vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Federated Student Loan Services
State: NJ

Complaint narrative:
Since XXXX I have had reached out to the federal student aid with the federal borrow defense program department due to the fact finding out that my loans were put into debt collection by the XXXX XXXX who is the loan server. This information came to surprise since when I put in the application, it also put a checkmark box for temporary forbearance while its being waiting on for it to be reviewed and investigated. When I contacted the customer service through both conversations, I was getting different information each time saying they went to the wrong department. They dont know why this happened but I am in forbearance and then what other saying its up to add financials to make this information they should have all the information which wasnt the case since XXXX XXXX who is the loan servicer has no idea about the application or any of that information for some reason so when I reached out to try to have that information sent over, I kept getting sent over around and around to the point where a customer service that they can not help me to make it look plain online to get better help in which I did, but it went in circles where no one reached out about the actual problem I requested to be resolved with and asked to even speak to someone higher because the matters were not being taken seriously to the point where my credit and account is being ruined in the process, I even discussed the severity of this because right now Im also looking for a home and how my credit is now destroyed because of these matters and making my search really hard to do so. The customer service via email are no longer responding and customer service on the phone has not been able to help me. Im getting now left on read with no response even with follow up emails. I have no idea how to make this better or to get the right person to fix the issue. I try to resolve as best I could. I reached out for two months straight or even longer.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified XXXX XXXX accounts appearing on my credit report. The accounts I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The information reported does not match my records, including dates, balances, transfer history, and servicing details. I requested verification from the credit bureaus, but they have not provided proper documentation or evidence that the reporting is accurate. Under the FCRA, information must be accurate and fully verifiable, and the bureaus must perform a reasonable reinvestigation. The accounts are also not marked as disputed, which is required under FCRA 1681i ( c ). If any third-party collector or servicer is reporting these loans, they have not provided validation as required under FDCPA 809 ( b ). I am requesting the CFPBs assistance to ensure the credit bureaus and the furnisher comply with the FCRA and FDCPA by providing proper verification or removing these accounts if they can not verify them.

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 2025-12-16 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: MA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX -- Balance : {$21000.00}

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 explanation
Consumer complaint received 2025-12-16 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: TN

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-16 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: WA

Complaint narrative:
Equifax Information Services LLC continues to violate the Fair Credit Reporting Act after receiving proper identity theft documentation and after prior CFPB involvement. 

On XX/XX/year>, I filed an FTC Identity Theft Report ( FTC ID # XXXX ) and submitted a certified identity theft blocking request to Equifax pursuant to FCRA 605B. My submission included my FTC Identity Theft Report, government-issued photo ID, and proof of address. Equifax received this documentation multiple times via certified mail. 

Under FCRA 605B ( b ), Equifax was required to block all identity-theft-related information within four ( 4 ) business days. Equifax did not do so.

Instead, Equifax unlawfully treated my 605B identity theft block request as a standard reinvestigation under 611, issued reinvestigation results, contacted furnishers, and continued processing disputed tradelines. This conduct is expressly prohibited under FCRA 605B ( c ) ( 2 ).

After a prior CFPB complaint, Equifax represented that certain items were not reporting and that it was unable to verify my identity. These representations are false and contradicted by Equifaxs own subsequent correspondence and by my current Equifax credit report dated XX/XX/year>. 

As of XX/XX/year>, my Equifax credit report still shows identity-theft-related accounts reporting as charge-offs, including XXXX XXXX and XXXX accounts, and includes active dispute and reinvestigation codes ( e.g., Consumer Disputes Reinvestigation in Process ). This proves Equifax continues reinvestigations instead of applying the required identity theft block. 

Equifax also issued reinvestigation result letters dated XX/XX/XXXX and XX/XX/year>, confirming that it contacted furnishers and verified information after receiving my identity theft documentation. These letters constitute documentary evidence of post-notice violations.

Equifaxs conduct constitutes ongoing violations of FCRA 605B ( b )
and 605B ( c ) ( 2 ), as well as continued furnishing of identity-theft-related information after notice. This is not a dispute accuracy issue ; it is a failure to comply with mandatory identity theft blocking requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Mortgage Research Center, LLC
State: IN

Complaint narrative:
This XXXX XXXX  should not have been approved or closed. The VA fee appraisal failed to enforce Minimum Property Requirements ( MPR ) and contains factual errors. VA later indicated the case remained pending because required repairs were never cleared ; there is no structural-engineer clearance and no appraiser Form 1004D completion in the file. After closing we discovered : foundation settlement/sinking ; chimney bearing on dry-rotted wood with mold migrating into HVAC ; interior stairs/landing/guards that are extremely loose with inadequate guard/handrail height and anchorage ( extreme fall hazard ) ; both decks are structurally unsafe to walk on ; two large crawlspace jacks are propping the floor near the HVAC where an oversized/poorly vented A/C rotted the sill/subfloor ; four failed downspouts discharging at the foundation ; moisture/ventilation defects ; and widespread deteriorated exterior surfaces and carpenter-bee damage. Lender/SAR personnel relied on seller photos/patches to clear conditions and allowed the loan to close. 

Specific appraisal data issues ( value impact ) : Site acreage was changed : the appraisal reports XXXX acres, while assessor/MLS show about XXXX acres. Inflated land size increased indicated value and distorted comparable adjustments. 
Comparable selection/adjustments favored superior or out-of-area comps and lacked adequate downward adjustments for larger acreage and better condition, producing a conclusion aligned to the amount needed to close rather than the as-is, MPR-compliant condition. 
Features/condition misstatements : the report references appliances/features that were missing or non-functional at closing ( e.g., refrigerator not working ; no washer/dryer/microwave/dishwasher ). It minimizes the loose/unsafe stairs and inadequate guard/handrail height, fails to call out both unsafe decks, and ignores that temporary jacks are supporting the floor near the HVAC due to rotall of which should have triggered global MPR conditions and an engineer letter. The jacks and deck hazards are visible in the photo sets.

Drainage conditioning was inadequate : only one failed downspout was required, though at least four were visibly discharging at/near the foundation in the appraisers own photos. unsafe decks ; crawlspace jacks under HVAC-rotted area ; foundation ; chimney/rot ; loose/inadequate stairs/guards ; mold ). Acreage correction ( 0.92 ac vs 2.00 ac ) and MLS vs URAR comparison.

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 2025-12-16 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:
b'The current info doesnt match my actual financial actions. Please take another look and correct the errors.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
Re : Complaint against representative of IQ data International , Inc.

Date/time of the call : XX/XX/XXXX, at XXXX PST I am filing a complaint regarding harassment, intimidation, and improper debt collection practices from a collector of IQ data International , Inc . 

During the call on XX/XX/XXXX, at XXXX PST, the collector : - Threatened to mark my record and report me to credit bureaus, claiming I had refused to pay, even though I clearly stated I intended to pay on XX/XX/XXXX. 
- Pressured me to borrow money from friends, family or take out a loan to pay immediately. 
- After asking for validation of the debt it stated I could dispute the debt, but I still had to pay today, which is false and misleading. 
- Refused to provide written verification of the debt, instead giving only verbal verification. 
- Engaged in an intimidating and coercive tone when I repeated I couldn't make a payment today, which made me feel harassed. 

I have a recording of the last minute of the call, which demonstrates the collectors intimidating tone, and I have the exact date and time of the conversation. I am aware the collector should have a full recording of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
They all are reporting debit is not owed CEASE AND DESIST DEMAND To : XXXX XXXX Jefferson Capital Systems XXXX XXXXXXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> Subject : Formal Demand to Cease and Desist All Collection Activities To Whom It May Concern, This letter serves as a formal notice and demand that you immediately CEASE AND DESIST all collection activities, communications, and reporting related to any alleged debts associated with my name or credit profile. 

I, XXXX XXXX, do not acknowledge any valid debt owed to your organizations. Any continued attempts to contact me, report to credit bureaus, or pursue collection without proper legal validation will be considered harassment and a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Florida Consumer Collection Practices Act ( FCCPA ), and other applicable laws.

You are hereby instructed to : 1. Cease all phone calls, letters, emails, or other forms of communication.

2. Provide written verification of any alleged debt, if you believe one exists.

3. Refrain from any further collection efforts unless legally substantiated.

4. Remove any unverified or inaccurate information from all credit reporting agencies.

Failure to comply with this demand will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Florida Attorney Generals Office, and may lead to civil litigation for damages and legal fees. 

This letter is written without prejudice and does not waive any rights or remedies available to me under the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: SC

Complaint narrative:
I am submitting this complaint because my credit reports with Experian, Equifax, and TransUnion contain widespread inconsistencies, conflicting data, and inaccurate reporting across multiple accounts that have not been uniformly corrected or updated despite my review and good-faith efforts to understand my credit profile. The same accounts are reported with different balances, dates of last activity, dates reported, delinquency histories, and even reporting presence depending on the bureau, which makes it impossible for my credit file to reflect a single accurate financial history. For example, XXXX account XXXX shows a balance of {$470.00} with 30-, 60-, and 90-day late payments on both Experian and Equifax, yet the dates of last activity and reporting differ significantly between bureaus. XXXX XXXX account XXXX appears with a balance of {$1800.00} and multiple delinquency levels across all three bureaus, but each bureau reports different activity dates, and older XXXX-balance versions of the same account show late payments on Experian and TransUnion while Equifax lists the account in good standing. Additional accounts such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) appear on only one or two bureaus while being absent from others, or show conflicting late payment histories and reporting timelines that can not all be accurate at the same time. XXXX XXXX accounts XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX further demonstrate inconsistent balances, delinquency reporting, and dates of last activity, including one instance where a balance is reported on TransUnion while other bureaus reflect a XXXX balance. These discrepancies indicate failures by furnishers and credit reporting agencies to ensure information is complete, accurate, and consistently updated as required under the Fair Credit Reporting Act, including FCRA 611, 623 ( a ) ( 2 ), 623 ( b ), and 15 U.S.C. 1666 and 1666a. As a consumer, I am being harmed by the continued reporting of conflicting and unverified information, and I am requesting regulatory assistance to ensure that all data is properly investigated, corrected, and updated so that my credit reports accurately reflect verified information across all bureaus.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
Had an issue with fraudulent activity on the payment platform ( XXXX ) that led to a fraudulent charge from my Charles Schwab checking account. I reached out to XXXX and Schwab to notify them of the fraudulent transaction.

After Schwab changed my checking account number and replaced my checks and debit card they locked me out of accessing my checking account until I source a XXXX party antivirus software on my XXXX, XXXX, and XXXX. The manufacturer of my phone, laptop, and tablet ( XXXX ) does not offer an antivirus software. Charles Schwab does not provide an antivirus software. Therefore Charles Schwab is requiring me to purchase and use a 3rd party antivirus software that is not sanctioned or approved by XXXX or Charles Schwab to digitally access my checking account. 

Requiring me as a banking customer to spend money on an unsanctioned antivirus software to digitally access my bank account violate Dodd-Frank Section 1033 that was finalized in XX/XX/2024 that explicitly prohibits banks from charging fees for establishing or maintaining digital connection to my checking account. Banks can not prohibit customers from accessing their own banking information. 

Additionally, making me pay for a third party service to access my checking account violates Unfair, Deceptive, or Abusive Acts or Practices regulations enforced by the CPFB. It is unfair and unreasonable to impose costs on me as the banking customer by requiring me to spend money on a third party non approved antivirus software to access my checking account. It is abusive as it requires me to assess the security of third party antivirus software offerings in the marketplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I purchased a payment plan from XXXX It was for a trip to XXXX. Prior to the couple months leading up to this trip XXXX XXXXXXXX happened. The trip happened right in the peak of XXXX XXXX  and all XXXX XXXX was shut down. I canceled the hotel and flight and they are still charging me and sent my case over to claims. I never went on the trip and no money was spent. This is affecting my credit.

Company response to consumer: Closed with explanation