vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This is a formal dispute under FCRA Section 611 ( 15 U.S. Code 1681i ). Please investigate this item. If you can not verify it with original documentation from the data furnisher, it must be deleted within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
1. 15 U.S.C. 1681i ( a ) ( 1 ) - Procedure in Case of Disputed Accuracy * * Your failure to properly reinvestigate these accounts and your improper reinstatement without adequate verification violates the mandatory reinvestigation procedures required under this section. 

* * 2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) - Notice Requirements * * You have failed to provide proper written notice of the reinstatement as required by this provision, which mandates specific notification procedures when previously deleted information is reinserted into a consumer 's file. 

* * 3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) - Requirements for Reinsertion * * The reinstatement of this information violates the strict requirements for reinsertion of previously deleted information, including the requirement that the information be verified as complete and accurate by the information furnisher.

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 2025-06-01 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX they do not list Account numbers there are accounts. XXXX XXXX  XXXX account no acct number given again, XXXX XXXX XXXX again no mumber given all accounts have been disputed and are inaccurte violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX they do not list Account numbers there are accounts. XXXX XXXX  XXXX account no acct number given again, XXXX XXXX XXXX again no mumber given all accounts have been disputed and are inaccurte violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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.

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 2025-06-01 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: KY

Complaint narrative:
To Whom It May Concern, I am writing to formally request a discharge of my federal student loans under the XXXX XXXX to Repayment provision due to the deceptive and predatory practices I experienced during my enrollment at XXXX  XXXX XXXX XXXX in which I enrolled XX/XX/XXXX. 

At the time I enrolled, I was battling addiction and was not in a healthy or stable mental or emotional state. In this vulnerable condition, I was coerced into signing financial aid and enrollment contracts while under the influence of drugs. I did not understand the financial commitment I was making, and the schools representatives took advantage of my impaired state. 

I was promised a full scholarship, which they claimed would cover all tuition and fees. In fact, I was told that the scholarship was so substantial that I would receive leftover money in installments, which would be disbursed to me regularly. These assurances were a key reason I agreed to enroll. I was led to believe I would not incur any personal financial burden whatsoever. I am now however in {$12000.00} in debt due to their disgraceful lies & manipulating tactics. 

In addition, the school representatives stated that, because I am XXXX  and the school served a primarily XXXX XXXX  student population, I would be considered a minority and thus eligible for this special full-ride scholarship. I have since learned that these promises were also made to other students and that no such scholarship actually existed. This was a clear act of fraud and misrepresentation. 

Later, the school granted me a leave of absence, but I was never formally notified of any discharge, withdrawal, or change to my enrollment status. I did not receive any documentation or follow-up communication regarding my academic standing or the financial consequences. I was left in the dark with no understanding of my student loan obligations. 

Had I been fully informed, or in a sober and sound state of mind, I never would have agreed to sign anything that made me financially responsible for tuition or fees. I could not afford to take on any debt and believed in good faith that I was attending the school under the scholarship terms they had described. 

I respectfully request that my federal student loans be discharged in full due to the schools unethical behavior, the false and misleading statements made to me, and the coercive circumstances under which I was enrolled. I am also willing to provide additional details or a personal statement if necessary. 

Thank you for taking the time to read my submission from my borrowers defense letter. My loan was with XXXX initially, which is now with XXXX. I submitted a case for discharge on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.A.Rogers, Inc.
State: DC

Complaint narrative:
Dear R.A.ROGERS, INC I am writing in response to your recent communication dated XX/XX/year>, in which you claim that I owe a debt. I am requesting validation of this debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

1. Request for Debt Validation Under the FDCPA, I have the right to request verification of the debt you claim I owe. Please provide the following : The name of the original creditor. 

The amount of the debt, including a detailed breakdown of principal, interest, fees, and any other charges. 

A copy of the original contract or agreement that gives rise to this debt. 

Proof that you are authorized to collect debts in my state. 

Verification or a copy of any judgment against me, if applicable. 


2. FCRA Violations If you have reported this debt to any credit reporting agency, I am disputing the accuracy of this information. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : You must not furnish information to any consumer reporting agency if you know or have reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681s-2 ( a ) ( 2 ) : If you receive a notice of dispute from a consumer reporting agency, you must investigate the dispute and report the results to the agency. 

15 U.S.C. 1681s-2 ( b ) : If you receive notice of a dispute directly from me, you must conduct a reasonable investigation and report the results to the credit reporting agency. 


Please provide the requested validation within 15 days of receiving this. If you fail to do so, I will consider this debt invalid and may take appropriate action to protect my consumer rights. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist froze my account and wont give me my money

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 2025-06-02 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: GA

Complaint narrative:
I am disputing a bankruptcy entry on my credit report bc the U.S. Bankruptcy Court has confirmed they do not provide this information to credit reportin agencies. As required under the Fair Credit Reporting Act ( FCRA 611 ), all reported inforation must be accurate and verifiable. Since the court is not the source, I am requestin that u remove this unverifiable item from 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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: SC

Complaint narrative:
as of 15 USC1692 G this letter is in response to a recent communication I received regarding an alleged debt referenced above. I am exercising my rights under the fair debt collection practices act ( FDCPA ) ,15 U.S. Code 1692g, and formally requesting validation of the alleged debt.

1 ) I need a full detailed list of payment history on this account.

2 ) I want to see the original wet signature I agreed to on the contract for this creditor.

3 ) has there been any insurance claims on this debt?

4 ) I want the chain of title/custody that you have to collect on this debt.

If you can not provide all of these documents, then it needs to be removed and deleted from my report. thank you

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 2025-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened a Synchrony Home Design credit card on XX/XX/year>. I made purchases and then paid the entire balance in full $ XXXX XX/XX/year>. I had a {$0.00} balance at that point. 

Despite this, Synchrony charged me {$84.00} in interest on XXXX XXXX same day I paid in full. They later claimed my due date was XX/XX/XXXX, just XXXX days after I opened the account, and began adding interest and late fees. I never received a first billing statement before paying in full. Now they claim my account is past due and have increased the amount owed to {$160.00} through added fees. 

I contacted Synchrony multiple times through chat to dispute this charge and request documentation, including the billing cycle dates, grace period terms, and the exact reason for interest being assessed. They refused to remove the charge and stated that even payments made before a statement is generated can result in fees, which contradicts standard credit card practices. 

I am now being threatened with collections and negative credit reporting for a charge that I should not owe. I am requesting a full reversal of all interest and late fees, written confirmation that my account is not past due, and assurance that this will not impact my credit.

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 monetary relief
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX acct # 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 2025-06-02 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX acct # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo failed to handle my fraud claim properly so I appended a case in small claims court and nobody showed up to the hearing or contacted me till 2 months after case was filed and I was given judgment in my favor for them to pay and then they tried getting it put back on and they continued making errors so now I involved the sheriff

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I want u help make a letter for debt validation and ownership. Copie of original contrac and signature from all partys. Any agreement sent must be with origal creidt and includ terms and agreements that create alleged debt including all addendum and riders. Please send proff of chain of ownership of alleged debt. Original owerner to current owner without any break in chain.

Include a full accounting history from original creditor and date and amount of each payment leading to first delinquency. Proff u are allowed to collect debt in ca and including 3rd party debt collect bond.i want prof u sent me legal notice about debt before u reported it to colection agency I want copies of orinal notice sent out any letter tracking ur firm maintain ftc vs XXXX XXXX XXXX makes it clear that if debt parking without proper notice is violation of custermer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This is a formal dispute under FCRA Section 611 ( 15 U.S. Code 1681i ). Please investigate this item. If you can not verify it with original documentation from the data furnisher, it must be deleted within 30 days.

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 2025-06-02 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: SECURITY FINANCE CORP
State: GA

Complaint narrative:
Hello, I requested that closed accounts off of my credit report to be removed and it caused my credit score to drop on XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I've also contacted the bureaus for names, addresses and numbers that were inaccurate on my report. Please delete the items as soon as possible. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: PA

Complaint narrative:
I am writing to formally dispute the fraudulent accounts listed on my credit report under the Fair Credit Reporting Act ( 15 USC 1681c-2 ) due to identity theft. I have attached my Federal Trade Commission ( FTC ) Identity Theft Report, along with copies of my identification, Social Security Number ( SSN ), and proof of address as required by law. 

Please be advised that under the aforementioned statute, a police report is not a requirement for the dispute of these fraudulent accounts. The accounts in question were opened without my consent, and I demand their removal from my credit report within four ( 4 ) business days. 

The details of the accounts I am disputing are as follows : 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 - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I expect your prompt attention to this matter. Please confirm receipt of this letter and provide written confirmation that the disputed accounts have been deleted. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX Attachments : - FTC Identity Theft Report - Copy of ID - Proof of Address

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