vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
This complaint is filed because Equifax failed to conduct a reasonable reinvestigation of a disputed item, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The bureau is willfully relying on information furnished by XXXX XXXX XXXX XXXX ( XXXX  ) that is demonstrably inaccurate, incomplete, and contradictory on its face. 
The Bureau 's Failure to Investigate Contradictory Data : 1. Inaccuracy : The report simultaneously shows the account status as 'Paid by Dealer ' yet the detailed payment history contains multiple 'Not Paid ' marks ( XXXX XXXX ) and a 0 % on-time payment history. The account can not be both settled/paid and delinquent during the same period. The bureau failed to investigate this internal contradiction.

2. Incompleteness/Misleading Nature : The report is causing lenders to classify the item as a severe repossession event, preventing me from getting necessary auto financing. Yet, the furnisher, XXXX, has previously stated in writing that " XXXX XXXX did not repossess the vehicle. '' ( See Attached XXXX  Response ). The bureau 's failure to resolve the discrepancy between the reported credit damage and XXXX  's own statement violates their duty to report complete information. 
I have notified the bureau and the furnisher of these specific, material contradictions, and the bureau has failed to reasonably investigate. I demand the immediate and permanent deletion of the XXXX  tradeline from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: AZ

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX  days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
I am requesting a formal review and reinvestigation of the information being furnished on my TransUnion credit report. Some items may be inaccurate or not properly verified. Please validate all data below and correct or remove any information that is incomplete, outdated, or unverifiable according to FCRA standards. 

CHARGED-OFF ACCOUNTS ( TU ) XXXX  Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$180.00} XXXX XXXX  Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$480.00} INQUIRIES ( TU ) XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX LATE PAYMENTS ( TU ) XXXX  LEND Acct : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was applying for a refinance on a new vehicle. The loan was in the amount of XXXX. I have a XXXX XXXX XXXX and long standing work history along with a high salary and low debt to income ratio. I called to check the status of my loan after unfreezing my credit report and I was told by the Navy Federal contact center person that the loan officer would not approve my loan unless I had a co-signer neither her nor the loan officer gave a reason why. This feels very discremenatory I have had a relationship with Navy Federal for 5 years and have never defaulted on a loan and I have had consistent direct deposit with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TN

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: NJ

Complaint narrative:
In XXXX, my daughter attended XXXX XXXX. We took out a parent loan in the amount {$27000.00}. 

I've been paying {$440.00} per month since the time of the loan with the exception of the covid pause. 

I have paid more than {$65000.00} on this loan. 

I don't think I should have to pay any more. 

The Loan number is AID VantageXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to a completely accurate credit report. I am requesting that these accounts be reviewed, and if their accuracy can not be verified, they should be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
This creditor has engaged in abusive, deceptive, and unfair practices prohibited under the Fair Debt Collection Practices Act ( FDCPA ). Per 15 U.S. Code 1666b, I did not receive a billing statement at least 21 days before the reported late payment, which qualifies as a billing error. Also, under 15 U.S. Code 1605 ( a ), if a finance charge is assessed, it represents the full cost of creditincluding all feesmeaning a late payment can not lawfully be assessed on an already-paid balance. Penalizing me in this way violates federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
CFPB, I am submitting this complaint against Aldous & Associates regarding their handling of my account related to a gym membership debt that I have already paid in full. After resolving the balance with them, I was contacted by Aldous & Associates and was specifically asked if I wanted my gym membership reinstated. I responded affirmatively and expected to receive follow-up communication confirming the reinstatement or outlining any necessary next steps. 

However, after I replied confirming that I did want the membership reinstated, I never received any further response from Aldous & Associates or the affiliated gym. I have since made reasonable efforts to confirm the status of my account, but the company has failed to follow up, provide written verification of my paid balance, or offer any resolution regarding my membership reinstatement. 

This lack of communication and closure is unacceptable and potentially misleading. It gives the impression that payment of the debt would result in reinstatement, yet after fulfilling my financial obligation, I have been ignored. Consumers should not be left uncertain after paying debts in full, nor should they be led to believe that account privileges will be restored if the company has no intention of honoring that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NC

Complaint narrative:
I am requesting TransUnion to conduct a full reinvestigation of the information listed below. As a consumer working to correct my credit, I am concerned that certain accounts are not being reported accurately or fairly, and may not fully comply with the FCRA or proper Metro-2 reporting standards. I ask TransUnion to validate each entry properly and correct or remove anything that can not be fully verified. 

Accounts in Dispute Charged Off Creditor Account # Date Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} Late Payments in Dispute These late payments may be inaccurate and require proper verification. 

Creditor Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: MD

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF XXXX U.S.C. XXXX ( B ) AND XXXX ( D ) ( XXXX ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-10 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: AZ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: OH

Complaint narrative:
I am disputing the reporting of multiple items on my Equifax credit report that appear to be inaccurate, incomplete, or unverified. I am requesting a full reinvestigation. If Equifax or the furnishers can not validate these accounts with proper documentation proving accuracy, I am requesting immediate correction or permanent removal. 

CHARGED-OFF ACCOUNTS ( EQ ) The following accounts appear questionable and XXXX not be reporting accurate or verified information. Please validate or delete if unverifiable : XXXX  Acct : XXXX | XX/XX/XXXX | {$1100.00} XXXX Acct : XXXX | XX/XX/XXXX | {$3800.00} XXXX XXXX Acct : XXXX | XX/XX/XXXX | {$1900.00} XXXX  XXXX Acct : XXXX | XX/XX/XXXX | {$4100.00} XXXX  XXXX Acct : XXXX | XX/XX/XXXX | {$3000.00} XXXX  Acct : XXXX | XX/XX/XXXX | {$2300.00} XXXX Acct : XXXX | XX/XX/XXXX | {$0.00} XXXX Acct : XXXX | XX/XX/XXXX | {$7200.00} INQUIRIES ( EQ ) The inquiry below appears questionable and XXXX not have been authorized. If validity can not be proven, please delete : XXXX XX/XX/XXXX LATE PAYMENTS ( EQ ) If the late payment reporting below can not be fully verified with complete records, I request removal : XXXX Acct : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: CA

Complaint narrative:
On Saturday XX/XX/scrub>, 2025 I transferred money to my cash app account and when I went to withdraw the money it said insufficient funds. So I transferred more money to my cash app account. I went to withdraw the money and it said insufficient funds. When I went back on my cash app account the money that I just transferred onto my cash app account was gone. When I go look at my transactions it shows when I transferred the money but doesn't show where the money went to. I talked to support on the app and they said it went to the merchant that declined the transaction which was the ATM. On Monday I called and the lady I talked to told me that it went back to my other card. Which it did not go back to my other card. It doesn't just go back to the card unless I transfer it myself. They will not give me my money that they stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: AL

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 am requesting a proper investigation of the accounts and items listed below appearing on my Experian credit report. Some items appear inaccurate, duplicated, or not updated correctly. I am only asking for what is fair, accurate, and verifiable. 

Charged-Off Account in Dispute Creditor Account XXXX  Date Amount XXXX XXXX XXXX XX/XX/XXXX {$1900.00} Inquiries Under Review Several of these inquiries occurred in clusters within the same dates, which raises concern. I would like these inquiries to be verified for permissible purpose. 

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

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 2025-11-10 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: NC

Complaint narrative:
I am respectfully requesting Equifax to conduct a proper reinvestigation of the items listed below. I am a consumer who is simply trying to fix my credit, and I believe some of these accounts may be inaccurate, incomplete, or not being reported according to the Fair Credit Reporting Act ( FCRA ). I am asking Equifax to verify each account, and if any information can not be fully proven to be accurate and complete, I request that it be corrected or removed to ensure fair reporting. 

Accounts in Dispute Charged Off Creditor Account # Date Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$12.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00} SXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} Inquiries in Dispute These inquiries are being disputed because I do not recognize them and/or they were not authorized. 

Company Date XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payments in Dispute These late payment entries may be inaccurately reported and require proper verification. 

Creditor Account 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
this is my second time writing this issue. I sent your company a claim last month, and I was very clear about which accounts were fake. There are still accounts on my credit report that shouldn't be there. Your company 's carelessness is making me stressed out and hurting my mental health. I have already told you about the fake accounts and added my ID and social security number, which I will do again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase and XXXX authorized purchases against my knowing. They gave me a credit and than took it back .They never got in contact with merchant

Company response to consumer: Closed with explanation