vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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:
Dear Sir/Madam, I am writing to request that you remove child support information from my consumer report in accor-dance with Section 1681b of the Fair Credit Reporting Act.

Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which ( 1 ) is provided ( A ) to the consumer reporting agency by a State or local child support enforcement agency ; or ( B ) to the consumer reporting agency and verified by any local, State, or Federal Government agency; and ( 2 ) antedates the report by 7 years or less. 
I understand that child support information has been included in my consumer report, and I believe this information is in violation of the Fair Credit Reporting Act. I have not failed to pay overdue support, and this information is inaccurate and misleading. Therefore, I demand that you remove any and all child support information from my consumer report immediately. 
If this information is not removed promptly, I will take necessary legal action to ensure that my rights under the Fair Credit Reporting Act are protected. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: FL

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 XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX 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 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-16 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: FL

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 XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX 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 XXXX XXXX XXXX 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 2025-07-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates Federal Law and my rights 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 2025-07-16 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I received a hard inquiry from Barclays Bank on XX/XX/XXXX. I was notified by credit Karma. I called Barclays and they told me I had to call XXXX XXXX told me I need to file a FTC report. FTC gave me nothing but automated messages and so I went online, and FTC directed me here. I would like this hard inquiry taken off my credit report since I never authorized this!

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion is currently reporting inaccurate and misleading personal information on my credit file that does not reflect my actual identity, residence history, or employment. First, my legal name is XXXX XXXX XXXX, yet TransUnion has listed it incorrectly as XXXX XXXX, omitting the legally recognized XXXX XXXX. This is not a minor typographical issueit introduces a significant risk of identity confusion or file merging with another individual, especially given that this truncated name is widely used by others and increases the likelihood of mistaken identity on public and private databases. 

Second, my current and only address is XXXX XXXX XXXX, XXXX, NY XXXX, where I legally reside and receive all financial correspondence. However, TransUnion is still reporting outdated and invalid addresses including XXXX XXXX XXXX, XXXX, NY XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. I have not lived at these addresses in a long time, and they should no longer be associated with my profile. 

Most egregiously, TransUnion has listed XXXX XXXX XXXX as an employer of mine. I have never been employed by XXXX XXXX XXXX in any capacity. The presence of this employer on my file is not only factually incorrect but also deeply concerning given the sensitivity and possible assumptions associated with that institution. This raises alarming questions about how this erroneous employment data was sourced and how many other inaccuracies may exist because of similar procedural flaws. 

This type of error is not just clericalit is a direct violation of 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they include in a credit file. Reporting incorrect employment and outdated addresses shows a systemic lack of oversight and weak data validation procedures. Moreover, I have submitted disputes and received insufficient investigation into these issues, which violates 1681i ( a ) of the FCRA, requiring a good faith reinvestigation within 30 days of receiving a dispute. 

The emotional and practical impact of these inaccuracies can not be overstated. I have faced difficulties during employment screenings, mortgage applications, and other background checks that reference my TransUnion file. Ive had to explain inaccuracies that were not caused by my actions but by TransUnions failure to maintain an accurate and current consumer report. This has been humiliating, time-consuming, and mentally exhausting. The knowledge that a hospital Ive never worked for appears on my record has triggered unnecessary anxiety and suspicion in sensitive professional and financial settings.

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 2025-07-16 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: TX

Complaint narrative:
I reviewed my credit reports from TransUnion, Experian, and Equifax and identified several accounts that are inaccurately reported, outdated, or unverifiable. These errors are harming my credit profile and do not reflect my true credit history. Despite previous attempts to dispute these items, I have not received proper validation, verification, or correction. Issues include unvalidated charge-off accounts, duplicate listings with inconsistent statuses, and accounts showing late payments even though they were paid, settled, or are in good standing. Some accounts are unfamiliar or unauthorized, and others are marked as dispute resolved consumer disagrees without supporting documentation. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), yet unresolved errors remain, preventing me from accessing essential financial services such as housing and auto loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
The delinquent status on this account is incorrect and should not be there. Im asking for it to be disputed and changed to reflect a clean payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a XXXX  card account under an XXXX XXXX XXXX XXXX XXXX  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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NE

Complaint narrative:
Subject : Aidvantage Student Loan Servicer failed to provide timely notification of interest resumption I am a federal student loan borrower on the SAVE plan with Aidvantage. I was informed via chat that was initiated by me the borrower on XX/XX/year> that my loans are still in 0 % forbearance through XX/XX/year>, but interest will suddenly begin accruing again on XX/XX/year>. I came across it randomly in a XXXX Search. I have not received any formal documentatio
n, email, billing statement, or portal notice regarding this critical change -- -which is required under federal servicing guidelines. When I contacted Aidvantage, a representative admitted that no documents have been sent out, and explained this was because they just received notice themselves ( screenshot below ). 

This is not an acceptable explanation. Servicers are required by the Dept of Education to notify borrowers at least 21 days in advance of interest resumption or repayment changes. The failure to send such notice in a timely manner puts borrowers at financial and legal risk and I am blindsided now financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: AZ

Complaint narrative:
Last month I noticed a charge I didn't recognize in my Health Savings Account ( HSA ) through Fidelity XXXX. Their HSA accounts are managed by BNY Mellon, but I didn't know that at the time. The transaction date is XXXX. It was a {$94.00} payment to XXXX XXXX. 

I believed there was a small chance this charge may have been a result of getting a rescue inhaler from XXXX XXXX, but I saw the charge I had also from XXXX on the same account. When I called XXXX they also stated I should not have gotten a charge from XXXX. Furthermore, most of the charges in my Fidelity account have a transaction number starting with " XXXX XXXX  presumably because I live in Arizona and purchase medical care at XXXX XXXX XXXXhe charge I am disputing starts with XXXX XXXX. '' I called Fidelity and asked to submit a dispute and fraud investigation. They initiated that investigation, cancelled my HSA card, and sent me a new one. I later got a letter from BNY Mellon with a date of XX/XX/year> stating that their investigation shows the charge is valid and they would not refund the charge, and that I can request copies of the documents they used for their investigation. 

I called the number on the letter an estimated 3-5 times and left a voice mail at least twice. The number went straight to voice mail, whether I entered the extension or not. I never recieved a call back. 

I called Fidelity to ask them if there was anything that could be done. They gave me a number for BNY Mellon ( a different one than on the letter ) and also said they'll reach out to them and I can call them again if I don't hear anything by the middle of the next week. I did so, and called that BNY Mellon number the middle of the next week ( around XX/XX/XXXX ). The representative told me to wait the next two business days and if I don't hear back I can call again. I didn't hear back in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
As part of my usual routine, I checked my credit report, but this time I found unexpected discrepancies. I even refreshed my browser thinking it might be a temporary error, but the incorrect accounts still appeared. Given this situation, Im requesting that the documents I submitted be carefully reviewed so I dont have to worry about this happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : $

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 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I purchased a vehicle fromDotcom auto in XXXX, Virginia and financed it through Westlake financial services. After the purchase, I discovered the vehicle was defective and not in the condition the dealer represented. The car stopped working shortly after purchase and is currently inoperable, as confirmed by a certified XXXX XXXX XXXX. I believe the dealer knowingly sold me a faulty vehicle and failed to disclose material information about its condition. 

I tried resolving the issue directly with the dealer, but they have been uncooperative. XXXX disputing the transaction through my financing institution and requesting that the loan be reversed or canceled due to misrepresentation and potential fraud. 

XX/XX/year> I purchased a used vehicle from XXXX XXXX. 

XX/XX/XXXX The car began having starting issues. 

XX/XX/XXXX XXXX replaced the battery and returned the vehicle, claiming the issue was resolved. 

XXXX XXXX XXXX showed drivetrain malfunctions and check engine light. Despite multiple visits, the dealer only cleared codes without proper repairs. 

XX/XX/XXXX & XX/XX/XXXX Diagnostic reports revealed serious drivetrain failures. 

XX/XX/XXXX XXXX entered limp mode ; performance degraded severely. 

XX/XX/XXXX Vehicle became completely inoperable. XXXX of XXXX diagnosed a pre-existing timing chain issue ; repairs estimated at {$11000.00}. Warranty denied coverage ; dealer refused accountability. Im now stuck paying for a non-functional car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
See attachments. I woke up to a collections posted to my credit report. I had not previously been made aware of it. No phone calls, mail, email, or any other communications. I sent a letter asking for a breakdown or any other proof that the debt belonged to me and why I was not contacted beforehand to offer some sort of arrangement or anything else that collections agencies usually do. They had 30 days to get back to me or the account must be removed. They failed to do so. Its been nearly three months.

Company response to consumer: Closed with explanation