving them is considered sewer service, which is illegal under federal and Texas law. 

I am a one-hundred percent disabled XXXX XXXX XXXX XXXX and my only income is VA XXXX compensation, which is exempt from collection under 38 U.S.C. 5301. JBLLC knew or should have known that attempting to enforce a judgment against exempt veteran income is unlawful. 

I have filed a Motion to XXXX XXXX for improper service in the XXXX XXXX. I am requesting that the CFPB investigate XXXX and XXXX  XXXX XXXX for pursuing litigation and obtaining judgments without proper service, and for attempting to collect a debt through unlawful litigation methods. 

I request that XXXX and XXXX  XXXX XXXX vacate the judgments, stop all collection activity, close the accounts, correct their records, and provide written confirmation that no further legal or collection action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
Dear Sir/Madam, I am disputing the following accounts on my credit report for accuracy. Below are the details of the disputed accounts : CHARGED OFF : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1400.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On or about XX/XX/year>, I attempted to send {$750.00} through Cash App to a family member for rent. Due to an apparent application glitch or malfunction, the payment was sent to an unintended recipient. I immediately requested a refund through the app. The recipient declined the refund and then blocked me. I contacted Cash App customer support the same day and filed a dispute for the transaction. Cash App informed me they were unable to return the funds and stated that the review process could take up to 10 business days ; however, no resolution has been provided. Despite reporting the issue promptly and explaining that the payment resulted from an app error, I remain unable to recover the funds or receive meaningful assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: NY

Complaint narrative:
I need to stress that this complaint is not a mistake. My credit report contains multiple accounts that are not being reported with maximum possible accuracy, which is required under the FCRA. These inaccuracies continue to affect me in ways you can not begin to imagine, adding unnecessary stress during an already difficult time. It has been exhausting and overwhelming dealing with errors that should not be present on my report in the first place.

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 2025-12-09 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: TX

Complaint narrative:
Review the materials provided ; the questions were received without prior notice and could be unapproved.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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