vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: PR

Complaint narrative:
To whom it may concern, On day XX/XX/year>, I looked at my report. I sent a letter to Transunion on XXXX XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. 
On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 

Transunion really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Several companies have accessed my credit report without my authorization, causing direct harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been honored, and the inquiries still remain. 

This inaction is unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns about identity theft and reflects a failure to protect my consumer rights. This unresolved issue continues to inflict emotional and financial harm.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I reviewed my credit report and found multiple inaccurate and future-dated addresses, duplicate name variations, and outdated employer information. 
These errors violate FCRA 607 ( b ) and have caused confusion in my file. I submitted a formal dispute to XXXX, XXXX, Equifax on XX/XX/year> requesting deletion of all incorrect personal information, but I have not received a proper correction. 
Please investigate and ensure my personal identifying information is accurate across all files

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 2025-10-21 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: CA

Complaint narrative:
I submitted a claim requesting that EdFinancial remove the negative remarks from my credit report and acknowledge that my loans are currently in forbearance, as explained below : Edfinancial Services is reporting inaccurate information on my credit file. My credit report currently reflects a 90-day no payment that is being reported by Edfinancial. This information is incorrect and does not accurately reflect my payment history. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to provide information that is accurate and not misleading. Reporting a false 90-day delinquency violates this obligation. I have attempted to dispute this error directly through Experian 's online dispute portal ; however, the system repeatedly redirects me back to the company 's main website and does not allow me to submit the dispute, despite being properly logged in. This technical barrier has prevented me from exercising my rights to dispute inaccurate information as outlined under FCRA 1681s-2 ( b ), which requires furnishers to investigate and correct disputed information. I would also like to present that two of my student loan accounts with Edfinancial are supposed to be in forbearance due to an open privacy dispute with XXXX XXXX XXXX regarding a privacy complaint of XXXX 's unauthorized access to my federal student loans. 

Their response was to take the payments I made toward the XXXX and XXXX loans were reallocated to the XXXX loans and that my account was taken out of forbearance as of XX/XX/year>. However, that is not how I directed those payments. The loans labeled XXXX and XXXX are currently in forbearance under the Fair Credit Reporting Act ( FCRA ), and I have an active report pending regarding this matter. Therefore, those loans should remain in forbearance, and the payments I made toward loans XXXX and XXXX should be reapplied to the originally designated accounts. In addition, any interest that accrued while my loans were meant to be in forbearance should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: AK

Complaint narrative:
To put it bluntly, American Education Services is basically impossible to work with. I'm struggling to login and it's impossible to get help. My account has been locked. The webpage said it would unlock in XXXX minutes. It's been XXXX ; still not unlocked. You can't email them except from in your account. I've tried calling. It takes a full XXXX minutes of automated messages to finally get to the point where I can input any info or options, but none of those have anything to do with unlocking an account and there's never an option to talk to someone. There is no way to actually get help. It's XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  automated run around clearly designed to frustrate people that need help into giving up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am XXXX XXXX XXXX being affected by shutdown.I received a paycheck and unable to buy Groceries or pay mortgage because of the Shutdown. I am already dealing with stress because XXXX XXXX shutdown dont know when Im going to get paid.Security Service credit union when I keep telling them stop calling because dealing with stress.I asked for Hardship because Shutdown and Manager stated she is going to keep calling me.I made a partial payment on XX/XX/year> with my last {$100.00}. 
I am asking for Security Service Credit Union to grant Hardship because shutdown might last until XXXX.I am super stressed out and they are making stress worse.I dont even have money to drive to work.We are force to work for free until shutdown is over.

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 2025-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I found out my federal student loans were forgiven in XXXX, XXXX from Mohela. On the notification I was told I was owed {$2100.00} because the loans were actually forgiven in XXXX, XXXX so I overpaid. 

The letter said to call to verify my address, which I did XX/XX/XXXX. At that point I was told it would take 2 months. I called back after the 2 months ( XXXX, XXXX ) was up and was told it takes 3 months. Once the third month passed, I made MULTIPLE calls, sat on hold for hours, and kept getting told they could do nothing. 

XX/XX/XXXX I demanded to speak to a supervisor, which I did. XXXX the supervisor said he figured out the problem and my refund would be on the way, but could not tell me how long this would take. In XXXX, XXXX, which was again 3 months since I spoke to XXXX, I called back and was told the final review was XX/XX/XXXX and it was approved. 

Today 's date is XX/XX/XXXX and I still do not have my refund, a year later. 

This has been the most frustrating experience. The hold time with Mohela is unreal, only to find our they can not help me. 
I was given this website to help get my refund and hopefully help myself and others get the refund deserved. 
Thank you. 
XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. Identity Theft XXXX XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXXXX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXXXX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

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 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I just had a CFPB case closed today without PayPal providing a proper response or validation. Im resubmitting because PayPals explanation does not reflect what actually happened and ignores multiple key facts. 

On XX/XX/year>, I sent a {$9500.00} payment via PayPal Goods & Services for a XXXX card intended for my personal collection. The seller later informed me they could not complete the transaction and wrote directly within the PayPal dispute to please close this in the buyers favor. PayPal representatives also confirmed over the phone that they saw the seller had accepted liability and said the case would be resolved in my favor. Instead, PayPal repeatedly reopened and closed the case without explanation, ultimately denying it and citing resale as the reason, without any supporting evidence.

PayPals response to the CFPB case does not address the core issue and contains incorrect assumptions. I never indicated that this purchase was for resale. It was for my personal XXXX card collection, which I have explained multiple times to PayPal representatives. They confirmed they noted this information in the reopened cases. There is no evidence that I purchased this item for resale, and that was not my intent. 

PayPals mention of an unrelated prior transaction has no connection to this {$9500.00} dispute and does not justify their decision. The seller explicitly admitted they could not ship the item, and yet PayPal continues to deny coverage with no basis.

PayPals suggestion that I pursue a credit card chargeback is not a fair or complete solution. Only {$6000.00} of the {$9500.00} payment was funded by my credit card, while the remaining {$3500.00} came from my PayPal balance, funds that can not be recovered through my card issuer, despite a representative on the phone today telling me that my credit card company would be able to dispute the entire amount. 

I respectfully request that the CFPB have PayPal re-review this matter and apply their Purchase Protection policy properly, as the sellers own admission and the nature of this purchase clearly qualify it for protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and 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
Consumer complaint received 2025-10-21 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: NV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report as provided by the credit reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute information that is incomplete, inaccurate, or unverifiable, and I demand immediate investigation and correction or deletion of the erroneous information. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX This is another address that does not belong to me, nor have I ever maintained any financial account linked to this property. Its reporting is inaccurate, damaging, and violates FCRA guidelines requiring accurate address data. 
These inaccuracies have caused damage to my creditworthiness, potential employment, housing, and financial opportunities. I demand a thorough investigation and immediate correction or removal of these items. I also request that all communications regarding the investigation be documented and provided to me in writing. 
Failure to comply with FCRA obligations may result in legal action. I am prepared to escalate this matter to the Federal Trade Commission ( FTC ), my state attorney general, and pursue civil remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: MS

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/year> XXXX XXXX XXXX  - XX/XX/year> 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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
Requested credit card closure by mail on XXXX, 2025. Received no response. 
Requested same via online chat on XX/XX/XXXX, when they confirmed receipt of my letter and request which " was not completely processed ''. They refused to do so online, and referred me to the same XXXX XXXX XXXX department that they signed with.

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 2025-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
It says I have a student loan but I never applied for one

Company response to consumer: Untimely response
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I visited XXXX XXXX XXXX but no billable medical services were rendered. I was briefly seen by a provider who stated they did not know what tests to perform and therefore did not provide any treatment, testing, diagnosis, or medical advice. I left without receiving any care. 

Despite this, I received a bill from XXXX XXXX XXXX and later a collection notice from RMP service. 

I disputed the debt in writing on XX/XX/XXXX. The collector responded with a generic billing statement that did not include any proof of services rendered, itemized charges, or provider documentation. 

I then sent a follow-up dispute letter on XX/XX/XXXX requesting proper verification under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

In addition, I made repeated attempts to resolve this directly with XXXX XXXX XXXX by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and by email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received no response to any of these outreach efforts. 

The debt collector continues to pursue this debt without providing valid verification or documentation that any services were rendered. This is a violation of my rights under the FDCPA. 

Despite my dispute, the collections agency has continued to attempt to collect the debt, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation