vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
RE : Formal Complaint Misrepresentation, Disclosure Violations, and Improper Debt Collection Activity Servicer : Aidvantage To Whom It May Concern : I am submitting this complaint regarding serious and ongoing misconduct related to the origination, servicing, and collection of my federal student loan debt. This complaint involves Aidvantage, my current loan servicer, and the Department of Educations oversight failure regarding disclosure, due process, and data handling.

-- - # # # VIOLATIONS ALLEGED : 1. * * Non-Disclosure of Material Facts ( TILA & 34 C.F.R. 685 ) * * I was never informed that my * * Master Promissory Note ( MPN ) * * would be treated as a * * negotiable instrument * *, potentially sold, pledged, or monetized for profit under securitization structures. I was not told that I was creating credit through my signature or that the school and servicer may not have loaned me actual funds from their own capital.

2. * * Improper Mailing of Disclosures to an Old Address ( FERPA & FDCPA ) * * Despite updating my contact information through official channels, Aidvantage and/or prior servicers sent legally binding notices and disclosures to an * * outdated address * *. As a result, I was never given the opportunity to respond, dispute, or defend myself during critical timeframes.

3. * * Failure to Validate Debt ( FDCPA & UCC Article 3 ) * * Aidvantage has failed to provide lawful validation of the debt under * * 15 U.S.C. 1692g * *, including : - Proof of ownership or chain of custody of the original note- Verification that actual loan value was extended- Disclosure of whether the promissory note was sold, pledged, or securitized 4. * * Unfair and Deceptive Servicing Practices * * The repeated misrepresentation of their role as creditor or lender is misleading under federal law. The debt may no longer be enforceable if the note was sold or securitized yet no documentation proving otherwise has been provided.

-- - intervention. I reserve all rights under applicable consumer protection laws and expect immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
My vehicle was repossessed without any written notice or warning. I never received a default notice, repossession notice, or a post-sale explanation of the vehicles sale. The lender then reported this repossession to the credit bureaus, damaging my credit. I contacted the lender and requested documentation, but I have not received any response or validation.

Never Get the 1099 documents for taxes and they sold the vehicle and the amount still the same. 
What I want : I am requesting that the lender remove this repossession from my credit report, provide the legally required documentation, and correct any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
XX/XX/XXXX RE : CEASE AND DESIST DEMAND Dear Sunrise Credit Services , Inc. Account Number XXXX, Sunrise Credit Services , Inc. furnished a report in reference to my Social Security number regarding an alleged debt Sunrise Credit Services , Inc. claims is owed. This letter serves as your legal notice, pursuant to the provisions of the Fair Debt Collection Practices Act, 15 U.S. Code 1692c ( c ), to CEASE AND DESIST ALL COMMUNICATIONS and transmissions of electronic files containing the consumers name and address, her status as a debtor, details of debt, and other personal information regarding the above-referenced alleged debt. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) ( XXXX, XXXX & XXXX XXXX ). 

The consumer has decided not to work or communicate with any collection agency regarding this matter. Any further correspondence from your organization or any other collection agency will be discarded or returned to you unopened. XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). 

WHEREFORE, the consumer demands that all collection activitiescalls, visits, electronic communication with third parties regarding details of the alleged debt, the consumers status as a debtor, and the precise amount of the alleged debtCEASE AND DESIST, and that this account be REMOVED from all three consumer reports. Failure to comply with this legal notice to cease and desist all forms of communication constitutes a violation of the Fair Debt Collection Practices Act and may warrant legal action. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-06-13 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I'm reaching out to demand the immediate deletion of an unauthorized credit inquiry made by your company, which now appears on my credit report. I want to be absolutely clear : I never gave permission, written or verbal, for my credit to be pulled. 

This inquiry was made without my knowledge or consent, and as such, it constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Not only is this a breach of my privacy, but its also damaging to my credit profilecompletely without justification. 

Let me state this plainly : I did not apply for credit with your company. 
I did not authorize any inquiry, soft or hard. 
I have no existing relationship with your organization that would legally justify accessing my credit information.

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 2025-06-13 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: MA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

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 2025-06-13 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: TX

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts / information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: LA

Complaint narrative:
Rent recovery systems are attempting to collect a debt that has not been verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue XXXX  and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX  for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX  faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA.

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
To Whom It M

ay Concern, This is a formal Round 2 dispute concerning fraudulent and unauthorized accounts and inquiries previously disputed and removed from my credit reports. These same accounts were illegally reinserted without the required five-day advance notice under FCRA 611 ( a ) ( 5 ) ( B ). According to federal law, if a credit bureau reinserts a previously deleted item into a consumers credit file, it must notify the consumer within five business days and include the name and contact information of the furnisher of the information. This notice was never provided to me, which is a clear violation of my rights.

I demand that these accounts and inquiries be permanently deleted and that you issue immediate written confirmation of all deletions. Continuing to report unverifiable, inaccurate, and fraudulent information is willful noncompliance and subjects your agency to civil liability under the FCRA.

Legal Consequences of Noncompliance If these violations are not corrected immediately, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) Take legal action under FCRA 616 and 617 for damages and statutory violations Report these continued violations to my state Attorney General and include them in future legal proceedings

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I recently examined my credit report and identified an account with inaccurate information. Specifically, XXXX payments were reported as late, despite being paid on time. Consumer reporting agencies are obligated to ensure all data is fully accurate, and this account does not reflect my timely payments. I have attached a copy of my credit report to this complaint, highlighting the error for the date of XXXX, XXXX  and XXXX, XXXX. I request that you promptly investigate this matter and correct the payment status to reflect they were paid on time. Thank you for your attention and swift resolution.

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 2025-06-13 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$900.00} XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXdischarged Reference # : XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XX/XX/year> Subject : Dispute of Unauthorized Hard Inquiry on Credit Report To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry listed on my credit report. I recently obtained a copy of my credit report from your bureau and noticed a hard inquiry from CAP ONE NA dated XXXX, which I do not recognize and did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), hard inquiries should only be made with my explicit authorization, typically in connection with a credit application I have initiated. I have not applied for credit with this company nor have I given permission for this inquiry. 

I respectfully request that this unauthorized hard inquiry be investigated and removed from my credit report. Please consider this letter as a formal dispute of that item under the FCRA. 

Enclosed are copies of my identification and a copy of the relevant portion of my credit report highlighting the unauthorized inquiry for your reference. 

Please provide a written response of the results of your investigation within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: HI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a purchase from XXXX for {$930.00} using my Chase credit card. At the time, my available credit limit was {$1600.00}. Shortly after, the order was canceled by XXXX, and the full amount was refunded. 

After the refund, my available credit showed over {$2400.00}, as expected. However, the next day, without me making any purchases, my available credit suddenly dropped to around {$500.00}. 

I contacted Chase customer service and explained the situation, but they were not helpful and did not resolve the issue. 

I believe there is a system error or miscalculation, and I am being unfairly limited in my credit usage. I would like CFPB to help investigate this issue and request Chase to correct my available limit and provide a clear explanation. 

Thank you. 

Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
Name : XXXX XXXX DOB : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXX Ga XXXX Last 4 Of SSN : XXXX Phone Number : ( XXXX ) XXXX Email : XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or unverifiable. I have already contacted the original creditor who pulled my credit report and filed a dispute with them as well. I kindly request that you investigate this matter and remove these accounts from my credit report as it does not belong there. 

To whom it may concern, I XXXX XXXX have asked multiple times for each creditor to investigate inaccurate information on my credit report. I asked each creditor to provide the following information : -Original Purchase Agreement -Original Terms & Conditions -Proof of ownership of the debt -Date of first delinquency with Original Creditor All these creditors came back 2 times or more saying verified without sending the information I requested proving Im responsible for these inaccurate accounts on my credit report. Now Im asking for each creditor to give me their ( Method Of iInvestigation ). Fail to provide method of investigation within 15 days of receiving this letter, creditors will need to remove negative items from my credit report immediately. 

Creditors Name and Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I appreciate your prompt attention to this matter. Thank you for your time and assistance. 

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 non-monetary relief