vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX re-aged a debt from XXXX by removing it from my credit report and then re-reporting the same account days later as if it were new. This account was already subject to a court judgment and wage garnishment, and I have been making biweekly payments. The account was removed from Equifax on XX/XX/XXXX, then re-added on XX/XX/XXXX, which is clearly an attempt to reset the delinquency clock. 

This is deceptive, manipulative, and a violation of FCRA Section 605 ( c ), which prohibits re-aging old debts. I believe this may also be an act of retaliation since my wage garnishment may have paused while Im on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Servicer under contract with Federal Student Aid
State: AL

Complaint narrative:
Department of Education XXXX to XXXX Company is cosnstanly changing my balance and not responding to my disputes.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Its was supposed to be standard payment XXXX XXXX payment now XXXX being charged extra fees and interest. They wont allow to pay just on principle. Ive requested extra payments be applied to principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
Multiple student loan accounts from XXXXDept of Education are reporting severely delinquent payment histories on my credit report, including multiple XXXX late entries from 2019. I have disputed these accounts in the past and also sent a written request for validation and correction to XXXX at XXXX XXXX XXXX, XXXX, XXXX. 

Despite my repeated attempts, the company has failed to verify the accuracy of the late payments or provide documentation showing I was properly notified of these defaults. These accounts are still reporting negatively, and no resolution has been made. Some of these loans have even been in a paused status due to federal protections. 

This continued negative reporting without verification is a violation of the FCRA. I request that the delinquent history be removed or updated to reflect current protections and that XXXX provide all required documentation validating these late entries.

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 2025-06-08 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:
Multiple student loan accounts from XXXXDept of Education are reporting severely delinquent payment histories on my credit report, including multiple XXXX late entries from XXXX. I have disputed these accounts in the past and also sent a written request for validation and correction to XXXX at XXXX XXXX XXXX, XXXX, XXXX. 

Despite my repeated attempts, the company has failed to verify the accuracy of the late payments or provide documentation showing I was properly notified of these defaults. These accounts are still reporting negatively, and no resolution has been made. Some of these loans have even been in a paused status due to federal protections. 

This continued negative reporting without verification is a violation of the FCRA. I request that the delinquent history be removed or updated to reflect current protections and that XXXX provide all required documentation validating these late entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion Subject : Dispute of Inaccurate Credit Reporting XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Dear TransUnion I am writing to dispute inaccurate information listed on my credit report regarding the following account : Creditor : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX Account Type : Collection Balance : {$290.00} Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX Account Status : Derogatory Collection/Charge-off Comments : Account information disputed by consumer, meets FCRA requirements. 
I am formally requesting a reinvestigation of this account under the Fair Credit Reporting Act ( FCRA ). I do not acknowledge the validity of this account as reported and request the following : Documentation validating that this account is accurate and belongs to me, including the original signed agreement and itemized billing statements. 
The legal basis for continuing to report this account as a charge-off or collection account. 
If verification can not be provided, I request this item be deleted from my credit report immediately. 
Additionally, I noticed that this account reflects no payment history or date of last payment, and yet is marked active and derogatory. This inconsistency raises further concerns about the accuracy of the reporting. 

Please complete the investigation within 30 days and notify me of the results in writing, including the name and contact information of the entity that verified the information, or confirmation that the item has been removed. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-06-08 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account ( XXXX ), has violated my rights. 
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.

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 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Avant Holding Company, Inc.
State: TN

Complaint narrative:
I recently opened an investigation into several missed payments on my account that resulted in fraud. I asked this company to perform their due diligence and look into fraudulent charges that went on to be reported as missed payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The company has not provided me with the results of the investigation and seems to have added more negative marks as a result of the investigation. This company also has made it difficult to get any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: EdFinancial Services
State: NC

Complaint narrative:
Tried to log on to edfinancial to fix my missed payments that were deferred. Unable to log in or make an account because they dont have any of my information in their system. How am I able to make payments when Im not allowed to access my account???? Unable to get a real person when calling. Hold times are consistently long. Never received an email or piece of mail about said payments. Horrible account management experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
I disputed the late payments reported on my Experian credit report for a XXXX XXXX account, citing my rights under the Fair Credit Reporting Act ( FCRA ). Rather than simply updating the payment history, Experian removed the entire account, then reinserted it weeks later without proper notice or explanation.

I was never notified within the required 5 business days of the reinsertion, as outlined under FCRA 611 ( a ) ( 5 ) ( B ). I only discovered it had been added back when my score dropped significantly.

Experian later sent a vague letter implying that I either misrepresented the dispute, agreed the item was blocked in error, or received goods/serviceswhich I did not. I never requested the tradeline be blockedonly the inaccurate payment history.

I have repeatedly requested documentation of how the account and related inquiries were verified. Experian has failed to provide : The method of verification ( MOV ) The documents used to verify the account The name and contact information of the verifier This lack of transparency and failure to follow the law is harming my credit profile and financial opportunities.

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 2025-06-08 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: Westlake Services, LLC
State: NJ

Complaint narrative:
XXXX XXXX re-aged a debt from XXXX by removing it from my credit report and then re-reporting the same account days later as if it were new. This account was already subject to a court judgment and wage garnishment, and I have been making biweekly payments. The account was removed from Equifax on XX/XX/XXXX, then re-added on XX/XX/XXXX, which is clearly an attempt to reset the delinquency clock. 

This is deceptive, manipulative, and a violation of FCRA Section 605 ( c ), which prohibits re-aging old debts. I believe this may also be an act of retaliation since my wage garnishment may have paused while Im on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
Approximately XXXX weeks later, I received a notice that the account ( s ) had been verified as accurate. However, I was not provided with any evidence, documentation, or explanation to support this outcome.

It is my understanding that, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit bureaus are required to conduct a reasonable reinvestigation when a consumer files a dispute.

The bureaus response strongly suggests that no meaningful reinvestigation occurred. Based on industry knowledge and recent legal cases, it is common practice for the bureaus to verify disputes using automated databases such as XXXX or e-Oscar, rather than contacting the original creditor or examining documentation. 

This process does not meet the standard of a lawful reinvestigation, as required by federal law. Without direct verification from the furnisher and without reviewing actual documents, the dispute can not be deemed properly resolved. 

I believe the bureau failed to comply with its obligations under FCRA, and I am requesting that this matter be reviewed by the CFPB. The disputed accounts should be : Fully reinvestigated using original source documentation, or Deleted if no documentation can be provided.

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 2025-06-08 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: IL

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Family Educational Rights and Privacy Act ( FERPA ), and CARES Act 4021. I invoke the protections of : 15 U.S.C. 1681c-2, 1681e ( b ), 1681i ( a ) ( 1 ), ( 5 ) & ( 7 ), 1681s-2, 1681c ( a ) ( 6 ) 20 U.S.C. 1232g ( b ) ( FERPA ) 15 U.S.C. 1692g ( FDCPA validation ) I dispute the accuracy, completeness, and verifiability of the items listed below and demand their immediate blocking or permanent deletion. Some entries stem from identity-theft activity and must be blocked under 1681c-2.

( Table of the nine negative items and statutory violations remains unchanged. ) FERPA CONFIDENTIALITY & DATA-BREACH NOTICE My personal and financial information affiliated with my federal student loans was compromised and disclosed without my authorization. FERPA ( 20 U.S.C. 1232g ) requires strict confidentiality of student records. Your failure to safeguard this data constitutes a direct FERPA violation and a breach of your duty to protect my personally identifiable information. Given the severity of this breach and the resulting compromise to my personal and financial security, I demand that you immediately cancel and discharge the affected student-loan debt and remove every related derogatory entry from my credit 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 2025-06-08 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: IL

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Family Educational Rights and Privacy Act ( FERPA ), and CARES Act 4021. I invoke the protections of : 15 U.S.C. 1681c-2, 1681e ( b ), 1681i ( a ) ( 1 ), ( 5 ) & ( 7 ), 1681s-2, 1681c ( a ) ( 6 ) 20 U.S.C. 1232g ( b ) ( FERPA ) 15 U.S.C. 1692g ( FDCPA validation ) I dispute the accuracy, completeness, and verifiability of the items listed below and demand their immediate blocking or permanent deletion. Some entries stem from identity-theft activity and must be blocked under 1681c-2.

( Table of the nine negative items and statutory violations remains unchanged. ) FERPA CONFIDENTIALITY & DATA-BREACH NOTICE My personal and financial information affiliated with my federal student loans was compromised and disclosed without my authorization. FERPA ( 20 U.S.C. 1232g ) requires strict confidentiality of student records. Your failure to safeguard this data constitutes a direct FERPA violation and a breach of your duty to protect my personally identifiable information. Given the severity of this breach and the resulting compromise to my personal and financial security, I demand that you immediately cancel and discharge the affected student-loan debt and remove every related derogatory entry from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Summary : I have been unable to access or withdraw funds from my Coinbase account since XX/XX/XXXX. The account was locked and flagged as " protected for my benefit '' without meaningful explanation or resolution. 

Details : I have spent over eight hours on chats and calls with Coinbase support. During that time, I provided all requested identity documents, completed a live photo verification, submitted an address change confirmation, and reverified my ID multiple times.

Despite these efforts, I have not regained access to my funds, nor have I received a timeline or specific resolution steps. The lack of communication and withholding of funds without just cause appears to be a violation of my consumer and financial rights.

Coinbase has cited security reasons without any further clarity or follow-up, even though I have fully complied with their verification process. I have repeatedly requested escalation and direct contact from a decision-maker, with no success.

I am concerned that this is not an isolated issue and may reflect systemic delays or obfuscation in returning customer funds.

I am requesting immediate intervention to restore access to my funds or to compel Coinbase to provide a clear, verifiable reason for the delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-08 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: IL

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Family Educational Rights and Privacy Act ( FERPA ), and CARES Act 4021. I invoke the protections of : 15 U.S.C. 1681c-2, 1681e ( b ), 1681i ( a ) ( 1 ), ( 5 ) & ( 7 ), 1681s-2, 1681c ( a ) ( 6 ) 20 U.S.C. 1232g ( b ) ( FERPA ) 15 U.S.C. 1692g ( FDCPA validation ) I dispute the accuracy, completeness, and verifiability of the items listed below and demand their immediate blocking or permanent deletion. Some entries stem from identity-theft activity and must be blocked under 1681c-2.

( Table of the nine negative items and statutory violations remains unchanged. ) FERPA CONFIDENTIALITY & DATA-BREACH NOTICE My personal and financial information affiliated with my federal student loans was compromised and disclosed without my authorization. FERPA ( 20 U.S.C. 1232g ) requires strict confidentiality of student records. Your failure to safeguard this data constitutes a direct FERPA violation and a breach of your duty to protect my personally identifiable information. Given the severity of this breach and the resulting compromise to my personal and financial security, I demand that you immediately cancel and discharge the affected student-loan debt and remove every related derogatory entry from my credit 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 explanation
Consumer complaint received 2025-06-08 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:
Hard inquiry on my credit dated XX/XX/2025. This was NOT initiated by me. This is identity theft. I have not applied for any credit since XX/XX/2025. I asked TransUnion to remove this hard inquiry from my credit report but they said I need to first obtain a dispute report from FTC. FTC says that I need to first dispute with TransUnion which I have done.

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 2025-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: WV

Complaint narrative:
I was locked out of phone with app Contacted cash app they had me add a new account now wont link them they XXXX. Of my money I linked a debit card with my name I created another like they told me to. I asked what I need to do asked to unlock existing account. Offered to send the copy of Drivers License with my current picture. They put you on hold forever and say they cant help. My cash tag is $ XXXX

Company response to consumer: Closed with explanation