vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
i sent transunion, equifax, and experian letters on XXXX XXXX disputing the inaccurate information they are reporting on my credit report, it has been past the 30 days required by the fcra to respond. It is a violation of 15 usc 1681i, 15 usc 1681n, and 15 usc 1681o. I sent a 2nd round of letters on XXXX to all 3 agencies and they haven't responded yet. i am requesting that the inaccurate information be deleted from my credit report ASAP or i will move to 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 explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
I am filing a formal complaint against Aidvantage for reporting fabricated payment activity on federal student loans ( specifically dated XX/XX/year>XXXX  ) and denying me access to my online account to view or manage the loans. 

These loans are now appearing on my credit report and have caused my score to drop significantly, impacting my ability to obtain financing. I never made or authorized the reported payment, and Ive sent debt validation and credit dispute letters with no response or supporting documentation from Aidvantage. 

The attached XXXX XXXX  contains : Credit report screenshots Federal Student Aid dashboard Detailed dispute letters I request that you investigate these false entries, correct all inaccurate payment records, restore my credit, and ensure I receive proper portal access to manage my federally owned loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account Name : XXXX  XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
Please see attachments. These credit reporting agencies have been illegally reporting information to my credit report without my consent. These actions are violating my right

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 2025-06-13 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: GA

Complaint narrative:
Please see attachments. These credit reporting agencies have been illegally reporting information to my credit report without my consent. These actions are violating my right

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 2025-06-13 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: MA

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 2025-06-13 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: GA

Complaint narrative:
I requested the companies to either modify, fix or delete inaccurate reports on my credit according to 16 USC 1681 I5 I am submitting this formal complaint regarding inaccurate, incomplete, or unverifiable information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). This communication serves as notice of potential multiple violations related to one or more accounts reported to the credit reporting agencies ( Equifax, XXXX, and XXXX  ).

Account Details ( Example ) : * Creditor : [ Creditor Name ] * Partial Account # : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] XXXX Reporting Agencies : [ Equifax, XXXX, XXXX  ] * Dispute Status : [ Include if any show as disputed or not ] * Date Opened/ Closed : [ Provide if known ] * Status and Balance : [ Describe any inconsistencies ] FCRA Violations ( List ) : - 602 : Purpose and intent of consumer protections- 603 : Definitions of accuracy and completeness - 605 : Reporting obsolete information ( older than 7 years or 10 years for bankruptcies ) - 605B : Blocking information resulting from identity theft - 606 : Investigative consumer reports without proper notice - 607 ( b ) : Failure of CRAs to ensure maximum possible accuracy - 609 ( a ) : Right to full file disclosure upon request - 611 ( a ) : Failure to investigate disputed information within 30 days - 611 ( b ) : Failure to notify consumer of reinsertion of deleted information - 611 ( c ) : Failure to provide results of reinvestigation - 611 ( d ) : Failure to delete or correct inaccurate, incomplete, or unverifiable info - 611 ( e ) : Failure to notify furnishers of dispute - 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information - 623 ( a ) ( 2 ) : Failure to update and correct information - 623 ( a ) ( 3 ) : Failure to report accounts as 'disputed ' after consumer notification - 623 ( a ) ( 5 ) : Re-aging accounts improperly - 623 ( b ) : Duty of furnishers to investigate disputes forwarded by CRAs - 615 ( a ) : Adverse action notification failure - 615 ( b ) : Improper use of consumer report without proper certification Requested Resolution : - Conduct a full investigation into each listed violation. 
- Provide written results and supporting documents. 
- Remove or correct any unverifiable, inaccurate, or outdated information. 
- Ensure all CRAs reflect synchronized and accurate data. 


Thank you for your prompt attention to this matter. I have included supporting documentation for your review. Please respond within the FCRA-mandated timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
Collection Account. XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor. XXXX XXXX XXXX XXXX 

I was wrongly charged in that situation. I was supposed to get trained for free in order to work for XXXX, but I had to live on the first day of the training do to some emergency. I lost a love one XXXX. I was only present on the first day of the training.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: VA

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any inquiries not later than 4 business days after receipt. Also, the information provided on some inquiries is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: MA

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 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 non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed the inaccurate reporting of a XXXX  XXXX XXXX account multiple times with TransUnion. Despite several rounds of disputes and requests for investigation, the account remains on my credit report without proper verification. I have never authorized this account to be included in my consumer report, and its continued presence violates the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy. 

TransUnion has responded to prior disputes using vague language such as verified or meets reporting standards, without providing any documentary evidence to justify the continued reporting. This is non-compliant with 15 U.S.C. 1681i ( a ), which requires the deletion of any information that can not be verified after reinvestigation. Furthermore, the repeated failure to remove this accountdespite multiple legitimate disputesshows a pattern of noncompliance and negligence.

This account has caused measurable financial harm, including the denial of credit and higher interest rates. I am requesting regulatory intervention to compel the deletion of this account from my report as it is inaccurate, unverifiable, and being reported in violation of federal 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 non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I placed two separate orders with XXXX : XXXX for {$150.00} ( paid via XXXX ), and XXXX for {$290.00} ( paid via XXXX ). 

I received my {$150.00} order without issue. However, my {$290.00} order, which included 19 items plus a pair of shoes, was falsely marked as " delivered '' I never received this package.

I have video footage from the delivery date showing only one package was delivered the smaller {$150.00} package not the {$290.00} order. The delivery photo XXXX is using as proof is of the smaller package and is clearly incorrect. 

I have reached out to both XXXX and their courier, XXXX, numerous times without resolution. XXXX has failed to respond, and XXXX refuses to provide a refund or replacement despite clear evidence that the {$290.00} order was never delivered. 

Additionally, I have found numerous consumer reports online indicating that XXXX frequently marks packages as delivered that are not actually delivered. 

I am requesting that this issue be investigated and that XXXX be required to issue a full refund for the order I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00} DPT EDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$5000.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} DPT ED/XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$5000.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8100.00} DPT ED/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00} DPT EDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$5000.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} DPT ED/XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$5000.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8100.00} DPT ED/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2600.00}

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 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against cash app due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection ACT Specifically, cash app failed to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer ACT and Regulations E. These actions have caused significant inconvenience and financial loss. And I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

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 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 2025-06-13 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: MA

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 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 2025-06-13 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: MA

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 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 2025-06-13 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: Verisk Analytics Inc
State: TN

Complaint narrative:
My identifying information was stolen during the XXXX  data breach. Numerous people took advantage of my credit scores and opened several unauthorized accounts in my name. Please assist me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
Unfortunately, I'm a victim of the Equifax Data breach and several unauthorized accounts are reporting to my profile. This situation is very inconvenient and having negative effects on my life. Please delete and block these accounts from my profile.

Company response to consumer: Closed with explanation