vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I got a XXXX percent interest card from Synchrony. The representative from XXXX XXXX XXXX  set me up with financing. He said it was XXXX percent interest and would allow me to spread out the payments over the course of the year. This card was orginally making payments, then stopped, and charged me very excessive late fees of XXXX XXXXXXXX. Apparently they were also charging me accrued interest, which I was unaware of and should not have mattered because the loan balance should have been paid off. They charged me a lump sum of {$560.00} dollars worth of interest for the year even though the original principal balance was only {$1600.00} dollars and I had been making the full payments on this. I just called them to ask why this it wasnt already paid off as I originally set up the payments and even paid the late fees to be caught up. I just found out they posted this to my account. I called them and they did not want to take off these predatory charges. These charges should have never happened in the first place and I have never had any issues like this with any credit cards ever before.

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 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
Dear Student Privacy Policy Office, I am filing a formal complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding an unauthorized access and disclosure of my financial aid records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Re : Letter to Remove Inaccurate personal Information 's To Whom It May Concern : This is the XXXX time I sent you this letter to correct my personal info 's to my credit report to see that the updates haven't took place. 

XXXXall these personal information are ABSOLUTELY incorrect. You are reporting XXXX that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. 

XXXXPlease delete the following inaccurate information from my credit file within the next XXXX days. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete the investigation within 30 days of receipt of this letter. 

XXXX If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 



PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, MI XXXX PLEASE UPDATE MY NAME TO : XXXX XXXX MY ONLY SOCIAL SECURITY NUMBER : XXXX MY ONLY AND CORRCT DATE OF XXXX Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc.
State: TX

Complaint narrative:
Requested a debt validation and was never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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:
Subject : Formal Request for Deletion of Unverified Bankruptcy Record Dear Equifax, I am writing in response to your recent investigation results regarding the bankruptcy record on my credit report. As stated in my original dispute, the XXXX XXXX XXXX has confirmed in writing that they do not report, verify, or provide information to credit bureaus. Therefore, the information on my credit file can not be verified at the original source. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when a credit bureau is unable to verify the accuracy of a disputed item, it must be deleted. Since Equifax has failed to provide independent verification of this record from an original source, you are legally required to remove it from my credit report. 

Please provide written confirmation that this unverified public record has been removed from my credit file. If Equifax refuses to comply, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office for failure to adhere to FCRA regulations. 

I expect prompt action on this matter and written confirmation of the removal within 15 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Credit Card Receivables Fund Incorporated
State: PA

Complaint narrative:
On XX/XX/XXXX I looked at my credit report, and I noticed some inaccuracies. 
I sent a letter to XXXX, XXXX and XXXX on XX/XX/XXXX asking them to investigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I sent it certified XX/XX/XXXX, they sent me their investigation and said those accounts are verified and accurate. According to 15 USC 1681i ( 5 ) see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right. 

- Resolution : Please update and delete these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Scott & Associates is attempting to collect a debt that has been sold and reassigned multiple times, and they have not provided full validation of ownership.

Additionally, they violated the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692c ( b ) ) by sending my personal financial information to an unauthorized third-party address ( my uncles house ) instead of my actual address.

I request that the CFPB investigate : 1 Scott & Associates failure to provide proper validation of debt ownership.

2 Their violation of my privacy rights under FDCPA by sending sensitive financial details to the wrong address.

3 Their continued attempts to collect a debt they may not legally own. 

I request immediate corrective action, including the deletion of any unverifiable debt from my credit report and the cessation of all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital called about a debt i said i have no knowledge to please provide documenation i never recieved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
To date, I have not received any response or verification from your agency. As per my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), I am entitled to receive proper validation of this debt.

Therefore, I kindly request that you provide the following information : 1. Verification of Debt Amount : Please furnish detailed documentation showing the total amount owed, including any interest, fees, or other charges related to the debt.

2. Original Creditor Information : I insist on knowing the name and address of the original creditor who initiated this debt. 
3. Proof of Ownership : Provide evidence that your agency has the legal right to collect this debt. 
I expect a prompt response within 30 days from the date of this letter. Failure to provide the requested information will result in the debt being considered invalid and unenforceable. 
Additionally, I reiterate my request that you cease all communication regarding this debt until proper validation is provided. Any further attempts to collect this debt without proper verification will be considered a violation of my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am writing to formally address a fraudulent transaction on my Affirm account, which I noticed on XX/XX/year>. I received an email confirming a loan for a purchase made on XXXX in the amount of {$320.00}, plus a {$9.00} finance charge, totaling {$330.00}. I did not authorize this transaction. 

Upon discovering the unauthorized charge, I immediately reported it on the same day via the Affirm app. I was contacted by a service representative, who assured me that my complaint would be investigated. However, despite multiple attempts to follow upvia phone calls and online chatsover the next several days, I received minimal communication. On XX/XX/year>, I received an email informing me that my dispute was denied. The next day, on XX/XX/year>, I received a final denial of my complaint. 

I want to emphasize that I promptly reported this fraudulent activity and have serious concerns regarding the security of my Affirm account. I believe there is a possibility that my personal account information was compromised, which led to this unauthorized transaction. I also verified my XXXX order history and confirmed that no such purchase of {$320.00}, plus a finance charge, was made under my XXXX account on XX/XX/year>. 

I am requesting a thorough review of this matter and a reevaluation of my complaint. Your prompt attention to resolving this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the reappearance of the XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX previously XXXX XXXX ) on my credit report. This account was previously removed from my credit report, and I was under the impression that it was resolved and no longer appearing. However, I have recently noticed that this account has been re-reported by Equifax on my credit file as of [ date of reappearance ]. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of FCRA and FDCPA Under Section 609 of the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. Furthermore, under Section 611 of the FCRA, if an item is disputed, the credit reporting agency is required to conduct a thorough investigation and either verify or delete the information in a timely manner. In this case, Equifax has failed to verify the accuracy of this account and has wrongly allowed this account to reappear on my report without proper verification, despite the fact that it was previously removed. 

Additionally, under the FDCPA, creditors and credit reporting agencies are prohibited from reporting inaccurate information that is not verified. Equifaxs failure to adhere to these legal standards is damaging to my financial well-being and has caused severe harm. The presence of this inaccurate account has the potential to negatively affect my credit score, limit my ability to obtain new credit, and increase my financial costsdamaging my financial stability. 
Impact on Financial Well-being The reporting of this account has caused a significant financial burden and undue stress. It has hindered my ability to obtain credit at favorable terms and has created a false and misleading credit profile. This has had long-lasting negative effects on my ability to manage debt, secure loans, and improve my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Subject : Demand for Immediate Deletion of Inaccurate/Unverifiable Information Violation of FCRA 15 U.S.C. 1681i ( 5 ) ( A ) To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of inaccurate, incomplete, or unverifiable information from my credit report in accordance with 15 U.S.C. 1681i ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ).

I previously disputed incorrect and inaccurate info on my report and requested a proper reinvestigation. As per the law, if any disputed item is found to be inaccurate, incomplete, or can not be verified, it must be deleted from my file. Yet, to my knowledge, these erroneous entries remain on my credit report.

PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER:XXXX  XXXX. MY ONLY AND CORRECT DATE OF BIRTH : XXXX XXXX. MY ONLY EMPLOYER IS : UPS I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Failure to comply with the FCRA is a direct violation of federal law. You are now on formal notice that if these disputed items are not permanently deleted immediately, I will have no choice but to escalate this matter, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal action for willful noncompliance, which carries statutory damages of up to {$1000.00} per violation, along with punitive damages and attorney fees under 15 U.S.C. 1681n.

Holding you liable for any financial harm caused by your failure to uphold your legal obligations.

This is your final notice. I demand written confirmation that the disputed information has been deleted from my credit report within 15 days of receiving this letter. If you fail to comply, I will take all necessary legal action without further warning.

You have been warned. Govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Subject : Demand for Immediate Deletion of Inaccurate/Unverifiable Information Violation of FCRA 15 U.S.C. 1681i ( 5 ) ( A ) To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of inaccurate, incomplete, or unverifiable information from my credit report in accordance with 15 U.S.C. 1681i ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ).

I previously disputed incorrect and inaccurate info on my report and requested a proper reinvestigation. As per the law, if any disputed item is found to be inaccurate, incomplete, or can not be verified, it must be deleted from my file. Yet, to my knowledge, these erroneous entries remain on my credit report.

PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER:XXXX  XXXX. MY ONLY AND CORRECT DATE OF BIRTH : XXXX XXXX. MY ONLY EMPLOYER IS : UPS I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Failure to comply with the FCRA is a direct violation of federal law. You are now on formal notice that if these disputed items are not permanently deleted immediately, I will have no choice but to escalate this matter, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal action for willful noncompliance, which carries statutory damages of up to {$1000.00} per violation, along with punitive damages and attorney fees under 15 U.S.C. 1681n.

Holding you liable for any financial harm caused by your failure to uphold your legal obligations.

This is your final notice. I demand written confirmation that the disputed information has been deleted from my credit report within 15 days of receiving this letter. If you fail to comply, I will take all necessary legal action without further warning.

You have been warned. Govern yourselves accordingly.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I want to emphasize that I did not provide written authorization to any of the financial institutions involved to share my banking records and history with Chex Systems. This sharing of my nonpublic personal information with your agency constitutes a separate transaction that occurred without my written consent or notice to opt into the sharing of my personal 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 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
Unauthorized access and mismanagement. Breach of FERPA and Federal Loan Regulations. Accessed by XXXX XXXX and DOGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently discovered that my personal informationincluding my full name, Social Security number, and date of birthwas exposed in multiple data breaches. As a result, I have been experiencing ongoing fraud issues, including unauthorized activity on my credit report, frequent fraud alerts, and repeated account freezes. I do not recognize several accounts, inquiries, and other transactions reported in my credit history. I have not authorized any new credit applications, yet my credit file has been accessed multiple times. I have taken steps to protect myself by freezing my credit and placing fraud alerts, but the fraudulent activity continues. I have placed fraud alerts on my credit reports. I have frozen my credit to prevent unauthorized access. I have attempted to dispute unknown accounts directly with the credit bureaus, but the process has been challenging without direct documentation. I am reporting this issue to the CFPB because I need assistance in ensuring that fraudulent accounts and inquiries are removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened an account for my business here. I went through the entire lengthy process requesting documents back and fourth phone calls interviews about the business etc. etc. Finally everything is open finally and im good to go. I switch everything over rent monthly payments etc. etc. Close my accounts with chase etc. After doing all this a couple days later they close my account randomly and when I call for an explanation they said we found that you used to have a personal account here that had disputed transactions on it. Keep in mind someone broke into my apartment and had stolen my wallet and committed several transactions on my account which is why I rightfully disputed the charges.

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