vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I am seeking a deferment to the student loans I have for my son 's college that he didn't finish due to Covid shutdown. I am XXXX  and have submitted all requested information to Aidvantage. Submitting the information was no easy feat, the site would not allow me to upload the information and I kept getting kicked off the site over 25 times. I finally was able to submit one of the documents and faxed the deferment request form. After, I received multiple emails saying that I did not submit the items after receiving they received the items. This has been going on for 8 days. Nothing I do is being processed. I have called multiple times regarding this issue. Also, on my dashboard none of the items that I have submitted are shown but all the agents say that they see the items. I am not sure what is going on but it appears that they are preventing me from having my deferment processed. I do have recorded calls from XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Improper CD Renewal Notice Request Penalty-Free Closure of XXXX * XXXX I did not receive any maturity/renewal notice until XX/XX/year>, which was 23 days after the XXXX renewed on XX/XX/year>. Under 12 CFR 1030.5 ( b ) ( Regulation DD ), for automatically renewing time accounts longer than XXXX month, the renewal disclosures must be mailed or delivered at least 30 days before maturity or at least 20 days before the end of the grace period. 

Because CD renewal notice arrived after maturity, the bank did not provide the required advance disclosures. I asked bank to reverse the renewal and close the XXXX penalty-free, crediting accrued interest through the closure date to XX/XX/year>. 

Bank has RFEUSED to do it. 

I have retained copy of envelope showing delivery on XX/XX/year>. 

Thank you for confirming resolution in writing within XXXX business day

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
On the XXXX and XXXX of XXXX, Midland Credit Management tried contacting me. On my XXXX XXXX, it states that Midland Credit Management is a debt collector scam. I don't know if it is or not, but I am still careful. 

On the XXXX of XXXX I gave them a phone call clearly stating that I am not comfortable giving my personal information over the telephone and if this is a real debt that I would like a debt validation letter sent to me. I asked that all correspondence be put in writing, but they will not do this. 

The people I spoke to said they don't do this and that they would like to conduct matters with me over the phone -- again pressuring me to share, my personal information. I also noted that I do not consent to any audio recordings over the phone and if they did so without my consent that they could be prosecuted. 

In closing, they are refusing to send me a debt validation letter and a chance to review the debt and denying me a chance to even dispute the debt. They won't tell me what the debt is about unless I share my personal information over the phone which I refused. I don't want to be sent to a Credit filing without the proper due process.

I checked all my medical records and as for my credit cards they are paid on time so I have no clue what the debt could be about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2025-08-30 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: TX

Complaint narrative:
To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Method of Verification Request under FCRA 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) RE : Verified Dispute Item - Demand for Proper Verification or Removal I recently disputed the following account ( s ) on my credit report with your agency. I have now received notice that the disputed item ( s ) have been " verified '' as accurate. However, under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request the method of verification used to validate the accuracy of the information. 
Account Name/Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Dispute : XX/XX/XXXX Per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting that you provide me with the following within 15 days of receipt of this letter : 1. The name and contact information of the person or entity with whom you verified the information ; 2. A detailed description of the method used to verify the account ; 3. Copies of any documentation or records used in your investigation to verify this information.

If you can not provide these documents and the exact method of verification within 15 days, I demand that you immediately delete the item ( s ) from my credit report as required by the FCRA. 
Please note that failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office. I will also consider pursuing further legal remedies available to me under the FCRA. 
This is not a refusal to pay but a notice sent pursuant to federal law. 
Sincerely, 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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the failure of a credit bureau XXXX XXXX XXXX XXXX  to properly investigate and provide the required documentation regarding the accuracy of my student loan information. I previously submitted a request to the credit bureau to verify and validate the accuracy of my student loan entries on my credit report, as outlined under Section 611 of the Fair Credit Reporting Act ( FCRA ). However, the credit bureau failed to provide the necessary details or documentation to substantiate the verification process. 

Specifically, I requested the following information in my previous communication with the credit bureau : A description of the procedure used to verify the student loan account, including details of the name, address, and telephone number of the business or person contacted during the investigation. 

Copies of any documentation used by the credit bureau in making the determination that the student loan account was verified as accurate. 

Despite my request, the credit bureau responded by stating that the information had been verified as accurate, but did not provide any supporting evidence or detailed explanation. I believe this failure constitutes a violation of my rights under the Fair Credit Reporting Act. 

Given the lack of an adequate investigation or evidence of the credit bureaus verification process, I am requesting that the Consumer Financial Protection Bureau investigate this matter further. I ask that the credit bureau be held accountable for failing to adhere to the requirements of the FCRA in conducting proper investigations and providing the necessary supporting information. 

Please find attached copies of my previous correspondence with the credit bureau, along with a copy of my credit report showing the disputed student loan information. 

I would appreciate your prompt attention to this matter, as it directly impacts my creditworthiness and financial well-being. If you require any additional information or documentation from me, please do not hesitate to contact me at the details provided above. 

Thank you for your assistance and consideration in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TN

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, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am submitting a formal complaint against American Express XXXX XXXX regarding an improper credit inquiry placed on my personal credit report. 

On XX/XX/year>, I submitted a pre-approval application for a business line of credit product offered by American Express XXXX XXXX. Prior to submitting my information, I was expressly assured that if I was not approved, the process would not result in a hard inquiry on my consumer credit file. Despite this assurance, after being declined, I discovered that a hard inquiry had been improperly recorded on my credit report. This directly contradicts the representations made to me at the time of application.

I brought this matter to the attention of XXXX, who informed me that I must resolve the issue with American Express directly. When I contacted American Express, they stated that it is their policy to conduct a credit check in such situations. This response is inconsistent with the pre-approval assurances I received and leads me to believe that American Express XXXX XXXX may be misleading and manipulating consumers by offering so-called pre-approvals that in fact trigger hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: IA

Complaint narrative:
INACCURATE ACCOUNTS ARE REPORTING TO MY CREDIT FILE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: IA

Complaint narrative:
INACCURATE ACCOUNTS ARE REPORTING TO MY CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: GA

Complaint narrative:
I am filing this complaint regarding inaccurate personal information that remains on my credit report. Despite my attempts to correct the issue directly with the credit reporting agency, the information has not been properly removed. 

The credit report currently lists outdated and/or incorrect personal information, including 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This information does not accurately reflect my identity or current situation and should not appear on my credit file. 

I have previously submitted disputes to the credit bureau ( XXXX ) requesting removal of this information and provided documentation where applicable. However, the bureau ( XXXX ) has failed to correct the errors or provide sufficient justification for keeping this inaccurate information on my report. 

This incorrect personal information may cause confusion, create unnecessary risk of mistaken identity, and negatively affect my ability to maintain an accurate and reliable credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BlueChip Financial
State: FL

Complaint narrative:
I am a customer of XXXX  XXXX  in XX/XX/XXXX I applied for XXXX. The payments were {$95.00} biweekly I was able to make two payments due to some circumstances had to make partial payments of {$20.00} to keep the accounts current and deferments Which were granted and it was never an issue. The last payment I made of {$20.00} was on XX/XX/XXXX of XXXX of {$20.00} to keep the account current. I had to defer it a few times due to some difficulties on XX/XX/XXXX, I got a phone call from this phone number XXXX I didnt answer went to voicemail when I called back. It was from XXXX XXXX an agent pick up, picked up and and I didnt even get a chance to explain that I got a missed call and to find out what its about right away the agent says oh you have a balance {$1800.00} how can we get that back on track not really giving me a chance to explain so I explained I got a call and I wanted to know what the phone call was about. I explained that I have moved payments several times made partial payments. To keep the account current the agent says the account becomes delinquent if you make partial payments or it extends the life of the loan which thats what it says in the emails, but why am I getting a phone call on an early Saturday or late Saturday morning. I I have enough on my plate. A lot of XXXX  I do not need to be harassed. I am on a fixed income, barely getting by. I look forward to a resolution to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
Equifax is erroneously reporting XXXX collection accounts from the XXXX XXXX  XXXX on my Equifax Credit File. I am attaching correspondence directly from the XXXX XXXX XXXX that clarifies this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Dear Equifax , I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach in accordance to 15 usc 1681c-2 ( a ) Accounts in Question : XXXX. XXXX XXXX XXXX - {$39000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information.

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
Discoverc - Several dates listed ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) - These look like charge-offs or negative tradelines with XXXX. 
Bank XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX account, likely closed/negative. 
XXXX XXXX - XX/XX/XXXX XXXX pay {$140.00} XXXX  XXXX - XX/XX/XXXX Capital XXXX account, {$710.00} in the negative So in total, at least XXXX negative accounts are showing. And XXXX different hard inquiries from XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX I believe these accounts and/or inquiries are the result of identity theft, as I did not authorize them nor do they 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 2025-08-30 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: TX

Complaint narrative:
To Whom It May Concern : I am writing in response to your communication regarding the alleged debt you claim I owe. Please be advised that this is a request for validation made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

At this time, I dispute this debt and request that you provide the following : XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including an itemized accounting of all fees, interest, and charges. 
XXXX. Proof that I am legally obligated to pay this debt ( e.g., a signed contract or agreement ). 
XXXX. Verification that you are licensed to collect debts in my state, including your license number. 
XXXX. A copy of any judgment ( if applicable ). 

Until you provide the above documentation, you must cease all collection activities, including reporting this alleged debt to credit bureaus, or you will be in violation of the FDCPA. 

Additionally, please be advised that I am requesting all future communication be in writing only. Telephone calls to my home, cell, or workplace are inconvenient and must cease immediately under 15 U.S.C. 1692c. 

This is a formal notice that I am preserving all rights under federal and state law, including the right to pursue damages for violations of the FDCPA or other consumer protection statutes.

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 2025-08-30 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: TX

Complaint narrative:
Accounts are being reported under my name without my knowledge, consent, or authorization. I have never opened, authorized, or managed these accounts. Their presence on my credit report is inaccurate, misleading, and is causing material harm to my credit profile and financial standing.

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