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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Im reaching out because I went through the proper steps to dispute some inaccurate information on my credit report with Experian, but they did not handle the dispute properly or in accordance with the Fair Credit Reporting Act. 

XXXX XXXX XXXXXXXX Account Experian is still showing an account from XXXX XXXX XXXX XXXX Account # XXXX ) as open and 180 days past due, with a balance of {$13000.00}. I disputed this account because the way its being reported appears inaccurate and hasnt been verified. There has been no payment activity on this account since late XXXX, yet it is still listed as severely delinquent. 

Experian closed the dispute before the full 30-day investigation window and responded only that the creditor certified the information as accurate. No documentation was provided. There was no signed agreement, no account history, no supporting records nothing that demonstrates this information was properly verified. This does not meet the standard of a reasonable reinvestigation under FCRA Section 611 ( a ).

The presence of this unresolved and unverified account continues to harm my credit profile, lowering my credit score and affecting my ability to qualify for credit fairly. 

XXXX. Inaccurate Address I also disputed an address listed on my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Al XXXX which I challenged as inaccurate. I submitted documentation showing my current address, but Experian has continued to report the disputed address. They have not explained why it remains or how it was verified. This raises concerns under FCRA Section 607 ( b ), which requires maximum possible accuracy in reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: EQUIFAX, 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 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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Credit Karma, LLC
State: LA

Complaint narrative:
Credit Karma has held my funds for almost a week with no valid reason. Ive contacted support multiple times and still havent received a real resolution. I rely on this money for basic living expenses, and they continue to delay access without any clear explanation. 

I was told I needed to verify my identity to access my account, which I did. I also updated my phone number to my new one, and now they claim thats why Im restricted. However, I made that update on Thursdayits now Sunday, and I still cant access my funds. 

By access, I mean I can not view my virtual card details, transfer funds, or move my money in any way. This is unacceptable.

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: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
In XXXX, I took out federal student loans which went into default and were removed from my credit reports in XXXX after aging off per FCRA 605 ( a ) ( 5 ). In XXXX, those same loans were reinserted on my XXXX  report and marked as 90-120 days late, despite having no new legal contract or payment activity.

This is a violation of federal law for the following reasons : Illegal re-aging of obsolete tradelines ( FCRA 605 ( a ) ( 5 ) ) No reinsertion notice was provided ( FCRA 611 ( a ) ( 5 ) ( B ) ) Contradictory and inaccurate payment data ( e.g., {$0.00} paid with payment made entries ) violating FCRA 607 ( b ) Failure to reasonably investigate after I filed disputes with all 3 credit bureaus ( FCRA 611 ( a ) ( 1 ) ) Aidvantage responded to my prior CFPB complaint with a generic letter citing the Master Promissory Note ( MPN ) but did not validate the reporting or explain the re-aging. The accounts still show as newly delinquent in XXXX, more than a decade after the original date of default. 

I also mailed certified 10-day cure notices to XXXX, XXXX, and XXXX, demanding deletion under FCRA. No cure has occurred. 

I have now filed a small claims lawsuit in XXXX XXXX XXXX and am requesting full deletion of the accounts, compliance review, and enforcement action for Aidvantages repeated violations.

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: CA

Complaint narrative:
I have been disputing fraudulent accounts reporting for over a year now!!! With no resolution. Credit bureau keep saying its verified but wont supply the documents that show myself opened the account with my signature and etc

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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , Equifax, Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of {$3500.00}, personal credit card/ debt collection account opened at XXXX XXXX XXXX XXXX on XXXX under the account number ( XXXX ) with a balance of {$630.00}, a personal credit card account opened at XXXX card on XXXX under the account number ( XXXX ), with a balance of {$2400.00}, personal credit card/ debt collection opened at XXXXXXXX XXXX on XXXX under the account number ( XXXX ) with a balance of {$900.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX I was trying to pay for gas for my car and my card kept declining so I tried some where else and same results. When I had called them they had told me my account was closed. When I had asked why they had told me they couldnt give that information and they are taking it to the other team thatll get back to me thru email but no time frame in between not a reason to why they are holding my money Im not working atm and have XXXX kids and bills that Im late on now. I was calling for XXXX weeks straight and I had just got the same answer over and over they cant provide me with a reason why and they cant allow me access to my money, and I just have to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX to XX/XX/XXXX, i stayed at the XXXX XXXX XXXX, in XXXXXXXX XXXX For a XXXX XXXX vacation.The room was paid for on line for a discount. When i arrived at the hotel, the desk asked for a {$300.00} dollar security deposit for the room and said it will be refunded back to my cash App. Debit Card, when i checked out on XX/XX/XXXX. The Hotel said they released the hold on my {$300.00}, and it would be on my card in 5 to 7 business days and it did not refund. I called them back and they told me to call my cards bank and i did that, cash App said they will release the hold and its still pending on my debit card as of now XX/XX/XXXX XXXX still waiting for my refund and cash App, who is XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding Equifax 's failure to remove inaccurate and unauthorized information from my credit report, even after multiple formal disputes. 

First, I disputed late payments reported on my XXXX XXXX account. I did not dispute the account itselfonly the incorrect late payment history. Equifax continues to report these late marks ( 60, 90, and 120 days past due from XXXX and XXXX ), despite not providing any documentation or method of verification. 

Second, I have repeatedly disputed multiple XXXX, XXXX accounts that were opened without my knowledge or authorization. I provided documentation to support that these accounts were either fraudulent or never initiated by me. These accounts remain on my credit report, even though they show XXXX late payments and should have been permanently removed under FCRA 605B. 

Equifax has not provided any verification or proof that these items are accurate. This is a violation of my rights under the Fair Credit Reporting Act, particularly sections 607 ( b ) and 611.

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: CA

Complaint narrative:
I have a collection thats on my Trans Union credit report that does not belong to me. I have tried to dispute this with failed attempts.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/year>, a collection account from XXXX XXXX XXXX for the amount of {$7000.00} was added to my credit reports. I did not recognize this debt and immediately exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by sending a debt validation letter to the company requesting proof that the debt was mine, a breakdown of charges, and evidence that they were legally authorized to collect this debt. I sent the letter via certified mail on XX/XX/year>. Despite the company receiving my request, they have not provided any of the required documentation. They also continued to report this account to Experian without validating the debt, which violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). Because this debt has not been validated, and I have not received a response within the 30-day timeframe, I am requesting that this collection account be immediately removed from my credit report and that the company cease all collection efforts.

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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, a lawful payment was made toward an account reported to the credit bureaus. However, that payment was either denied, rejected, or not properly applied or credited to the account. 
Despite fulfilling my obligation to tender payment, the creditor or servicer failed to honor it in accordance with commercial law and the Fair Credit Reporting Act ( FCRA ). 
Under U.C.C. 3-603 ( a ), tendering full payment on an obligation suspends and discharges the debt unless it is properly dishonored or returned. In this case, the payment was not lawfully returned nor was a valid reason provided for its rejection. 
Additionally, if this payment was related to a credit account, and the creditor continued to report it as unpaid or delinquent after receiving payment, this may constitute : A violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( duty to furnish accurate information ) ; And possibly FCRA 1681s-2 ( b ) if they failed to correct the record after being notified. 
The rejection of the XX/XX/year> payment without explanation or correction resulted in inaccurate reporting and harm to my credit profile.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing this complaint to formally request an investigation into an unexplained XXXXpoint drop in my TransUnion credit score as reported on XX/XX/year>, via XXXX XXXX XXXX This drop occurred despite XXXX separate credit card balance reductions during the same timeframe, which should have improved my credit utilization and positively impacted my score. 

The following balance decreases were reported : XXXX. XXXX XXXX XXXX XXXX ( XXXX ) Decreased from {$360.00} to {$280.00} between XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX update ) Decreased again from {$280.00} to {$260.00} between XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX Decreased from {$240.00} to {$95.00} between XX/XX/XXXX and XX/XX/XXXX Despite these positive actions, my credit score dropped by XXXX points, bringing it to XXXX. There were no new derogatory marks, inquiries, missed payments, or delinquencies reported. 

The only other noted change was a balance increase on my XXXX account, but the platform did not provide specific details. Based on the overall reduced utilization across multiple accounts, a score increasenot decreasewould have been expected. 

Why are balances being reported every few days? My credit score is always being impacted. Ive notified XXXX XXXX that I have not given them permission to update balances every 3 days. 

This needs to be 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 non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I have an account with Rocket Mortgage for a property that I own in GA. The loan number is XXXX. The property was extensively damaged twice. Although I live in NC, I have spent much of the last year in GA overseeing the multiple repairs. 

The insurance checks are made out to me and Rocket Mortgage. I must send the checks to Rocket Mortgage for endorsement and then they are sent back to me. I have repeatedly requested that Rocket Mortgage send the checks to the property address in GA, not my home address in NC. It causes huge problems when the checks are sent to my NC address. They either completely disappear or I have to pay somebody to drive to my residence and forward the mail. Either way, it's a burden. 

Despite my repeated requests to Rocket, they REFUSE to send the checks to my GA property as requested. The latest check was sent to my NC address ( despite numerous phone calls ) and is now missing. 

I can't believe that I am forced to file a formal complaint because Rocket is incapable of getting the address correct.I am simply requesting the Rocket Mortgage send ALL correspondence to the property address in GA. Please follow up. Maybe Rocket will listen to you since they ignore me.

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: NC

Complaint narrative:
It seems someone got an apartment in my name that I had no knowledge of and never lived at. I was XXXX at the time this lease was opened.

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
A bill payment was sent to non existent account as the payment entry had a typo. I tried to address this with the dispute resolutions team a handful of times. I was redirected or told to go back to the " sender '' bank. I made a payment from my XXXX XXXX account to my 5/3 bank CC. XX/XX/XXXX payment for {$4700.00}. I was advised by 5/3 Bank the funds must be in limbo because the account # that the payment went to does not exist. Thus the funds were returned to XXXX. XXXX is telling me I need to deal with 5/3 bank. 5/3 Bank is saying I need to deal with XXXX because they returned the funds. I can't seem to can a straight answer as to where my payment is or guidance to dispute or file a complaint, leaving this my only recourse. The directive of it might take time has been exhausted. It does not take 3 weeks to locate and return funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
An account was fraudulently opened in my name and is reporting as a charge-off The account number is : XXXX The account opening date is : XX/XX/year> The account balance is : {$460.00}

Company response to consumer: Closed with explanation