vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
In XX/XX/XXXX, I paid off the entire balance of my student loans with Aidvantage, totaling {$17000.00}. I received confirmation emails from Aidvantage at the time showing that all loans had been paid in full. 

In XXXX, Aidvantage began sending me new bills, claiming that one of the loans remained unpaid. I contacted customer service and submitted documentation from my bank, XXXX XXXX XXXX, including a certified letter confirming that the full payment was made and received by Aidvantage. I also personally sent a certified letter and uploaded all documents to my Aidvantage account as requested.

A representative from Aidvantage confirmed that this documentation was received and told me the issue would be fully resolved and my account would be closed within two months. 

However, in XXXX, I again began receiving false billing notices, and my account showed a late balance. On multiple calls this year, representatives have acknowledged that my documentation is still visible in their system and that it confirms full payment. One representative provided a case number and assured me that a supervisor would return my call within 24 business hours. That call never came.

I followed up and again attempted to escalate the issue. Each time I mentioned escalation, including legal consultation or supervisory review, I was disconnected mid-call. This same pattern occurred in XXXX, and it has now happened a total of three times over two years.

I have fully paid off my loans, provided documented bank evidence, followed all Aidvantage procedures, uploaded materials as requested, and received verbal acknowledgments from representatives that my documentation is present and valid. Despite this, I continue to receive billing notices for a debt that was paid in full over two years ago.

I am requesting the following : Immediate removal of this erroneous balance.

Written confirmation that my account is closed and in good standing.

A full stop to all billing notices and late payment notifications.

I have acted in good faith at every stage, complied with all documentation requests, and exhausted every internal resolution path. Continued attempts to collect on this debt are unjustified, distressing, and potentially unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
T

his is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year>

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 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/year>, I went to XXXX XXXX  to book flights for my wedding in XXXX XXXX. As I was booking the flights, a promo for their credit card popped up and it offered a {$0.00} intro annual fee. I applied for the credit card but I was not initially approved. When I returned from my vacation I noticed the credit cards in my mailbox. Then I received a statement with a {$99.00} balance. Since the advertising offered a {$0.00} annual fee for the first year, I did not pay attention to it. Then I started getting a lot of calls, but it is difficult to know what is real and what is a scam. I then got another letter about a late payment notification. I called Barclays and tried to figure out why I was being charged the {$99.00} fee. I directed them to the page where it's advertised all over the XXXX XXXX  and Barclay 's webpage and they were only able to initiate an investigation. I called on Wednesday and spoke to XXXX, he mentioned that they were not going to waive the fee. In an effort to avoid a late payment report on my credit, I decided to pay for it. Their false advertising with fees could get a lot of consumers to sign and apply for these credit cards and be scammed out of {$99.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; I have screenshots and the direct links to the terms and conditions and their misleading website.

These companies should be sanctioned for their deceptive practices related to fees.

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 2025-08-01 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: NY

Complaint narrative:
I was recently reviewing my credit report and noticed several inaccuracies on an account. This account is damaging my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX  XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
I was recently reviewing my credit report and noticed several inaccuracies on an account. This account is damaging my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX  XXXX ( Account # XXXXXXXX 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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XXXX XXXX XXXX XXXX stole my two day old ( {$670.00} ) XXXX phone and transfered funds from my Cash App to his XXXX account. It totaled about {$2400.00}. I was granted about {$1400.00} back but not the one separate {$1000.00} transfer. I was denied my claim then also an appeal. Why in the world would I be in the right on over half the transactions but not the rest? I have copies of the claims that were accepted, police report, XXXX XXXX  showing missing phone and my phone insurance ( XXXX  ) where Im trying to get new phone after {$180.00} deductible. I am desperately seeking your help in recovering my funds. I greatly appreciate you and your assistance. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I received my direct deposit from work into my XXXX  XXXX  account on the evening of XX/XX/year>. Today I tried to pay rent from my XXXX  account and the account is frozen. I have repeatedly tried to reach out to XXXX  to correct this and they keep on telling me they can't fix it and I must wait 3-5 business days for an account specialist to reach out to me. When I ask to speak with a specialist they have closed the chat on me twice and another time told me there was nothing they could do and I just had to wait. I need immediate access to my funds so my rent payment isn't late ( XX/XX/year> ) XXXX  is not being helpful to solve the issue and just keep making me wait or go in circles to try to access my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account is being reported as delinquent, but that information is inaccurate. I am requesting that it be disputed and updated to show no late payments.

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 2025-08-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: IN

Complaint narrative:
I am an XXXX and I was registering for classes for my XXXX at XXXXXXXX XXXX I never signed any legal documents regarding payments. I did not receive credit for any courses and am not registered for the university. On my credit score it shows I owe XXXX XXXXXXXX to a collections agency on behalf of XXXX. This is completely false.

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 2025-08-01 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: NV

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

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

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

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

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

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I told the company to cease and desist and that I was not paying the debt. Have no knowledge of debt or contract with said debt collection company. They also never verified or validated the debt, they are trying to collect on a debt that is over 7 years old and 3 years old by NYS consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am disputing a credit reporting error by CB/NY & CO . This account was : Closed on XX/XX/2024 Paid in full with {$0.00} balance Not delinquent ( 0/0/0 lates ) Despite this, CB/NY & CO is reporting XXXX XXXX bankruptcy in the remarks even though my bankruptcy was filed after the account was already closed and paid.

This is inaccurate and misleading under : FCRA 1681e ( b ) Failure to ensure accuracy of data FCRA 1681s-2 ( b ) Duty of furnishers to correct errors UDAAP Misleading reporting that suppresses post-bankruptcy recovery The account also reflects Account closed by credit grantor, which confirms it was closed outside of bankruptcy. This is damaging my credit profile and must be corrected or removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is a formal complaint against Experian, Equifax and Trans Union for knowingly publishing and retaining tradeline data furnished by XXXX XXXX that violates the

Metro 2 Credit Reporting Format, resulting in continued publication of a false and fraudulent account for over 100 months. I submitted an Affidavit of Non-Consent & Denial of Forbearance Agreement, under penalty of perjury, directly disputing the existence, ownership, and legitimacy of the reported account. Despite this, Experian, Equifax and Trans Uion has continued to report the tradeline in violation of Metro 2 guidelines, FCRA 1681i, and CFPB Bulletin 2016-01.

Legal & Regulatory Violations by Experian, Equifax and Trans Union ( Metro 2Specific ) Experian has published and maintained inaccurate tradeline data from XXXX in violation of Metro 2 standards, including but not limited to the following : 1. Metro 2 Field 17 Date of First Delinquency : The date field is materially inaccurate or fabricated. The account was falsely reported as delinquent or in forbearance without a valid contractual history or legal origination, in violation of Metro 2 base segment rules. 2. Metro 2 Field 17A Compliance Condition Code : Experian failed to accurately code this account as disputed by consumer ( Code XB ) after receipt of my dispute and affidavit. This violates the FCRA 1681i and Metro 2 guidance requiring dispute markers on accounts under investigation.

3. Metro 2 Field 28 Account Status Code : Experian accepted a status code indicating forbearance or deferment without a valid underlying contract. There is no forbearance agreement signed by me, and no digital or physical consent exists. This field misrepresents my creditworthiness.

4. Metro 2 Fields 11 & 12 ECOA and Consumer Information Indicator : The tradeline omits the correct ECOA code and misrepresents the responsible party. No legitimate originator or contract is linked to my SSN or signature.

5. Metro 2 Field 3945 Payment History Profile : Experian has published over 100 months of fraudulent payment history for a student loan I never signed for. This long-standing misrepresentation creates an artificial, prejudicial record that is wholly inconsistent with my verified financial activity.

Evidence Attached : Notarized Affidavit of Non-Consent, signed and executed under penalty of perjury, declaring that I : Never opened this account ; Never agreed to or signed a forbearance agreement; Have suffered material harm from this false reporting ; Have disputed this information directly and received no lawful correction or reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: IL

Complaint narrative:
This is a formal complaint against Experian, Equifax and Trans Union for knowingly publishing and retaining tradeline data furnished by XXXX XXXX that violates the

Metro 2 Credit Reporting Format, resulting in continued publication of a false and fraudulent account for over 100 months. I submitted an Affidavit of Non-Consent & Denial of Forbearance Agreement, under penalty of perjury, directly disputing the existence, ownership, and legitimacy of the reported account. Despite this, Experian, Equifax and Trans Uion has continued to report the tradeline in violation of Metro 2 guidelines, FCRA 1681i, and CFPB Bulletin 2016-01.

Legal & Regulatory Violations by Experian, Equifax and Trans Union ( Metro 2Specific ) Experian has published and maintained inaccurate tradeline data from XXXX in violation of Metro 2 standards, including but not limited to the following : 1. Metro 2 Field 17 Date of First Delinquency : The date field is materially inaccurate or fabricated. The account was falsely reported as delinquent or in forbearance without a valid contractual history or legal origination, in violation of Metro 2 base segment rules. 2. Metro 2 Field 17A Compliance Condition Code : Experian failed to accurately code this account as disputed by consumer ( Code XB ) after receipt of my dispute and affidavit. This violates the FCRA 1681i and Metro 2 guidance requiring dispute markers on accounts under investigation.

3. Metro 2 Field 28 Account Status Code : Experian accepted a status code indicating forbearance or deferment without a valid underlying contract. There is no forbearance agreement signed by me, and no digital or physical consent exists. This field misrepresents my creditworthiness.

4. Metro 2 Fields 11 & 12 ECOA and Consumer Information Indicator : The tradeline omits the correct ECOA code and misrepresents the responsible party. No legitimate originator or contract is linked to my SSN or signature.

5. Metro 2 Field 3945 Payment History Profile : Experian has published over 100 months of fraudulent payment history for a student loan I never signed for. This long-standing misrepresentation creates an artificial, prejudicial record that is wholly inconsistent with my verified financial activity.

Evidence Attached : Notarized Affidavit of Non-Consent, signed and executed under penalty of perjury, declaring that I : Never opened this account ; Never agreed to or signed a forbearance agreement; Have suffered material harm from this false reporting ; Have disputed this information directly and received no lawful correction or reinvestigation.

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