vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: MD

Complaint narrative:
I am submitting this complaint regarding the continued reporting of multiple inaccurate, misleading, and legally noncompliant tradelines on my credit reports with Equifax, Experian, and TransUnion. Despite prior disputes, these accounts continue to be reported with contradictions, unverifiable data, and violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 

The accounts at issue are : 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 These accounts are being reported across multiple bureaus with zero balances while simultaneously showing charge-off, collection, or derogatory statuses, which is materially misleading. An account can not be both paid or settled and charged off at the same time. This type of reporting misrepresents my credit risk and violates the requirement that consumer reporting agencies and furnishers maintain maximum possible accuracy. 

In addition, the reporting is internally inconsistent across bureaus, including but not limited to : Conflicting account statuses ( paid vs. charge-off ) Inconsistent dates of last activity and last payment Conflicting high balance and credit limit figures Continued reporting by furnishers after accounts were allegedly sold or transferred Missing or incomplete payment histories Continued reporting of charge-off language after settlement or resolution For the XXXX XXXX XXXX XXXX account , the tradeline states the account was charged off, transferred, sold, and purchased by another lender, yet XXXX XXXX continues to report the account. Once an account is sold or transferred, the original creditor no longer has authority to continue furnishing a charge-off tradeline without proof of ownership or permissible purpose. No such proof has been provided. 

For the XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  accounts, the tradelines reflect settlements, payments after charge-off, or paid statuses while still reporting charge-offs and derogatory history. This creates a double-derogatory effect and materially overstates the severity of the accounts. 

I have repeatedly disputed these inaccuracies, yet the credit bureaus continue to verify these accounts without resolving the core contradictions or providing documentary proof. Simply verifying internal records is not sufficient when the records themselves are inaccurate, incomplete, or contradictory. This constitutes a failure to conduct a reasonable reinvestigation under FCRA 1681i and a failure to maintain reasonable procedures for accuracy under FCRA 1681e ( b ).

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am submitting this complaint regarding the continued reporting of multiple inaccurate, misleading, and legally noncompliant tradelines on my credit reports with Equifax, Experian, and TransUnion. Despite prior disputes, these accounts continue to be reported with contradictions, unverifiable data, and violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 

The accounts at issue are : 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 These accounts are being reported across multiple bureaus with zero balances while simultaneously showing charge-off, collection, or derogatory statuses, which is materially misleading. An account can not be both paid or settled and charged off at the same time. This type of reporting misrepresents my credit risk and violates the requirement that consumer reporting agencies and furnishers maintain maximum possible accuracy. 

In addition, the reporting is internally inconsistent across bureaus, including but not limited to : Conflicting account statuses ( paid vs. charge-off ) Inconsistent dates of last activity and last payment Conflicting high balance and credit limit figures Continued reporting by furnishers after accounts were allegedly sold or transferred Missing or incomplete payment histories Continued reporting of charge-off language after settlement or resolution For the XXXX XXXX XXXX XXXX account , the tradeline states the account was charged off, transferred, sold, and purchased by another lender, yet XXXX XXXX continues to report the account. Once an account is sold or transferred, the original creditor no longer has authority to continue furnishing a charge-off tradeline without proof of ownership or permissible purpose. No such proof has been provided. 

For the XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  accounts, the tradelines reflect settlements, payments after charge-off, or paid statuses while still reporting charge-offs and derogatory history. This creates a double-derogatory effect and materially overstates the severity of the accounts. 

I have repeatedly disputed these inaccuracies, yet the credit bureaus continue to verify these accounts without resolving the core contradictions or providing documentary proof. Simply verifying internal records is not sufficient when the records themselves are inaccurate, incomplete, or contradictory. This constitutes a failure to conduct a reasonable reinvestigation under FCRA 1681i and a failure to maintain reasonable procedures for accuracy under FCRA 1681e ( b ).

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
When I checked my credit report, I saw that there was a collection for about {$2400.00}, I thought it was very strange so I went and looked on XXXX  for the information to call the company when I called the company I gave them my phone number and there was no account under my phone number. When I spoke the a customer service representative they told me they needed to transfer me to the branch that the account was made. When I was transferred to a city name Ive never heard of which is located in north Florida. I live in XXXX XXXX Florida and have never lived anywhere else besides New York for a year. And I have had the same phone number all my life so I know I wouldnt put it in another phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
I am filing this complaint because [ XXXX / XXXX / TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX TransUnion, LLC ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : === CHARGE OFF === TU : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX * * * * XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding XXXX  servicing of my federal student loans following my graduation from college in 2009, during the Great Recession. 

Shortly after I left school, XXXX  placed or encouraged me into repayment structures that were unaffordable given my income as an arts graduate entering the workforce during an economic collapse. I was not meaningfully informed about income-driven repayment options, nor was I provided guidance that would have prevented interest capitalization and ballooning balances. 

XXXX later transferred my loans to another servicer with significantly increased balances due to accumulated interest. These practices have had long-term consequences on my financial stability, credit, and ability to move forward economically. 

I believe XXXX engaged in predatory servicing practices that prioritized interest accrual over borrower success, particularly for borrowers who graduated during the XXXX financial crisis

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE LATE PAYMENT INFORMATION BEING REPORTED IS INACCURATE AND DOES NOT REFLECT MY ACTUAL PAYMENT HISTORY. THESE ENTRIES ARE MISLEADING AND INCORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Approve Holdings, Inc
State: NC

Complaint narrative:
I refinanced my car through XXXX Approve. My current loan is through XXXX XXXX, and I got the new loan through XXXX. I filled out all the paperwork from XXXX Approve, XXXX funded and has proof of funding the new loan, and sent it to XXXX Approve for XXXX Approve to send the payoff check to XXXX  XXXX. 
Well, one of XXXX Approves employees who was working with me on my loan, was apparently let go or fired within the 2 weeks after she sent me the confirmation that my payoff check would be sent. 
I found out today after calling myself after not seeing my XXXX XXXX loan XXXX  out or posted yet, that the check had been canceled soon after it was sent! I had spoken to 5 different people through XXXX Approve, and was told multiple different things. One guy even said I owed {$100.00} or so more on the downpayment, and that XXXX had not sent the funds ; I had initially been told was {$1600.00}, which I have confirmation of receipt and it leaving my bank account. Nobody informed me I had an extra {$100.00} to pay. Nobody informed me of the check being canceled OR my loan specialist, XXXX XXXX, being let go either. I spoke to another guy, and he said that it was initially {$1600.00}. There is a lot confusion going on, and so now I currently have TWO ACTIVE CAR LOANS and nobody telling me how to resolve this. XXXX has confirmed with me over the phone that funds had been sent to XXXX Approve. So XXXX Approve is sitting on not only my down payment, but also the banks money as well. I have a XXXX  XXXX  XXXX coming up, and I cant afford TWO car payments due to a broker/financiers negligence. I upheld all I was supposed to do, and I have confirmations and email receipts of payments made, documents signed, all the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to dispute an unauthorized and fraudulent credit inquiry that appears on my credit report. I want to make it absolutely clear I never gave this company any form of consent, written or verbal, to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, no company has the legal right to pull my credit report without a permissible purpose. This inquiry was made without my authorization, which is a direct violation of federal law.

Not only does this harm my privacy, but it also has the potential to negatively impact my credit score and my overall financial standing. I am fully aware that each inquiry must have a legitimate, verifiable, and documented reason for being conducted, and this company has none. If the bureau or the creditor can not produce a signed, verifiable document showing I gave permission for this inquiry, it must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Paramount GR Holdings, LLC
State: AR

Complaint narrative:
I am submitting this complaint regarding GoodLeaps servicing of my solar loan and their refusal to address an inaccurate federal solar tax credit assumption that will cause severe payment shock beginning on XX/XX/XXXX. 
At the time of sale, we were told that the federal solar tax credit would be received as cash and applied toward the loan in order to keep our payment at its current rate. If we do not pay this lump sum of approximately {$22000.00} our payments will nearly double. Based on our household income and tax situation, this assumption is inaccurate. We will not receive the tax credit as cash and will not have funds available to make the assumed lump-sum payment. 
We are also experiencing hardship due to XXXX people in the house having filed XXXX and are unable to work. There is only XXXX income for the household, which dropped by 60 % on XX/XX/XXXX. While on the phone with XXXX, I also inquired about their hardship programs because we are struggling financially. 
When we contacted GoodLeap to request correction of this assumption, we were told verbally that the loan could only be re-amortized if we paid {$2800.00} upfront, which we can not afford. We were further told there was no hardship waiver, no payment plan, and no escalation available. 
We then requested written confirmation. GoodLeap responded in writing stating that they will not re-amortize the loan prior to the Target Balance Date, which is XX/XX/XXXX, regardless of financial hardship or inaccurate assumptions. 
GoodLeap has acknowledged that re-amortization exists but refuses to consider hardship review or modification until XX/XX/XXXX when the payment is set to double, even though the current loan structure is based on an assumption that does not apply to us. This refusal exposes us to unavoidable payment shock and risk of default. 
GoodLeap also refused to provide written policy documentation supporting their refusal and declined escalation beyond the representative who claimed to be the highest level of management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal law.

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 2025-12-29 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: PA

Complaint narrative:
I am disputing the following accounts on my TransUnion report, as they are inaccurately reported : Charged Off : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$42000.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX  XXXX, Account Number : 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