vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding Prosper Marketplace , Inc.s continued reporting of late payments on my credit report despite documented hardship, a federal government shutdown, and Prospers own admitted cybersecurity breach involving my sensitive personal information. 
In XX/XX/year>, I notified Prosper of a XXXX  XXXX that required medical recovery and temporarily impacted my ability to manage financial obligations. Later in the year, from XX/XX/XXXX through XX/XX/year>, I was directly affected by the federal government shutdown, resulting in loss and delay of income beyond my control. 
Despite these circumstances, Prosper continued to report late payments. I am currently paid up under a formal repayment agreement with Prosper in which payments are current and remaining past-due amounts are deferred to the end of the loan. There are no ongoing delinquencies. 
On XX/XX/year>, Prosper notified me in writing that my Social Security number, date of birth, bank account information, and credit application data were accessed during a cybersecurity incident involving Prospers systems between XXXX and XX/XX/year>. This raises serious concerns regarding data integrity, accuracy of account records, and fairness of adverse credit reporting during the affected period. 
I contacted Prosper to request a goodwill and compliance-based review in light of : Documented medical hardship A federal government shutdown impacting income Prospers confirmed data breach involving my personal and financial data Prosper responded on XX/XX/year> with a generic statement asserting that the account was reported accurately and refused adjustment. Prosper did not address hardship accommodations, did not address the shutdown, did not address the data breach, and did not confirm whether reporting integrity was reviewed following compromised systems. 
Prospers refusal to meaningfully investigate or consider these factors constitutes incomplete dispute handling and creates ongoing consumer harm. Accuracy alone does not absolve a furnisher from its obligations to ensure fair, verifiable, and compliant reporting, particularly following a data breach involving sensitive consumer information. 
I am requesting regulatory review and intervention. I seek removal of the late payment notations associated with these hardship and breach-impacted periods and a written response from Prosper that substantively addresses these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX  all the major three credit bureaus I have made these dispute and he looks like the investigation was not good enough. They reported everything back into my credit when it doesnt belong to me. I try with all this credit bureaus. I even try to pay to remove this when it doesnt even even belong to me when I started out were XXXX. My score was going up and now out of the sun. My score is going down due to some things that I reported in my credit and they dont belong to me. I am reaching out to you guys to do a father and bigger investigation because I feel like theyre not really doing what they need to do to investigate further

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 2025-12-26 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: NC

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I just want to Follow up this complaint regarding multiple inaccuracies across my credit reports from TransUnion, Equifax, and Experian, specifically involving my accounts with XXXXXXXX XXXX XXXX XXXX XXXX  accounts show inconsistent balances, dates of last activity, and late payment reporting : TransUnion reports XXXX with a balance of {$6800.00} as of XX/XX/XXXX, Equifax reports XXXX with the same balance but last activity of XX/XX/XXXX and late XXXX and XXXX delinquencies, while Experian reports XXXX with {$6800.00}, last activity XX/XX/XXXX. Another set of XXXX  accounts has TransUnion showing {$14000.00}, Equifax {$1700.00} with late payments, and Experian {$14000.00} reporting late XXXX, XXXX, and XXXX  days. XXXX XXXX XXXX with last activity dates and reporting dates that differ across all three bureaus, ranging from XX/XX/XXXX to XX/XX/XXXX, despite the balance remaining {$380.00}. XXXX XXXX XXXX shows conflicting last activity dates, with TransUnion and Experian reporting XX/XX/XXXX, while Equifax reports XX/XX/XXXX, though the balance is {$0.00}. These discrepancies in balances, activity dates, and delinquency information create confusion, misrepresent my payment history, and may affect my ability to obtain credit fairly. I have attempted to verify these accounts and ensure accurate reporting, but the inconsistencies remain across all three major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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 just want to Follow up this complaint regarding multiple inaccuracies across my credit reports from TransUnion, Equifax, and Experian, specifically involving my accounts with XXXXXXXX XXXX XXXX XXXX XXXX  accounts show inconsistent balances, dates of last activity, and late payment reporting : TransUnion reports XXXX with a balance of {$6800.00} as of XX/XX/XXXX, Equifax reports XXXX with the same balance but last activity of XX/XX/XXXX and late XXXX and XXXX delinquencies, while Experian reports XXXX with {$6800.00}, last activity XX/XX/XXXX. Another set of XXXX  accounts has TransUnion showing {$14000.00}, Equifax {$1700.00} with late payments, and Experian {$14000.00} reporting late XXXX, XXXX, and XXXX  days. XXXX XXXX XXXX with last activity dates and reporting dates that differ across all three bureaus, ranging from XX/XX/XXXX to XX/XX/XXXX, despite the balance remaining {$380.00}. XXXX XXXX XXXX shows conflicting last activity dates, with TransUnion and Experian reporting XX/XX/XXXX, while Equifax reports XX/XX/XXXX, though the balance is {$0.00}. These discrepancies in balances, activity dates, and delinquency information create confusion, misrepresent my payment history, and may affect my ability to obtain credit fairly. I have attempted to verify these accounts and ensure accurate reporting, but the inconsistencies remain across all three major credit 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 non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payfare International Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX I was door dashing in XXXX XXXX when I received a order for a customer for XXXX  in XXXX as soon as accepted that order I received a call from a door dash number when I answered the guy said he was calling about the order named and said he was calling because he was cancelling the order because the guy used a fraudulent card and told me I'll still get paid for that order he asked for my phone number and last digits of my Dasher direct card he said he was gon na credit my account and took all my money off my card I lost my truck my place I lived in for over 2 years {$49000.00} in total

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Please conduct an investigation of these items, as required by the Fair Credit Reporting Act ( FCRA ), and remove or correct them as appropriate. Attached is a copy of my credit report highlighting the disputed entries, along with any supporting documentation that can assist in your investigation. 

Personal Information : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint regarding a charge of {$7.00} on XX/XX/year>, for a XXXX subscription through XXXX XXXX. I signed up for a 7-day free trial for {$0.00}, but my account was charged immediately, despite canceling autopay before the trial ended.

I submitted a dispute to PayPal ( Case ID : XXXX ) and provided clear evidence including : Screenshot of the {$7.00} charge Confirmation of autopay cancellation Despite this, PayPal sided with the merchant and denied my dispute, which I find unacceptable. I respectfully request that PayPal reconsider this case and i
ssue a refund of {$7.00}, as the charge was contrary to trial terms

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding the improper administration and credit reporting of my federal student loan in relation to Income-Driven Repayment ( IDR ) loan forgiveness. 
The loan was opened around XX/XX/2024 and is currently reported with a balance of approximately {$17000.00}. The loan is serviced by Aidvantage and reported on my credit report as a Department of Education account. 
Under current Department of Education policies, including the IDR account adjustment, borrowers are entitled to receive accurate tracking and credit for qualifying IDR months toward forgiveness. However, my account does not clearly reflect accurate or complete information related to repayment status, qualifying payment counts, or proper IDR credit. 
Specifically : The account shows missing or incomplete payment history There is no clearly defined monthly payment amount The reporting does not reflect whether periods of deferment, forbearance, or repayment are being properly counted toward IDR forgiveness There is no transparency showing how qualifying IDR months are being calculated or credited I have taken action by disputing the accuracy and completeness of this reporting with the credit bureaus and requesting verification. Despite this, the account continues to be reported without clear documentation demonstrating that IDR-eligible periods are being accurately tracked and applied as required by federal guidance. 
The Department of Education has publicly acknowledged widespread servicing and record-keeping failures related to IDR forgiveness tracking. As a result, borrowers have been harmed by inaccurate records, improper reporting, and lack of clear accounting of qualifying payments. 
I am requesting that the loan servicer and the Department of Education : Conduct a full review of my account under the IDR account adjustment Provide written confirmation of how qualifying IDR months are calculated Correct any inaccurate or incomplete reporting Ensure my account fully complies with IDR forgiveness requirements and federal consumer protection laws I am submitting this complaint to ensure proper application of IDR forgiveness rules and accurate credit reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint regarding unauthorized and improperly verified hard inquiries from XXXX XXXX XXXX XXXX that appear on my TransUnion credit report. 

My TransUnion report shows multiple hard inquiries from XXXX XXXX XXXX XXXX dated XX/XX/year> and XX/XX/year>. These inquiries are reported by TransUnion but are not reported by XXXX  or XXXX, creating inconsistent and inaccurate credit reporting. 

I did not authorize multiple hard inquiries from XXXX XXXX XXXX XXXX, and TransUnion has failed to provide any documentation proving that I gave permissible authorization for these inquiries. I previously disputed these inquiries and requested verification, including proof of permissible purpose such as a signed application, written consent, or documentation showing that I authorized these hard pulls. 

TransUnion did not provide any documentary evidence of authorization and simply continued to report the inquiries. 

Under the Fair Credit Reporting Act, a hard inquiry may only be reported if it was made for a permissible purpose. A consumer reporting agency can not rely solely on a furnishers assertion without ensuring the inquiry was properly authorized. Reporting inquiries that appear only on one bureau further demonstrates a failure to assure maximum possible accuracy.

By continuing to report these inquiries without documentation and without addressing the cross-bureau inconsistency, TransUnion has failed to conduct a reasonable reinvestigation and has failed to follow reasonable procedures to assure maximum possible accuracy. These inquiries are negatively impacting my credit profile and my ability to obtain credit.

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 2025-12-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-26 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: WA

Complaint narrative:
I am submitting this CFPB follow-up as my third formal dispute regarding multiple unresolved inaccuracies on my consumer credit report that remain despite my prior disputes and the documentation I provided. I am extremely frustrated that Equifax, TransUnion, and Experian have failed to correct or properly verify these accounts, allowing inaccurate and unverifiable information to continue damaging my credit profile and limiting my financial opportunities. This ongoing misreporting constitutes violations of the Fair Credit Reporting Act, including FCRA 611 ( 15 U.S.C. 1681i ) for failure to conduct a reasonable reinvestigation and FCRA 623 ( a ) ( 2 ) for failure to correct or update inaccurate information after notice of dispute. The following accounts remain inaccurately reported : XXXXXXXX XXXX XXXX XXXXXXXX ( Account No. XXXX ) with a reported balance of {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX ) with a reported balance of {$2300.00} ; XXXX XXXX ( Account No. XXXX ) with a reported balance of {$1400.00} ; XXXX ( Account XXXX. XXXX ) with a reported balance of {$2200.00} ; and XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs the original creditor with a reported balance of {$2300.00}. Despite repeated disputes, these accounts continue to appear with inaccurate, inconsistent, or unverifiable information, demonstrating a failure to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I Zelle money from one of my checking account to another checking account with a different bank and Zelle placed a hold on my funds for 5 days, starting for security reasons the was placed and that result caused me to have a {$100.00} late fee added to my rent with the possibility of an eviction. I contacted Zelle requested that my funds be released but they refused to release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Lengenuity LLC
State: IL

Complaint narrative:
I took out an auto loan and have consistently paid {$1000.00} every month on time, with a maximum of XXXX days delay on a few occasions. Despite these regular payments, my principal balance has never decreased. This suggests that the lender may have misapplied my payments or improperly allocated them, effectively preventing any reduction in the loans principal. I am bringing this to the CFPBs attention because I believe this is a servicing issue that needs to be investigated and corrected. I paid over XXXX XXXX dollars since XX/XX/XXXX and my vehicle was repossessed on XXXX XXXX XXXX and still received a bill for payment in XXXX as well 15 U.S.C. 1601 ( a ) Truth in Lending Act ( Purpose ) Requires meaningful disclosure of credit terms so consumers can understand the true cost of credit. 
15 U.S.C. 1638 Required disclosures for closed-end credit Mandates clear disclosure of how payments are applied, including interest, fees, and principal. 
12 U.S.C. 5531 Prohibition of unfair, deceptive, or abusive acts or practices ( UDAAP ) Prohibits lenders from engaging in practices that cause substantial consumer harm or obscure how payments are credited. 
12 U.S.C. 5536 ( a ) ( 1 ) ( A ) Unlawful acts Makes it unlawful for a covered person to engage in unfair, deceptive, or abusive acts or practices in connection with consumer financial products or services.

Company response to consumer: Untimely response