vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: OK

Complaint narrative:
XX/XX/XXXX I entered a consolidation resolution program prepared by XXXX XXXX with Freedom debt relief and my original debt resolution agreement was XXXX monthly and the I was switched to a XXXX  LOAN with XXXX/ XXXX  XXXX  with creditor XXXX XXXX XXXX  XXXX XXXX XXXX increasing my payment to XXXX a month with no warning. I had no choice but to pay it and putting me in a XXXX hard spot once again. I recently requested a copy of my original loan from XXXX which I just received today XX/XX/XXXX and my initials from my XXXX original agreement are the exact on the XXXX loan as if they were copied from the original. Is this a normal process for consolidating debt with these companies?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
DEAR AMEX : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Traunerconfirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> To whom it may concern, I DEMAND that you Immediately DELETE ALL INACURATE PERSONAL INFORMATION that I do not verify, Under 15 USC 1681 ( i ) ( ii ) - Procedure in case of disputed accuracy. Certification of accuracy of information if any information is DELETED from a CONSUMERS file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the CONSUMER reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Notice to CONSUMER if any information that has been DELETED from a CONSUMERS file pursuant to subparagraph ( A ) is reinserted in the file, the CONSUMER reporting agency shall notify the CONSUMER of the reinsertion in writing not later that 5 business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available to the agency. I DEMAND you update the following ACCOUNT-XXXX XXXX XXXX XXXX, BALANCE : {$3500.00} to Paid as Agreed Or PAID/NEVER LATE IMMEDIATELY, under 15 U.S. Code 1681 ( b ) -REASONABLE PROCEDURES. It is the purpose of this subchapter to require that CONSUMER reporting agencies adopt reasonable procedures for meeting the needs of commerce for CONSUMER CREDIT, Personal, Insurance, and other information in a manner which is fair and equitable to the CONSUMER, with regard to the CONFIDENTIALITY, ACCURACY, RELEVANCY, and proper UTILIZATION of such information in accordance with the REQUIREMENTS of this subchapter. 

I DEMAND THAT THE FOLLOWING ACCOUNT BELOW BE UPDATED TO PAID AS AGREED OR, PAID/NEVER LATE AND ALL LATE-PAYMENTS BE DELETED IMMEDIATELY PLEASE!!!!!! 
ACCOUNT NAME : CAPITAL ONE, ACCOUNT NUMBER : XXXX, ACCOUNT BALANCE : {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: TX

Complaint narrative:
The information that was dispute on my credit report was not removed and is not accurate information I am a victim of identity theft I have disputed this information with all three credit bureau Tranunion XXXX and Experian. 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

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 2025-11-09 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: AR

Complaint narrative:
I dispute this account because it does not belong to me and is being reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: CO

Complaint narrative:
I borrowed federal student loans serviced by EDFinancial Services to attend XXXX XXXXXXXX XXXX ( XXXX  ). The school permanently closed on XX/XX/XXXX, following a U.S. Department of Education settlement with its parent company, XXXX XXXX XXXX ( XXXX ). 

Because of the closure, I was unable to complete my education or receive the promised training. The Department of Education confirmed that all XXXX XXXX XXXXXXXX students are eligible for Closed School Loan Discharge under 20 U.S.C. 1087 ( c ) and 34 C.F.R. 685.214.

I have already paid almost the entire loan amount and currently have a small remaining balance of approximately {$3800.00} across two consolidated loans ( subsidized and unsubsidized ). On XX/XX/XXXX, I submitted a formal written dispute and discharge request to Edfinancial Services, asking for : A refund of all payments made toward these loans Full discharge of any remaining balance Correction of my credit report to show Discharged Closed School Despite the schools confirmed closure and my written request, my loans remain active and no refund has been issued. I am asking for immediate processing of my Closed School Discharge, refund of all payments I have made, and cancellation of the remaining balance, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
I was contacted XXXX XXXX XXXX ( a debt collector ) ( XXXX ) XXXX and reference acct # XXXX XXXX XXXX XXXX 

I clicked on their text to take advantage of their options and there are none. There was no offer for settlement, there was an option for payment plan which allowed for 8 month payment plan. 

I contacted by email on multiple occasions and requested options in writing of what was avail to me to settle and pay. It took several weeks for a reply and to date they have yet to provide me with any written offers. I told them what I was will to pay biweekly/monthly but they ignore my request to email me options but they call daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Abrahamsen Gindin LLC
State: PA

Complaint narrative:
I was contacted Abrahamsen Gindin LLC ( a debt collector ) ( XXXX ) XXXX and reference acct # XXXXXXXX XXXX XXXX XXXX 

I clicked on their text to take advantage of their options and there are none. There was no offer for settlement, there was an option for payment plan which allowed for 8 month payment plan. 

I contacted by email on multiple occasions and requested options in writing of what was avail to me to settle and pay. It took several weeks for a reply and to date they have yet to provide me with any written offers. I told them what I was will to pay biweekly/monthly but they ignore my request to email me options but they call daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am submitting this formal complaint to express my concerns regarding the mismanagement of my student loans by XXXX XXXX, XXXX, Mohela, XXXX XXXX, and Direct Loans during their respective periods as loan servicers. Throughout the duration of these loans, there have been multiple failures in communication and proper account management that have negatively impacted my financial situation and my ability to make informed repayment decisions. 
Specifically, these companies failed to : Provide adequate communication regarding loan transfers between servicers, as confusion arises about account ownership, payment obligations, and repayment status. 


Please inform me of all available repayment and forgiveness options, including income-driven repayment ( IDR ) programs that could have helped me remain in good standing and qualify for federal loan forgiveness. Instead, I was frequently directed toward forbearance options that accrued additional interest and unnecessarily extended my repayment timeline. 


Maintain appropriate communication protocols, as several servicers improperly contacted my cosigner with collection-related inquiries and demands rather than directing all communications to me, the primary borrower, as required. 
These failures collectively demonstrate negligence in the handling of my loans and a lack of transparency that prevented me from fully understanding or exercising my repayment rights under federal loan guidelines. I am requesting that this complaint be investigated thoroughly and that corrective measures be taken to ensure accurate records, fair consideration for applicable forgiveness or repayment programs, and assurances that similar mismanagement does not recur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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 is not my account, and it appears on my credit report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: MD

Complaint narrative:
In XX/XX/XXXX, I opened a secured credit card account with XXXX XXXX. The account carried a {$200.00} limit and a reported balance of {$450.00} when it was charged off in XX/XX/XXXX. The tradeline now appears on my credit reports with the following notation : Charged off as bad debt | Canceled by credit grantor, status Collection / Charge-Off. 

On XX/XX/XXXX, I disputed this account with all three credit bureaus ( Experian, XXXX, and XXXX ). I requested full verification in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ) and Metro 2 compliance standardsincluding the original signed contract, payment history, and proof of accuracy. 

Instead of providing supporting documentation, the bureaus and the furnisher left the tradeline unchanged and marked it Account information disputed by consumer, meets FCRA requirements. This is a generic compliance statement, not a reasonable reinvestigation as required by law. No proof or documentation has been provided to verify the debt or explain the discrepancy between the {$200.00} limit and the {$450.00} charged-off balance. 

I believe the creditor and the credit bureaus failed to : Conduct a reasonable reinvestigation within XXXX days ( FCRA 1681i ) Ensure maximum possible accuracy ( FCRA 1681e ( b ) ) Provide complete and verifiable documentation upon dispute ( FCRA 1681s-2 ( b ) ) I am requesting the CFPBs assistance to ensure compliance and to have this unverifiable account permanently deleted from all credit reports.

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 2025-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I have made several payments to my Target credit card in XX/XX/year> from my XXXX  XXXX XXXX account, which I have used for over XXXX years without issue. All payments cleared my bank, yet my Target credit card account still shows funds being held and unavailable for use. 

Below are the payments I made : XX/XX/XXXX : {$240.00} XX/XX/XXXX : {$210.00} XX/XX/XXXX : {$93.00} XX/XX/XXXX : {$250.00} XX/XX/XXXX : {$250.00} XX/XX/XXXX : {$240.00} XX/XX/XXXX : {$100.00} Despite these payments clearing my bank, the Target RedCard customer service team repeatedly tells me that my account is on hold for double verification. When I ask for clarification or to speak with a supervisor, I am refused or dismissed. Representatives have been unhelpful and, at times, rude. 

Additionally, for the past XXXX years, I have been requesting a credit limit increase. Instead of an increase, TD Bank reduced my credit limit from {$700.00} to {$600.00}, despite my excellent credit score and perfect payment history across all accounts. This reflects poor account management and unfair treatment. 

There is no valid reason for holding cleared payments for weeks, especially from a verified, long-standing bank account. I believe this is due to an internal issue or improper handling by TD Banks payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: Paypal Holdings, Inc
State: MD

Complaint narrative:
In XX/XX/year> I had a direct deposit routed to the account, I attempted to withdraw the funds with A prepaid card, immediately the funds were frozen. I contacted XXXX  support, who informed they couldnt help only higher specialist. I was told XXXX  days to make sure there was no return fund issues. Its now XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On Wednesday XX/XX/year> I was messaged a fraud alert like Huntington usually does if they think a purchase was suspicious. I responded with No this purchase was not made by me. They responded saying a member from the fraud department was going to call me. They called me to proceed to tell me that somebody is making big purchases on my card and they need to put a regional block on my account. At this point Im scared, vulnerable, and just listening because everything sounded like a real Huntington member. They provided me with their ID number which was XXXX stated that their name was XXXX XXXX. They gave me a reference number for my case which was XXXX. They followed by telling me to text this number XXXX saying manual reverse so they can reverse the charge. After they wanted to me to send XXXX dollars promising that my account is locked and no money will be taking out. They said to send XXXX dollars but the first time it will be canceled and it was. Then they said send it again, and send it once more. After the second time I checked my account and noticed that money was taking from it and I was scammed. They hung up immediately and I tried calling back and there was no more response. I immediately drove to Huntington bank so they can help me because I was so confused. They let me know they couldnt do anything yet because the charge was pending but advised me to make a police report. After I left the bank I went to the police station and filed a report with Officer XXXX XXXX badge number XXXX. He filed a report number and wrote my case number on a post it with his information to confirm a statement was made. My case number is XXXX. I waited until the charges were posted which posted XX/XX/XXXX. I went to the bank first thing in the morning where they filed a dispute and I gave my information. This money was my hard worked money that I needed for bills and Im a college student. Im a victim of a scam and Im just really need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ms XXXX Date : XX/XX/year> To Whom It May Concern, I am filing this formal dispute and complaint regarding a collection account that is being reported on my consumer credit file by Sunrise Credit Service Group, which has failed to validate the alleged debt in violation of the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and continues to report inaccurate or unverifiable information in violation of the Fair Credit Reporting Act ( FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ) ).

LEGAL BASIS FOR REMOVAL : Despite my timely and certified request for validation under FDCPA 809 ( b ), the collector has failed to comply with federal law and has : Failed to provide the full chain of assignment or proof of legal ownership, Sent only generic billing statements or screenshots not tied to my identity, Failed to provide an original signed contract or application showing my agreement to this debt, Continued reporting the account to credit bureaus without marking it as disputed, violating FCRA 623 ( a ) ( 3 ).

Under FCRA 611 ( a ), consumers have the right to request an investigation into disputed items that are incomplete, inaccurate, or unverifiable. The lack of legal documentation makes this debt unfit for consumer reporting. Continued publication of this collection is harming my creditworthiness and violating my rights.

RESOLUTION REQUESTED : I respectfully request that the Consumer Financial Protection Bureau open an investigation into this matter and enforce the following actions : 1. Immediate removal of this unvalidated debt from all consumer reporting agencies, 2. A review of the collectors reporting and compliance procedures, 3. A permanent cease and desist from further reporting this debt under FDCPA 807 ( 8 ) and FCRA 605B, if identity fraud or reporting errors are involved.

Thank you for your time, oversight, and assistance in protecting consumer rights. 

Sincerely, 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 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I signed into my mobile app to make a payment on my Chase Credit Card and noticed a XXXX Chase card I have had for over XXXX  years was closed. I called the customer service number and was informed the account was closed due to inactivity. I explained I would like the card to remain open and was advised the account can't be reopened as a letter informing me of the potential closure was mailed to me in XXXX, which I never received. It was suggested I apply for a new card ; however, my credit score would be largely affected due to the credit inquiry, the recent closure, the amount of credit available and the longevity of credit. According to the agent I spoke with, XXXX XXXX, my request to reopen the account could not be honored even though the account was not closed for cause. I also had to ask the agent to file a formal complaint, which he should have done automatically to inform Chase of their unfair practice of closing accounts without proper notification. As the cardholder, if I call in and request the account be reopened within a reasonable timeframe, the request should be honored.

Company response to consumer: Closed with explanation