vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: RI

Complaint narrative:
The following items are fraudulent accounts : 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 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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have no knowledge of this account. 

XXXX XXXX : XXXX I have no knowledge of this account XXXX XXXX XXXX XXXX I have no knowledge of Account XXXX   XXXX  : XXXX I have no knowledge of Account

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 2025-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
I called to make a payment on my loan in XXXX and we discussed doing a forbearance. It was put into place and I made a payment for that current month. I XXXX told the next payment would not be due until XXXX in the amount of XXXX which was basically half of my monthly payment. I called and made the payment and the agent asked if I would be able to make the regular payment in XXXX. I told her I would. I atempted to make the payment through the pennymac app and were routed to call instead. The office was closed so I had to wait to make the payment over the phone. When I spoke to someone I XXXX  given the option to make the regular payment but he also confused me by asking if I wanted to get the loan caught back up. He told me to discuss with my spouse and call back to tell him what I decided. When I called back I got a totally different offer XXXX  what he gave. I was also told my credit would be affected and that it would report to the credit bureau as being past due. I have XXXX  on numerous occasions to have this core red because that is not what he told me. Now my XXXX XXXX had dropped due to his misinformation. I called last Friday and made the full amount due on the loan to get it current. I called back today and were told it is still not current and the modification process is still in place. This months bill is not past due yet but they are now stating it has to be paid too to XXXX the loan current. I asked the agent when I made the payment if it would make the loan current and he said yes. I Also told him I wanted to discontinue the modification. He didnt do it. I called today and were asked to call back in a few hours. I keep getting the run around from the company. Every agent I talk to gives me a different story.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: NJ

Complaint narrative:
I am filing this complaint to dispute an inaccurate late payment entry on my Equifax credit report for the XXXX account ( Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX ). Upon review, I found that this account is marked as " late for XXXX  days '', but I have never been late on this account. I request that this account be updated to reflect " XXXX XXXX XXXX '' or " XXXX  '', as this accurately reflects my payment history. This inaccurate late payment entry is damaging to my creditworthiness and violates my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting immediate correction of this entry and the removal of the erroneous late payment entry for XXXX days. I previously disputed this issue and requested that the XXXX XXXX XXXX investigate the late payment and take appropriate action under the FCRA. However, I have not received any response or correction to date. I also request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the correction of the inaccurate information on my credit report. If these corrections are not made within the required XXXX period, I will escalate this matter and pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o, seeking statutory damages for willful and negligent noncompliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX XXXX. They, in fact, did not come from a XXXX XXXX. I even called them to verify it was me and they still refused to process my disputes. I wasted time and money on mailing my disputes out. I sent personal information to verify my identity through mail just for them not to thoroughly investigate.

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 2025-11-04 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: SC

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX charged-off accounts and a medical account under active litigation are being reported inaccurately. The furnishers continue to post monthly late-payment updates on closed accounts, report a medical debt currently before the court, and list of XXXX debts under the wrong legal name. No validation letters have been sent. 

These actions violate : FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( A ) FDCPA 1692g ( a ), 1692e ( 8 ) Supreme Court decisions in TransUnion LLC XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: VA

Complaint narrative:
I have repeatedly disputed inaccurate credit reporting by Experian regarding a XXXX XXXX XXXX  ( formerly XXXX  XXXX  ) account that I paid in full during XXXX. Despite providing proof of over {$5000.00} in payments to bring the account current, Experian continues to report it as Potentially Negative. 

Between XXXX and XXXX, I filed multiple disputes through XXXX  online portal and by mail. Each time, the results were returned as Remains or Certified Accurate, with no supporting documentation or meaningful reinvestigation provided. XXXX XXXX XXXX  also failed to update the account to show it is XXXX  and XXXX. 

The inaccurate reporting has caused ongoing harm by lowering my XXXX XXXX and preventing me from qualifying for a mortgage. I have acted in good faith to resolve this issue and provided copies of all proof-of-payment and prior dispute records. 

I am requesting that the CFPB require Experian and XXXX XXXX XXXX to correct or delete the inaccurate tradeline and confirm the correction in writing in compliance with FCRA 611 and 623.

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 2025-11-05 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: MS

Complaint narrative:
I bought a dress from a friend of mine for {$50.00}. I sent it to her old cash app account that she can no longer get into because she had a different phone number with that account and then she does the one she has now she cant remember the old phone number to get into that account so the money is just sitting in that account {$50.00}. They will not send me my {$50.00} back she tried to get into her old account so she can transfer it in her new account so she could send me back my {$50.00} and they froze her account so my money is just sitting there and that and I cant get it back. All they got XXXX  do is just send it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: KY

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$840.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$1600.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-05 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX  business days.

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 2025-11-04 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:
Request for Full Discharge of Student Loans Due to Aidvantage  Misleading and Unlawful Practices I am writing to formally request the discharge of all student loans held by Aidvantage  due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. 
Aidvantage misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, Aidvantage has a history of misreporting my payment status to credit agencies, severely damaging my XXXX XXXX. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which Aidvantage has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). Aidvantage conduct has caused me significant financial harm, mental distress, and a longterm burden that could have been avoided with honest and fair guidance. As a borrower who relied on Aidvantage advice and entrusted them to manage my student loans be fully forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
Complaint Summary I am submitting this complaint because multiple consumer reporting agencies and specialty credit bureaus are reporting inaccurate, unverifiable, and identity-theftrelated data that has damaged my personal and business creditworthiness. Despite multiple disputes and verification demands, the bureaus have failed to properly investigate, delete, or block the fraudulent information as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 605B, 607 ( b ), 609 ( a ), 611, and related provisions.

I am requesting the CFPBs assistance to ensure compliance and enforcement. 

Parties Involved The following consumer reporting agencies and data furnishers are impacted : 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  ( managed by Equifax ) Background / Timeline On XX/XX/year>, I discovered multiple credit and specialty-bureau files containing false or inconsistent data tied to accounts I did not open. 

I filed a verified FTC Identity Theft Report ( XXXX XXXX. XXXX ) and submitted formal FCRA disputes and reinvestigation requests to all affected bureaus. 

I also provided proof of identity, address verification, and highlighted report pages showing the discrepancies. 

Despite this, certain agencies either failed to respond within the XXXX statutory period or returned form letters claiming verified results without providing a lawful XXXXXXXX XXXX XXXXXXXX ( XXXX  ). 

As a result, the same inaccurate tradelines, inquiries, and mixed-file identifiers remain, causing repeated denials for banking, lending, and business-credit products. 

Violations Claimed 605B Failure to block identity-theft-related information after receiving an FTC ID-theft affidavit.

607 ( b ) Failure to maintain maximum possible accuracy of consumer data.

611 ( a ) Failure to conduct a reasonable reinvestigation and provide the furnisher/member-code documentation used to verify disputed items.

609 ( a ) Failure to disclose complete file data and furnish clear information about the sources of the data. 

611 ( a ) ( 5 ) ( B ) Improper reinsertion of deleted items without required XXXX written notice and furnisher certification. 

Specific Examples of Harm Tradelines such as XXXX, XXXX  & XXXX XXXX, XXXX, XXXX, and XXXX  XXXX show XXXX balances, limits, and statuses across bureaus. 

Banking databases ( XXXX, XXXX, XXXX ) list unverifiable or fraudulent closures that prevent me from opening legitimate checking accounts. 

XXXX and XXXX files contain outdated or mismatched identifiers that are producing false risk signals for lenders. 

Several inquiries were made without my authorization, violating 604 of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
This claim, is made because of inquiries and a charge off account that I never applied for. I have addresses that do not belong to me. I am upset about these things on my report. Please remove them. These items on my report that I did not authorize or damaging and Im not sure if its based on the data breaches that have been happening with the bureaus, but I did not apply and did not authorize these things on my account.

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 2025-11-05 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: FL

Complaint narrative:
This claim, is made because of inquiries and a charge off account that I never applied for. I have addresses that do not belong to me. I am upset about these things on my report. Please remove them. These items on my report that I did not authorize or damaging and Im not sure if its based on the data breaches that have been happening with the bureaus, but I did not apply and did not authorize these things on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I recently reviewed my credit report and found something that really concerns me. There's an account reporting ( XXXX XXXXXXXX ) that I never authorized. I didn't open it, I didn't give permission for it to appear on my file, and I definitely didn't consent to have it reported to any credit bureau. I want to be very clear about this : at no point did I give written authorization, verifiable electronic consent, or any other form of permission for this account to be on my credit file. And its presence there has been causing ongoing damage to my financial stability and my reputation. 

LEGAL VIOLATIONS : I've researched my rights under the Fair Credit Reporting Act ( FCRA ), and what Equifax is doing violates several sections of this XXXX  law : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose : The law clearly states that a consumer 's credit file may only contain information obtained for a lawful permissible purpose. The inclusion of this account- and the related XXXX inquiries - without any documented consent constitutes a direct violation of this section. They're using and disclosing my non-public personal information without authorization. 

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking Disputed Information : When a consumer submits an identity-theft report to an agency, the credit bureau must block that information within XXXX ( XXXX ) business days. I submitted a valid Police Report ( XXXX XXXX. XXXX ) identifying the disputed account and inquiries, yet Equifax continues to report them, causing ongoing harm and violating this section. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy : Equifax has failed to maintain only accurate, verifiable, and complete information. The absence of valid supporting documentation from either the furnisher or the bureau shows that this legal standard has not been met. 

PERSONAL IMPACT : This isn't just a technical problem on paper - this is affecting my real life in very concrete ways : I've been denied legitimate credit applications because of this unauthorized account. When I do manage to get approved for something, I'm charged significantly higher interest rates than I should be paying. 
I was denied an apartment I was trying to rent. It was embarrassing having to explain to the landlord that my credit was bad because of something that isn't even mine. It was stressful looking for another place and facing the same problem over and over. 
My insurance premiums increased due to credit-based pricing. I'm literally paying more money every month because of something I didn't do. 
This ongoing situation has caused me real financial pressure. I wake up worried about this. It's frustrating and causes anxiety knowing that I'm being punished for something that violated my rights from the beginning. It affects my daily life in ways it shouldn't.

Company response to consumer: Closed with explanation