vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I am currently a student from XXXX, who was suppose to graduate XX/XX/year>. 

I

was approved for financial assistance through FAFSA, yet the school claims I owe a {$20000.00} balance and is refusing to provide a clear explanation or breakdown of the charges. Ive made multiple attempts to contact XXXX through email, phone calls, and in person, but no one has given me a direct answer. The schools director previously told me a third-party agency responsible for collecting FAFSA funds never followed through, and advised me to apply for a XXXX loan to cover the balance. He assured me that if I wasnt approved, he would arrange a payment plan.

Ive since followed up to request that plan after being denied the loan, but the school has stopped responding. I am now being blocked from taking my exit exam, and this is affecting not just me, but several other students in similar situations.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
What happened : I placed an order ( Order # XXXX ) totaling {$1000.00} with the company, which included XXXX items such as door knobs, wallplates, and hinges. The order was marked as shipped in XX/XX/year> via XXXX  Ground, with multiple tracking numbers provided ( e.g., XXXX, XXXX, XXXX, XXXX ). At that time, my shipping address was XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 

Despite the order being marked " completed, '' I never received the package. I contacted the merchant to report the missing delivery, but they were unhelpful and refused to offer a refund or replacement. As a result, I filed a dispute with my credit card company, explaining that the goods were never received. However, my claim was wrongfully denied, possibly based on incorrect assumptions from tracking information, even though I never confirmed receipt nor signed for the package. 

I have since moved from the XXXX XXXX address to XXXX XXXX, NJ, but at the time of the order and the dispute, XXXX XXXX was my correct shipping address. Again, I want to make it clear that I did not receive any of the items, and I am now out over {$1000.00} for a product I never got. 

I am requesting a full refund of {$1000.00} since the items were not delivered to me, and the merchant did not fulfill their obligation to ensure proper delivery.

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 monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are several negative accounts ( closed and collection ) that are all sourced outside of the 7 year window. None of the accounts are bankruptcies, so they should not appear outside of the 7 year window. I have asked all XXXX bureaus to remove the accounts, but to no avail, and the collection agencies insist that they can report their accounts as new despite the debt having been sourced past 7 years ago.

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 2025-07-31 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-31 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/scrub>XXXX XXXX  I tried logging into my bank account with bank of America and were denied access to my account. It turns out that someone with an unknown email address according to Bank of America employees tried hacking my account information. Yet Bank of America failed to notify me of any unusual and strange activity due to me having fraud alerts and therefore Bank of America are liable for data breach. I can no longer log into my bank account without having to contact ( XXXX ) XXXX to get the code. I have reason to believe that someone working for Bank of America hacked my information because to change or update information the person would have to follow the necessary authenticity steps to do so. This unknown person with the email address XXXX also updated their contact information on my account to ( XXXX ) XXXX. Bank of America adhesion terms and conditions clearly establishes that Bank of America sells its investors personal information to conduct daily routine business operations and practices. If this wasn't enough, I was then meet with hostility from a bank of America employee over the phone when I attempted to resolve such matters involving damages inflicted upon me. The employee ( s ) become frustrated for having to continue issuing me codes to log into my account. I have recordings of the conversations to prove 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 2025-07-31 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN THIS MY LAST COMPLAINT BEFORE I FILE LEGAL ACTIONS AGAINST YOU ALL YALL GO GET TIRED BEING SUED... THIS COMPANY MERGING MY CREDIT WITH ANOTHER PERSON CREDIT FILE WITH ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX WITH THE SOCIAL SECURITY NUMBER OF XXXX SAME XXXX AND SAME NAME FROM WHAT THESE COMPANIES TELLING ME SO NO WONDER I CAN NOT LOG IN TO EXPERIAN XXXX CAN'T REACH XXXX ONE TO TALK TO THEM BECAUSE ITS UNDER THIS SOCIAL THAT IS NOT MY SOCIAL MY CREDIT HAVE BEEN MERGED AND I AM DEMANDING THIS COMPANY LAST TIME TO CORRECT THIS NEXT DISPUTE WILL BE A LAWSUIT FILED I SENDING PROOF AS WELL THAT EXPERIAN WEBSITE MY INFORMATION DO NOT MATCH FROM MY REAL INFO I UPLOADED MY DOCUMENTS IN THE UPLOAD SECTION ON EXPERIAN SEVERAL MONTHS AGO XXXX XXXX AND TIRED OF EXPERIAN

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved.

This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-07-31 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting the reinstatement of the above-mentioned accounts to my credit report. These are legitimate, paid accounts that were mistakenly removed due to a misinterpreted validation request not a fraud dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I noticed that TransUnion had not updated the information on my report in over two years, including a new job and location, which would have affected my income. including by debit to income ratio. i asked if I could dispute the information i was told no. However, it seems I can take adverse action.

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 2025-07-31 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: AR

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-07-31 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX {$0.00} -- XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$390.00}

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX has formally stated in a documented CFPB complaint response ( ID # XXXX ) that they do not recognize me, XXXX XXXX XXXX XXXX as their customer and therefore refused to respond to my dispute. 

Despite this official position, all three consumer reporting agencies are currently reporting a XXXX XXXX account under my name, which is now unsupported by the alleged furnisher and must be deleted in full under the Fair Credit Reporting Act. 

Please review the attached screenshot from CFPB complaint response showing XXXX XXXX  denial of any consumer relationship with me. 

This directly violates : 15 U.S. Code 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Reinvestigation required when an account is disputed 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Duty of furnishers not to report inaccurate information 15 U.S. Code 1681s-2 ( b ) ( 1 ) ( D ) Duty to delete when inaccurate or unverifiable The CRA is now in possession of irrefutable evidence that the furnisher refuses to verify or acknowledge the account, and must therefore delete the account immediately under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
XXXX XXXX has formally stated in a documented CFPB complaint response ( ID # XXXX ) that they do not recognize me, XXXX XXXX XXXX XXXX as their customer and therefore refused to respond to my dispute. 

Despite this official position, all three consumer reporting agencies are currently reporting a XXXX XXXX account under my name, which is now unsupported by the alleged furnisher and must be deleted in full under the Fair Credit Reporting Act. 

Please review the attached screenshot from CFPB complaint response showing XXXX XXXX  denial of any consumer relationship with me. 

This directly violates : 15 U.S. Code 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Reinvestigation required when an account is disputed 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Duty of furnishers not to report inaccurate information 15 U.S. Code 1681s-2 ( b ) ( 1 ) ( D ) Duty to delete when inaccurate or unverifiable The CRA is now in possession of irrefutable evidence that the furnisher refuses to verify or acknowledge the account, and must therefore delete the account immediately under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
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 : XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$17000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$2000.00} XXXX XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$330.00}

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 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
debt validation and verification of personal information and we had no response from the company

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation