vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was in person making a house payment early on XX/XX/XXXX which was an early payment for the XX/XX/XXXX. XXXX XXXX XXXX XXXXXXXX did not apply the payment until 50 days later which was XX/XX/XXXX. I have emailed XXXX over 30 days ago and they refuse to fix my credit report. I called and made a verbal complaint yesterday. I make payments early and they consistently do this and have improper amounts of interest and apply late charges. I pay early and I go in person and I am on camera making payments early.

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 2025-04-02 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: CT

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: MD

Complaint narrative:
The purpose of this comolaints to discuss the correlation of events that led to the damage of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on approximately XX/XX/XXXX. 
On that date an employee of XXXX XXXX XXXX XXXX XXXX came to my home at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and dragged my vehicle while repossessing. I contacted XXXX XXXX XXXX who advised me of the redemption amount and where it was located. On XX/XX/XXXX I sent a cashier 's check via the next day in the amount of {$4100.00}. On XX/XX/XXXX I then wired an additional {$2900.00}. I kept constant communication with the skip agent ( see attachment ). On XX/XX/XXXX on a recorded line as specified by the agent, I was advised that my car should not have been repossessed. That balances under a certain threshold go to collections and that a " glitch '' in the system did not remove it from repossessed status. She then advised me that my car would be returned. On XX/XX/XXXX my car was returned to my home and immediately I noticed it looked different. The back was full of rocks on the hitch and the car looked unstable. On XX/XX/XXXX I reached out to the original agent ( ironically I can't get in touch with her anymore ) and a gentleman initially attempted to place ownice on me. He then conferred with " leadership '' and advised XXXX " has insurance for these types of things and to report these damages to them. 
Once I had the finances I had it towed to XXXX XXXX XXXX XXXX XXXX  where there listed the following ; GOOD EVENING, WHILE DOING YOUR OIL CHANGE WE NOTICED SEVERAL PARTS ON YOUR XXXX ARE DAMAGED. 

HERE IS A LIST IF ITEMS THAT NEED TO BE REPLACED DUE TO IMPROPER TOWING : FRONT SWAY BAR AND LINKS ( DAMAGED ) FRONT LEFT AND RIGHT LOWER CONTROL ARMS LOWER ENGINE PAN ENGINE AND RADIATOR BOTTOM COVERS ARE BROKEN. 


IF YOU HAVE ANY QUESTIONS PLEASE FEEL FREE TO REACH OUT. 

THANK YOU, XXXX XXXX XXXX XXXX XXXX At this juncture what is the next course of action from XXXX and XXXX XXXX XXXX. I know I am dealing with two separate issues but the primary issue is to repair my vehicle that was not supposed to be picked up, if it was it wouldn't have been returned. I look forward to your timely response and enjoy your XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experians annihilating my credit report ( dated XXXX XXXX XXXX ) with three fraudulent closed accounts and one collection accountXXXX XXXX ( " Closed, {$170.00} past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " Collection account, {$640.00} past due as of XX/XX/XXXX '' ). These derogatory marks are tanking my FICO Score XXXX ( XXXX ) and my ability to rebuild credit, despite no open accounts or public records dragging me down. The CFPB crushed Experian on XX/XX/XXXX, with a {$15.00} XXXX fine for sham investigationstossing consumer evidence, parroting furnisher lies, and recycling trash ( XXXX XXXX XXXX XXXX XXXX These accounts are unverifiable : XXXX XXXXXXXX lacks XXXX XXXX payment history ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX repossession lacks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection has no original delinquency XXXX ( XXXX XXXX XXXX XXXX XXXX to verify its XXXX reporting limit ( 15 USC 1681c ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if delinquent before XXXX XXXX XXXX XXXX9. Experians violating FCRA ( 15 USC 1681i ) and Metro 2Ill sue under 15 USC 1681n and hit the furnishers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 1681s-2 ( b ) if this isnt fixed now.

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 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AK

Complaint narrative:
On XX/XX/year>, I attempted to send money through Cash App, but the transaction was blocked without any clear explanation. I contacted Cash App Support multiple times asking why it was blocked. However, they only responded with vague statements about security measures and refused to provide any specific details.

Eventually, they sent me a final response stating that the decision could not be changed or explained further, despite my repeated efforts to get a clear answer. I have not been accused of any wrongdoing, and no unusual activity was identified on my end.

Their refusal to be transparent or escalate the matter has caused significant frustration and inconvenience. I am requesting a full explanation for the block and a proper review of this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TN

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern at the CFPB : I am filing this complaint regarding the reporting of a XXXX XXXX account on my TransUnion credit report. This account, while fully paid and closed, continues to reflect negative and punitive remarks, including : Status : Paid Repossession Delinquency : 120+ Days Late Reported by : TransUnion only ( XXXX and XXXX have removed this account following disputes ) Date Closed : XXXX XXXX  Highest Balance : {$20000.00} Account Number ( last four ) : XXXX This account was closed after a period of hardship caused by the economic impacts of the COVID-19 pandemic. During this time, many consumers, myself included, were under severe financial strain due to circumstances outside of our control. 

Despite the hardship and eventual resolution of the debt, the account continues to carry language like repossession and 120+ day delinquency, which severely and unnecessarily impacts my ability to move forward financially. These remarks do not reflect my current financial position, nor do they offer any constructive information to potential lenders. 

I believe this reporting violates the spirit of the FCRA, especially post-pandemic, and may violate the Fair Debt Collection Practices Act ( FDCPA ) by continuing to publish derogatory information that no longer serves a justifiable purpose. 

Furthermore : XXXX and XXXX have already deleted this tradeline. 
TransUnions continued reporting of inconsistent and negative data suggests either improper reinvestigation or failure to update records per FCRA 623 ( a ) ( 2 ).

This continued derogatory reporting punishes a consumer who has resolved the account, without offering accurate or helpful financial insight to future creditors. 
Request : I respectfully request that the CFPB help ensure this account is either : Removed in full, or Updated to reflect a positive status such as Paid as agreed or Paid closed in good standing and that all severe delinquencies and repossession labels be removed. 
This complaint is being submitted in good faith, and I am simply asking for fair, updated reporting that reflects current law and guidance intended to help Americans recover post-pandemic. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
BACKGROUND My student loan was transferred to Aidvantage in 2023 and at which time it was in good standing with the previous lender. 
The loan was set up on automatic payment and therefore never had a need to contact the lender. 
SITUATION When the loan was transferred to Aidvantage, I was not informed via email, physical mail, telephone, or text. 
Since I was not aware that the loan had been transferred and I was not aware I needed to make updates to my payment method. 
This resulted in my loan going into automatic forbearance the entire time it has been with Aidvantage. 
ISSUE Within the last few months there was a change, and the loan went from forbearance to default and resulted in a negative impact to my credit score.

Again, I was not informed that this loan was delinquent and was not contacted by any creditors or given an opportunity to correct the issue before it was reported to the credit bureau ACTION TAKEN Immediately upon seeing the impact to my credit score, I was able to track down my account with Aidvantage and brought my account current I paid the outstanding balance of {$530.00} I set up a recurring payment plan of {$130.00} to prevent this issue from ever happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the deletion of inaccurate information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a dispute on XXXX  ], and as of today, more than 30 days have passed without resolution. According to the FCRA, Section 611 ( 15 U.S.C. 1681i ), a credit reporting agency must complete an investigation within 30 days or remove the disputed information. 


I am requesting that Experian remove the fraudulent credit card accounts and associated collections from my credit report. Experian must also cease reporting these fraudulent accounts to other bureaus and creditors and provide written confirmation that they have been removed. I have attached a copy of the police report as evidence of the identity theft. Given the clear proof of fraud, Experian 's continued reporting of these accounts is unlawful and is causing me significant harm. If this matter is not resolved promptly, I will escalate my complaint to the Federal Trade Commission ( FTC ) and consider legal action for violations of federal consumer protection laws. 
I expect Experian to comply with its legal obligations and remove these fraudulent accounts immediately. Please confirm receipt of this complaint and provide an update as soon as possible.

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 2025-04-02 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: RI

Complaint narrative:
I am formally disputing the accuracy and completeness of the above-referenced accounts currently appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a detailed investigation into each of these entries. After reviewing my credit report, Ive found the following violations and inconsistencies :

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 2025-04-02 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: GA

Complaint narrative:
Im reaching out regarding an issue with incorrect information on my credit report. After reviewing the details, I noticed a discrepancy that needs to be corrected immediately. This information is not only inaccurate, but its also affecting my credit score and overall financial standing.

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 2025-04-02 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: IL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 2025-04-02 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: GA

Complaint narrative:
Im writing to bring to your attention a serious issue with my credit report. It appears that my information is being mixed with someone elses, and there is an account listed that does not belong to me. This mix-up is affecting my credit and needs to be resolved as soon as possible.

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 2025-04-02 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:
Request for CFPB Assistance : Removal of Fraudulent Account and Compensation for Damages I, XXXX XXXX XXXX XXXX, request your urgent assistance with a fraudulent collection account ( # XXXX ) by XXXX XXXX XXXX on my credit report from TransUnion, Experian, and Equifax. I have no contract with XXXX, making this debt invalid and its reporting illegal, yet it remains, damaging my credit score and financial opportunities.

Why Its Unlawful FCRA ( 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 1 ) ( A ) ) : CRAs must ensure accuracy and investigate disputes, but theyve failed to remove this unverified, non-contracted debt.

FDCPA ( 15 U.S.C. 1692e ( 2 ) ( A ), 1692e ( 8 ) ) : XXXX deceptive reporting of a false debt is prohibited. 

MCPA ( Md. Code, Com. Law 13-301 ( 1 ) ) : This is a deceptive trade practice.

MCDCA ( Md. Code, Com. Law 14-202 ( 8 ) ) : Qualia cant enforce a non-existent debt.

IRS ( 26 U.S.C. 6050P ) : If canceled via Form 1099-C, reporting it is unlawful.

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