vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Formal Dispute and Investigation Request Bank of XX/XX/XXXX Account # XXXX XXXX XXXX Re : FCRA XXXX, XXXX ( b ), and FDCPA XXXX ( c ) To Whom It May Concern, I am submitting this letter as a formal dispute regarding the accuracy and legality of an account reported under my name and credit file : Creditor : Bank ofXX/XX/XXXX. 
Account Number : XXXX XXXX XXXX Type : Revolving Credit Status : [ Insert what appears on reporte.g., Charged-off, Closed, etc. ] I have reason to believe this account is being reported without proper authorization or a lawful permissible purpose as required by 15 U.S. CXX/XX/XXXXe XXXXb. I have not been provided with documentation verifying that Bank XXXX XXXX obtained or furnished my consumer information in compliance with this statute. 

Under FCRA XXXX ( b ), upon receipt of a consumer dispute, the credit reporting agency is required to : XXXX. Notify the furnisher of the dispute ; XXXX. Conduct a reasonable investigation ; and XXXX. Delete or correct any information that can not be verified as accurate and complete. 



In addition, a cease-and-desist notice has been issued to the furnisher under 15 U.S. CXX/XX/XXXXe XXXX ( c ) of the FDCPA, which prohibits further communication or collection attempts except as required by law. 

Accordingly, I am requesting that your bureau conduct a full reinvestigation of this Bank XXXX XXXX account and provide written confirmation of XXXX of the following withinXX/XX/XXXX days of receipt of this letter : Verified documentation proving the accounts accuracy, authorization, and lawful reporting, or Immediate deletion of the account from my credit report if such verification can not be substantiated. 


Please send me the results of your investigation along with copies of all materials used to verify this account. 

If this information is not verified as required under the FCRA, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of federal consumer protection laws.

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 2025-10-12 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: NY

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT MY NAME AND ADDRESS IS INCORRECT AND ALSO HAVE ACCOUNTS THAT ARE REPORTING WHICH DONT BELONG TO ME

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 2025-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, Aidvantage repeatedly mismanaged my federal student loans and continues to make accurate servicing impossible. At least {$30000.00} in disputed interest has been assessed while the company claims my account can not be serviced due to ongoing litigation, blocking access to normal customer functions and records. 

Chronology and Issues XXXX XXXX XXXX  : My balance rose by more than {$3000.00} despite being under administrative forbearance with 0 % interest ( SAVE plan ). 
XX/XX/XXXX : Aidvantage erroneously placed my loans in in-school deferment even though I graduated in XXXX, removing me from XXXX and altering repayment progress. 
XX/XX/XXXX : In XXXX Case # XXXX, Aidvantage admitted it only retains borrower correspondence for 12 months, violating 34 C.F.R. 682.414 and XXXX and the Illinois XXXX XXXX XXXX Rights Act ( 110 ILCS 992/5-25 ), which requires payment histories within 21 days. 
XX/XX/XXXX : Aidvantage mailed documents exposing my full SSN in damaged packaging, violating 815 ILCS 505/2RR and 5 ILCS 179/10. 
XX/XX/XXXX : My online portal displayed XXXX XXXX XXXX yet showed {$33000.00} in XXXX XXXX. I paid {$2500.00} on XX/XX/XXXX, but XXXX days later no update or ledger correction appeared. 
Since XXXX, the company has refused to provide full payment, interest, and capitalization histories, invoking litigation privilege. Such records are ordinary business data required by 34 C.F.R. 682.208 & 685.211, not privileged materials. 

XXXX Complaints XXXX prior CFPB complaints ( # XXXX XX/XX/XXXX and # XXXX XX/XX/XXXX ) were closed with explanation even though Aidvantage never produced the requested data. The servicer referenced XXXX Ombudsman XXXX # XXXX ( XX/XX/XXXX ), which remains unresolved. 

Ongoing Harm Aidvantage continues to accrue and capitalize interest while denying me servicing access, effectively freezing my account but still charging interest. This conduct violates federal servicing rules, the Truth in Lending Act, and Illinois law, materially impairing my ability to manage, verify, or dispute my loans. 
Requested Resolution 1. Provide complete PDF/CSV transaction-level records : all payments, daily interest, and capitalization events.

2. Recalculate balances, reverse unauthorized interest, and correct credit reporting.

3. Cease invoking litigation privilege to withhold routine account data.

4. Implement lawful record-retention and privacy safeguards.

5. Compensate me for financial losses and interest improperly assessed during the restricted-servicing period. 
XXXX. Place the account in administrative forbearance with interest waived until full reconciliation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are late payment entries on my credit report that I believe to be incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include accurate, complete, and verifiable information. I am requesting that these late payments be verified, and if they can not be confirmed, they should either be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding a collection account reported by XXXX XXXX Co for {$570.00} that appears on my credit report. 

I am disputing this account under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, as the account has not been validated or verified with supporting documentation that proves the debt is mine or that the furnisher has a legal right to report it. 

I requested verification of this account, including the original signed agreement or proof of ownership, and have not received any such documentation. Reporting unverifiable information violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing data known to be inaccurate or unverified. 

I am requesting a full investigation and removal of this account from my credit file unless XXXX XXXX Co can provide complete documentation validating the debt in accordance with FCRA requirements. 

Please ensure this matter is properly reviewed and that my consumer rights under federal law are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Robinson Economic Development Corporation
State: AZ

Complaint narrative:
I borrowed {$1200.00} from XXXX XXXX XXXX. Each month they automatically deduct {$240.00} from my bank account XX/XX/XXXXeach month. I have other financial obligations to pay each month besides XXXX XXXX XXXX. I am unable to keep up with their payments XX/XX/XXXX a month because the amount are too much. I believe the interest charged to me is too much under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-12 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: WA

Complaint narrative:
I am requesting a complete manual reinvestigation of all tradelines on my credit file to verify that each furnisher and credit bureau has accurately reported the Date of First Delinquency ( DOFD ) in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ).

Some accounts appear to have inconsistent or missing DOFD information, or may have been refreshed or re-aged beyond the lawful seven-year reporting period outlined in FCRA 605 ( a ) ( 4 ). These discrepancies can cause negative items to remain longer than permitted or appear newer than they are.

I have not been provided documentation verifying the original DOFD for these tradelines. I am asking the CFPB to ensure that all credit bureaus ( TransUnion, Experian, and Equifax ) and data furnishers conduct a manual verification and cross-check of their records to confirm that each bureau is reporting identical, accurate DOFD data across my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
On or around XX/XX/year>2023, I was contacted by a creditor about an account allegedly opened in my name with a balance of {$1100.00}. I had no knowledge of this account and requested documentation to verify that it was legitimately mine. 

Instead of providing any proof or account documentation, the representative made an inappropriate comment, saying that people like me should pay their debts. I found this statement unprofessional and discriminatory. 

Because no verification or supporting documents were provided, I informed the creditor that unless they could send valid proof showing that I was responsible for this account, they should not contact me again. To date, I have not received any confirmation or evidence linking me to this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: F.H. Cann & Associates, Inc.
State: MI

Complaint narrative:
FH Cann & Associates {$5400.00} Inaccurate balance reporting and inconsistent dates between bureaus. 
No XXXX  documented, re-aging suspected. 
Violation of FCRA 602 ( a ), 607 ( b ), 611 ( a ), 623 ( a ) ( 5 ), 605 ( c ) ; FDCPA 807, 809.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This information doesnt match the information I removed from XXXX  and isnt mine!

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDiscover Card / Discover Bank\nAttn: Compliance DepartmentXXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute and Cease & Desist Notice  Account #XXXX XXXX XXXXnRe: Violation of FCRA 1681b and 1681s-2(b)\n\nTo Whom It May Concern,\n\nThis letter serves as a formal dispute and cease-and-desist notice regarding the reporting and continued verification of the above-referenced Discover Card account on my credit report.\n\nUnder 15 U.S. Code 1681b, you are prohibited from obtaining or using my consumer report without a permissible purpose. I have reason to believe that my personal information and credit data are being accessed, furnished, or reported without proper authorization or a valid permissible purpose, which constitutes a direct violation of this statute.\n\nAdditionally, pursuant to FCRA 1681s-2(b), once a consumer disputes the accuracy or completeness of any information you have furnished to the credit reporting agencies, you are legally obligated to:\n\n1. Conduct a reasonable investigation regarding the disputed information,\n\n\n2. Review all relevant information provided by the consumer reporting agency, and\n\n\n3. Correct, delete, or block any information found to be inaccurate or unverifiable.\n\n\n\nTo date, I have not received sufficient evidence that this account and its reporting are being lawfully maintained or verified with accuracy. Therefore, I am demanding the immediate cessation of all reporting, sharing, and collection activity related to this account until full validation and lawful purpose can be established.\n\nPlease provide within 30 days of receipt of this letter:\n\nDocumentation validating my written authorization or contract granting Discover Bank permissible purpose under 1681b; and\n\nComplete verification records showing compliance with 1681s-2(b) obligations.\n\n\nIf you are unable to provide the above documentation, you must immediately delete and remove all references to this account from any consumer reporting agencies and cease further communication or collection activity in accordance with the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) where applicable.\n\nFailure to comply will result in a formal complaint being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney Generals Office for violations of federal consumer protection laws.\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
NEW ISSUE Illegal reinsertion / re-aging after prior correction. 
In early XX/XX/XXXX XXXX  removed/zeroed the XXXX tradeline . XXXX  showed {$0.00} on XX/XX/XXXX, then on XX/XX/XXXX re-reported XXXX XXXX XXXX / XXXXXXXX XXXX XXXX as charged off ; ~ {$1600.00} past due ; {$1400.00} written off ; last payment XX/XX/XXXX ; account closed ; information disputed by consumer. TransUnion continues to report the item. My score fell XXXX points. This is a classic reinsertion after prior correction.

FCRA violations ( CRAs ) : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) A CRA may not reinsert deleted information unless it receives a certification of accuracy from the furnisher and must give the consumer written notice within 5 business days of reinsertion. I received no 5-day notice from TU and no certification.

1681e ( b ) Failure to maintain procedures for maximum possible accuracy ( Equifax deleted ; TU still reports ).

1681i ( a ) ( 1 ) Duty to conduct a reasonable reinvestigation ; boilerplate verified responses are insufficient.

1681s-2 ( a ) ( 5 ) DOFD must control obsolescence ; TU should have the Date of First Delinquency on file to prevent re-aging.

I am also an identity-theft victim ( FTC Identity Theft Report on file ). Even apart from identity theft, this filing is about reinsertion/non-compliance with 1681i ( a ) ( 5 ) ( B ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPAs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with Federal law and provides consumers with the necessary proof of investigation. These are the accounts listed : XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2025-10-12 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: NJ

Complaint narrative:
I am disputing inaccurate reporting from XXXX XXXX XXXX  ( XXXX ), XXXX. regarding a past account that resulted in a court judgment. The account was paid in full through wage garnishment as confirmed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have attached the official court document titled Certification of Collections or XXXX, dated XX/XX/XXXX, which confirms the full satisfaction of judgment on XX/XX/XXXX. 

Despite the account being completely paid, XXXX XXXX continues to report to the credit bureaus as a Paid Charge-Off. This is misleading and inaccurate, as the judgment has been fully satisfied and there is no remaining balance owed. 

I have already attempted to resolve this directly with XXXX XXXX and through credit reporting disputes, but the status remains incorrect. I am requesting that this tradeline be completely deleted to reflect Paid in Full or Satisfied Judgment or removed entirely if XXXX  XXXX can not verify accurate reporting in accordance with the Fair Credit Reporting Act ( FCRA ) 623.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX I need to appeal this denied claim Dispute Case ID XXXX to have it reopen and further look into and research and investigate more because it is unauthorized and my username is XXXX and my email is XXXX and phone number is XXXX and if still denied after new decision please give me a onetime credit for XXXX because I already need it or give me a onetime Courtesy Disbursement for it So please reopen it up and appeal it and re investigate it again etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
{$1600.00} was taken out of my account by debit cards although I had the physical card in my possession at all times. Transactions were done between XXXX and XXXX. I reported it to TD on XXXX but some could not be included in original complaint as they were pending. Original dispute was denied. I then refiled both claims on XX/XX/year> and got a police report. 
They were again denied by TD bank. They denied them because I did an internal transfer and did not check and see the disputes previously to XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On 2023 i was trying to get a heloc loan, but due that shellpoint during the Pandemic, place the forbearance amount in the back of the loan as it a second mortgage ; it was impossible to get the heloc loan, then i cancel the insurance with citizen after XXXX month, but shellpoint paid to citizen the whole amount ( {$2900.00} ), and they said that the different will be reimbursed to me. That i did not like, but that was the only way, then they force an insurance of {$5000.00} to cover the investment ( {$400.00} a month ), my mortgage payments when from {$1200.00} to $ XXXX.Now i did put back XX/XX/XXXX insurance for {$2600.00}, the different bewteen last year property taxes and this year, is of {$48.00}. My new mortgage payment will beXX/XX/XXXXXXXXThis calculation does not add up.

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