vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern : I am filing a former complaint against AidVantage, XXXX XXXX and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

XXXX DL Consolidated - Subsidized {$22000.00} 4.375 % XX/XX/year> XXXX DL Consolidated - Unsubsidized {$30000.00} 4.375 % XX/XX/year> XXXX Direct Loan - Unsubsidized {$21000.00} 7.050 % XX/XX/year> XXXX Direct Loan - Unsubsidized {$13000.00} 8.080 %

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

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX Ref : XXXX To whom it may concern : Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX. 
Account Number : XXXX Thank you for you assistance, Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NV

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX Ref : XXXX To whom it may concern : Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX 
Account Number : XXXX Thank you for you assistance, Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: GA

Complaint narrative:
A medical center charged my insurance over XXXX on an INVOLUNTARY stay at their mental clinic. My insurance covered most of it and the mental clinic sold the remaining balance to americollect. They charged me almost XXXX for involuntary stay and they did not provide an adequate service to earn XXXX dollars. Not only that but I was XXXX at the mental clinic because they couldnt control their patients and one of them assaulted me. So now on top of that was XXXX  at XXXX dollars and a lawyer also around that amount. I refuse to pay this and americollect keep harassing me with phone calls and reporting it and destroying my credit score which shouldnt happen since XXXX passed a law or bill on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: PA

Complaint narrative:
Formal Dispute of XXXX Account Second Notice Demand for Investigation, Validation, and Immediate Removal. Account # : XXXX. Reported Balance : {$3800.00}. Opened : XX/XX/XXXX. First Delinquency : XX/XX/XXXX. 
To Whom It May Concern, This letter constitutes my second formal dispute of the above-referenced account pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that XXXX XXXX immediately validate this account or request that it be deleted from all three major credit reporting agenciesEquifax, TransUnion, and XXXX required by law. To date, I have not been provided with any evidence that verifies the accuracy, completeness, or ownership of this debt. Under FCRA 623 ( a ) ( 1 ) ( A ), you are prohibited from reporting information you know or reasonably should know is inaccurate. If you are unable to verify this account through proper documentation, you must cease reporting it and request its removal. In accordance with FCRA 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of any item disputed by a consumer. However, it appears this account was verified without any actual documentary reviewsuch as a signed agreement, billing history, or calculation of the {$3800.00} balance. That is not a reasonable investigation, and continuing to report unverifiable information is a violation of federal law. Furthermore, this is a utility/telecom account and not a traditional credit account. Reporting it as such is potentially misleading and unfairly damaging to my credit profile. I draw your attention to XXXX XXXX XXXX Pennsylvania XXXX XXXX, where improper debt validation and incorrect reporting practices were contested under the Fair Credit Reporting Act ( FCRA ) and related Pennsylvania state laws. In that case, the court underscored the necessity for furnishers to verify debts accurately and completely. Failure to do so may result in legal consequences, as you may be well aware. I now demand that XXXX XXXX produce the following : A complete itemized statement of the {$3800.00} debt. 
A copy of any contract or agreement showing I agreed to this obligation ( a signed contract ) A billing history that shows how this amount was calculated. 
Proof that this account is not being misrepresented or reported in error. 
Documentation showing Verizons investigation process if you previously verified the account.I am also aware of ongoing CFPB enforcement actions against furnishers and credit bureaus that fail to comply with their dispute-handling responsibilities. Should XXXX fail to respond with meaningful documentation or refuse to remove unverifiable data, I will escalate this matter by filing complaints with the Pennsylvania Attorney XXXX XXXX, and consider legal action under the FCRA.

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

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

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

Complaint narrative:
I am filing this formal complaint against Experian, Equifax, and TransUnion for inaccurate and unverifiable collection accounts listed on my credit reports. 

The following discrepancies were found : Several collection accounts appear only on Experian but not on TransUnion or Equifax. 
Some accounts appear only on Equifax and not the other two reports. 
This inconsistent reporting raises serious concerns about the accuracy and verification procedures of these credit reporting agencies. 

The specific collection accounts being disputed include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These discrepancies violate my rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i Requirements to reinvestigate disputed information.

15 U.S.C. 1681s-2 Duties of information furnishers.

15 U.S.C. 1681n and 1681o Civil liability for willful or negligent noncompliance. 

I respectfully request that the CFPB investigate these inconsistencies and ensure that all inaccurate or unverified accounts are permanently deleted from my credit file. I further request documentation showing how each credit bureau verified the accuracy of the information listed.

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 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this formal complaint against Experian, Equifax, and TransUnion for inaccurate and unverifiable collection accounts listed on my credit reports. 

The following discrepancies were found : Several collection accounts appear only on Experian but not on TransUnion or Equifax. 
Some accounts appear only on Equifax and not the other two reports. 
This inconsistent reporting raises serious concerns about the accuracy and verification procedures of these credit reporting agencies. 

The specific collection accounts being disputed include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These discrepancies violate my rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i Requirements to reinvestigate disputed information.

15 U.S.C. 1681s-2 Duties of information furnishers.

15 U.S.C. 1681n and 1681o Civil liability for willful or negligent noncompliance. 

I respectfully request that the CFPB investigate these inconsistencies and ensure that all inaccurate or unverified accounts are permanently deleted from my credit file. I further request documentation showing how each credit bureau verified the accuracy of the information listed.

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 2025-05-05 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: PA

Complaint narrative:
Between approximately XX/XX/XXXX and XX/XX/XXXX, I became a victim of identity theft, resulting in multiple fraudulent accounts appearing across all three major credit bureaus. Unauthorized collection accounts were falsely established in my name with companies including XXXX XXXX ( related to utility services ), XXXX XXXX XXXX ( for telecommunications services ), XXXXXXXX XXXX XXXX for credit card debt ), and XXXX XXXX XXXX ( for cable/internet services ). Additionally, fraudulent charged-off accounts were created with financial institutions such as 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  My credit reports also show delinquent accounts with XXXX XXXX ( from fall XXXX ) and XXXXXXXX XXXX XXXX XXXX XXXX ) that I never authorized, along with an incorrect paid collection from XXXX dating to late XXXX. These false entries, which began appearing on my reports starting in early XXXX and continued through XXXX, have severely damaged my creditworthiness, causing my scores to drop by nearly XXXX points and preventing me from obtaining housing, employment, and financial services. The stress of correcting these inaccuracies has created substantial emotional and financial hardship over the past two years.

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 2025-05-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Between approximately XX/XX/XXXX and XX/XX/XXXX, I became a victim of identity theft, resulting in multiple fraudulent accounts appearing across all three major credit bureaus. Unauthorized collection accounts were falsely established in my name with companies including XXXX XXXX ( related to utility services ), XXXX XXXX XXXX ( for telecommunications services ), XXXXXXXX XXXX XXXX for credit card debt ), and XXXX XXXX XXXX ( for cable/internet services ). Additionally, fraudulent charged-off accounts were created with financial institutions such as 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  My credit reports also show delinquent accounts with XXXX XXXX ( from fall XXXX ) and XXXXXXXX XXXX XXXX XXXX XXXX ) that I never authorized, along with an incorrect paid collection from XXXX dating to late XXXX. These false entries, which began appearing on my reports starting in early XXXX and continued through XXXX, have severely damaged my creditworthiness, causing my scores to drop by nearly XXXX points and preventing me from obtaining housing, employment, and financial services. The stress of correcting these inaccuracies has created substantial emotional and financial hardship over the past two years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I retired in XX/XX/year> contacted the credit card company who said retirement is not a hardship even though my income decreased.

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 2025-05-05 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: AZ

Complaint narrative:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX * * * * * * * * * * * * * * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * * * * * * * * * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * XXXX XXXX XXXX XXXX * * * * * * * * * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * XXXX XXXX XXXX XXXX * * * * * * * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * Balance Owed : {$2100.00} XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX  XXXX * * * * * XXXX * * * * Balance Owed : {$4800.00} XXXX XXXX XXXXXXXX * * * * * * Balance Owed : {$5800.00} XXXXXXXX XXXX XXXX * * * * * * Balance Owed : {$17000.00} XXXX XXXX XXXX * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * XXXX XXXX * Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX * * * * XXXX XXXX XXXX * * * Balance Owed : {$190.00} XXXX XXXX XXXX XXXX * * * * XXXX XXXX XXXX * * * Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX * * * * XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX * Balance Owed : {$600.00} XXXX XXXX XXXX XXXX * * * * XXXX XXXX XXXX * * Balance Owed : {$1000.00} XXXX  XXXX * Balance Owed : {$3700.00} XXXX XXXX  XXXX * * * Balance Owed XXXX {$2600.00} XXXX XXXX  XXXX * * * Balance Owed : {$210.00} XXXX  XXXX XXXX * * * * * * * * * * Balance Owed : {$700.00} XXXX XXXXXXXX * Balance Owed : {$3700.00} XXXX XXXXXXXX * * * * * * * Balance Owed : {$2100.00} XXXX XXXX XXXXXXXX * * * Balance Owed XXXX {$2600.00} XXXX XXXX  XXXX * * * Balance Owed : {$210.00} XXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$1800.00} XXXX XXXX XXXX * Balance Owed : {$600.00} XXXX XXXX  XXXX * * * * * * * * * * Balance Owed : {$190.00} XXXXXXXX XXXX XXXXXXXX * * * * * * * * * Balance Owed : {$1000.00} XXXX XXXXXXXX XXXX * * * * * * * * * * Balance Owed : {$700.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX  XX/XX/year> 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 XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MA

Complaint narrative:
I had 3 fraudulent transactions for XXXX XXXX and XXXX stolen from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX. I was making a direct deposit at the Bank of America ATM ( XXXX XXXX XXXX - XXXX - FL ). around XXXX. 
I started with my debit card and pin. I inserted the amount in cash of {$1.00} all in {$50.00} dollars bills. After I confirm the amount and transition ATM request my CVV number after that ATM stated please wait for several minutes without any confirmation, response or receipt. And it went out of service. I filed at claim shortly after through the phone number provided by the ATM. I was promised a temporary deposit of the amount I did. But XXXX business days after still no money deposit in my checking amount and I have bills to pay and Bank of America does not provide me with my found, after a technical issues with their own ATM.

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 monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Hi, Over the years of me moving money through cash-app i have experienced unauthorized purchases no matter if my card is locked or not. When i go to dispute the transaction its not helpful and doesn't solve anything. Money have been took from my account, purchases i dont even have a clue about have went through and my problem was not resolved and money was lost. It has just been a terrible hassle all in all, I appreciate you for taking the time to ride this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the collection account that is not owed by me and unauthorized to collect against me reported by XXXX XXXX XXXX, managed by XXXX XXXX XXXX, on my TransUnion credit report ( File # XXXX ), listing a balance of {$1000.00} allegedly from XXXX XXXX There is no active or closed tradeline from XXXX XXXX on my TransUnion file. No evidence has been provided that this debt was legally assigned to XXXX, and no original agreement with my signature and social security number identified or IRS Form 1099-C has been produced. As such, this tradeline is not only unverifiable but also materially misleading. The continued reporting violates FCRA 1681e ( b ), FCRA 1681i, and FDCPA 809 ( b ). I respectfully request the immediate and permanent removal of this collection from my TransUnion credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief