vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I made a one-time {$1.00} purchase on XXXX to download a PDF version of a passport form. The document provided was not the correct one, but since the charge was small, I did not dispute it. 

Without clear disclosure or my consent, the merchant enrolled me in a recurring {$49.00} monthly subscription. The subscription terms were not stated clearly at the time of purchase, and I did not knowingly authorize ongoing charges. This constitutes an unauthorized recurring charge and is a violation of my rights under the Fair Credit Billing Act ( FCBA ). 

I have been charged {$49.00} on XX/XX/year>, and again on XX/XX/year>. I contacted the merchant by phone and email on XX/XX/year>, requesting a refund, but they refused and only canceled my account. 

I then contacted my card issuer, American Express, to dispute the charges. The representative stated that they would file the dispute but also said there was a 99.99 % chance it wont be investigated. This response fails to meet their legal obligations under the FCBA, which requires creditors to investigate billing errors and unauthorized charges.

I am requesting that the CFPB require American Express to : Properly investigate these charges & reverse the unauthorized billing.

I have attached screenshots of the disputed transactions for review. 

I am also an XXXX XXXX servicemember and request that this complaint be reviewed by the CFPB XXXX XXXX XXXX XXXX.

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

Complaint narrative:
I am filing a complaint against Aidvantage regarding student loans they are servicing under my name, totaling approximately {$13000.00}. 

On XX/XX/year>, I sent Aidvantage a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ) and the Higher Education Act ( HEA ). My request included the following documentation : My signed promissory note A complete payment and interest history A breakdown of principal, interest, and any fees Loan origination and disbursement records Proof that Aidvantage is legally authorized to service this debt on behalf of the U.S. Department of Education The legal basis under the Privacy Act for accessing and using my personally identifiable information On XX/XX/year>, Aidvantage responded with partial information. While they included my signed promissory note, disbursement dates, and a transaction table of disbursement/refund activity, the response was incomplete and did not fulfill the validation request : The transaction table is not a full payment history. It lacks itemized records of payments made, interest accrual, or how amounts were applied over time. 

They did not provide any documentation verifying that Aidvantage is legally authorized to service my loans ( such as a servicing agreement or assignment from the Department of Education ). 

They did not respond to my request for the legal basis under the Privacy Act for their access to and use of my personal data. 

I sent a follow-up letter reiterating the request and disputing the debt. I asked that no further collection activity or negative credit reporting occur until proper validation is provided, as required by federal law. 

What I want : I am requesting that the CFPB take action to ensure that Aidvantage complies fully with my validation request by providing : A complete, itemized payment and interest history Documentation confirming their legal authority to service my loans Clarification of their legal basis for accessing my personal data Thank you for your assistance in holding Aidvantage accountable and protecting borrower rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MD

Complaint narrative:
I am filing a complaint for inaccurate reporting and failure to ( 1 ) conduct a reasonable reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ), ( 2 ) block identity-theft information under 605B ( 15 U.S.C. 1681c-2 ), and ( 3 ) remove a false dispute remark I did not originate.

SUMMARY A fraudulent XXXX XXXX account ( placed with Online Information Services XXXX  ) was opened using my SSN but under the alias XXXX XXXX. I never had XXXX XXXX XXXX. XXXX furnished a {$460.00} collection. My XXXX  file shows : Completed investigation of FCRA dispute consumer disagreed ; PLACED FOR COLLECTION with estimated removal XXXX/XXXX. I did NOT file that initial dispute ; it appears tied to the fraudulent alias. 

KEY FACTS XX/XX/XXXXXXXX  : Fraudulent utility account opened using my SSN ; later placed with XXXX  ( {$460.00} ). I have never had XXXX XXXX XXXX. 
XXXX : XXXX  collection appears on my XXXX  file with the remark above. 
XXXX : I submitted an FTC Identity Theft Report and filed a police report ; I notified XXXX and XXXX XXXX in writing and demanded deletion. 

WHY XXXX  HANDLING VIOLATES THE FCRA 1 ) 611 Reasonable reinvestigation : XXXX  relied on the furnishers bare verification despite mismatched identifiers ( alias vs my legal name ) and no contract/service records tying me, XXXX XXXX XXXX XXXX this account. That is not reasonable. 
2 ) 605B Identity-theft blocking : Upon receipt of an identity-theft report, XXXX  must block the fraudulent tradeline within four business days. It remains on my file.

3 ) False remark : XXXX  is attributing a prior dispute to me that I did not file. This remark is inaccurate and harmful and should be removed with the tradeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. They didn't follow the proper 5-steps validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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 enough information to verify debt
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
TransUnion is misreporting my Mariner Finance secured installment loan as Closed, yet continues to retain derogatory late-payment history within its files. This is false, misleading, and unlawful.

1. Contradictory Reporting The account is listed as XXXX XXXX, yet derogatory marks remain. This creates an inherently contradictory profile : the bureau acknowledges payment in full while simultaneously suppressing my creditworthiness with stale derogatory codes.

2. Violation of FCRA 1681e ( b ) TransUnion has failed to adopt reasonable procedures to ensure maximum possible accuracy. An account can not logically be both Closed/Current and Derogatory at the same time. 3. Violation of FCRA 1681i ( a ) Upon dispute, TransUnion is required to delete unverifiable information. To date, it has not produced : A sign
ed loan agreement, An itemized account history proving alleged delinquency, Documentation establishing Mariner Finances authority to furnish this account.

4. Violation of FDCPA 1692e By retaining false derogatory data, TransUnion is enabling debt collectors and furnishers to present a misleading representation of debt.

Harm Caused : These false derogatories have reduced my credit score, caused denials of financing, increased the cost of credit, and inflicted emotional and reputational harm.

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: MS

Complaint narrative:
Heres a professional and clear letter you can send to the * * Consumer Financial Protection Bureau ( CFPB ) * * regarding the issue with XXXX XXXX XXXX XXXX XXXX  and your * * credit reporting dispute * *. You can customize the letter with your specific details ( like your address, account number, etc. ) : -- - * * \ [ Your Full Name ] * * \ [ Your Street Address ] \ [ City, State, ZIP Code ] \ [ Phone Number ] \ [ Email Address ] * * Date : * * \ [ Insert Date ] To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Complaint Against XXXX for Inaccurate Credit Reporting and Violation of Consumer Rights. 

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX for what I believe to be * * unlawful credit reporting practices * * and violation of my consumer rights under the * * Fair Credit Reporting Act ( FCRA ) * * and * * Fair Debt Collection Practices Act ( FDCPA ) * *. 

I was previously financed through XXXX for an automobile loan, which has since been * * paid off in full * *. Despite fulfilling my financial obligations, XXXX has continued to report * * inaccurate and misleading information * * to the credit bureaus regarding my account, specifically : 1. * * False Payment History Reporting * * The payment history being reported does not accurately reflect my actual payment record. 
2. * * Outstanding Balance Misrepresentation * * The only remaining fees were * * title and sale tax fees * *, which do not legally constitute a loan balance under credit reporting standards once the principal loan is paid off.

3. * * Failure to Update Account Status * * The account should be reported as * * paid in full * * or * * closed paid as agreed * *. Instead, it shows an erroneous balance, which is negatively affecting my credit standing.

These actions violate the following legal provisions : * * * FCRA Section 623 * * Furnishers must report accurate information.

* * * FCRA Section 611 * * Consumers have the right to dispute and request correction of inaccuracies.

* * * FDCPA Section 807 ( 8 ) * * It is unlawful to communicate credit information known to be false.

I have previously disputed this directly with the credit bureaus and XXXX but have not received a satisfactory resolution. I now request the CFPB to investigate this matter and ensure that XXXX : * Immediately ceases reporting inaccurate information. 
* Updates my account to reflect a paid-off status. 
* Removes any erroneous balance related to title or tax fees. 

Please find enclosed supporting documentation including proof of loan payoff and relevant credit reports. 

Thank you for your time and assistance in protecting consumer rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
On Tuesday XXXX i logged in My Paypal Account, i found out it was Permanently Lmited, I checked My email for any notification and i had none, the Last email i had was from a notification of a transaction made on XX/XX/XXXX, the Next Day ( Wednesday XX/XX/XXXX ) i spent the whole Day talking with Customer Support agents that refused to tell me what happened to My account, they kept telling me that they noticed suspicious transactions with My account which i quickly told them that My transactions were payments from My clients and personal expenses from me, then they jumped to not matching ID which i Made a mistake there but they let me use My account for 5 years Without any issues until now, i requested to talk to someone Authorized to tell me what happened, on Thursday XXXX XXXX, i talked with a Supervisor that kept telling me the same script, something happened, mismatching ID ( still My mistake ), my income as a XXXX XXXX is a Threat to their company and therefore they were permanently limiting My account, this means i'm unable to use Paypal to recieve, send or withdraw Money altogether, yet they keep My account with My remaining funds ( USD {$710.00} ) and i can still check My past transactions, My money Will be Cleared after 180 Days ( 6 months ) to prevent any fraud or charges and after that My account Will remain there for them to prevent any fraud and Security Reasons for them, not for me, since then i recieved a reply from them via My First CPFB complaint and they said that The problem fell Outside their Jurisdiction ( Paypal US ) and that i should relay it to My local versin, however all the things their Customer Support help page points out to Paypal US for calls and any Support at all thus denying again My complaint Even within the CFPB resources

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Cash Link USA, LLC
State: TX

Complaint narrative:
I previously filed a complaint with the CFPB against Cash Link USA, and that case was investigated and closed by the CFPB in my favor. Cash Link USA also stated they would send me a letter documenting the outcome, but I never received it. Despite the case being closed and resolved, Cash Link USA has resumed contacting me with repeated phone calls, emails, and text messages attempting to collect on the same alleged debt. This behavior amounts to harassment and a violation since the matter was already addressed and settled through the CFPB.

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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is a formal, final demand pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), and the Uniform Commercial Code ( UCC 1-308 & 3-501 ).

You are hereby notified and put on legal notice that the following credit inquiries appearing on my Experian credit file are fraudulent, unauthorized, and damaging. I have never given written authorization for these entities to access or pull my consumer credit profile, which is required by law ( FCRA 604 ) .Immediately delete and block the above-listed inquiries from my Experian file. 

Cease and desist from reporting any unauthorized inquiries or fraudulent data in violation of federal law. 

Provide me with a written confirmation of deletion within 15 days of receipt of this letter

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
On XX/XX/XXXX, XXXX confirmed in writing that my student loan account ( Acct # XXXX ) was closed with a {$0.00} balance. Despite this, in XX/XX/XXXX, a new duplicate account under a different number ( XXXX XXXX XXXX Acct # XXXX ) was created and reported as past due with a balance of {$540.00}. 

This account had previously been removed from my TransUnion report. However, on XX/XX/XXXX, TransUnion issued an investigation response stating that the account had been REINSERTED and is now showing as 120 days past due. 

This is inaccurate and damaging for two reasons : 1. The original loan was closed with a {$0.00} balance, and XXXX  own correspondence confirms this. 
2. TransUnion reinserted a previously deleted account without proper certification or providing me with notice, in violation of FCRA 611 ( a ) ( 5 ) ( B ).

This situation has created duplicate tradeline reporting of the same resolved loan and has caused unjustified negative credit reporting.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been a Victim of identity theft in the past and there are Fraudulent accounts on my credit reports. XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX. The Following Inquires are Fraudulent 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 XXXXXXXX XXXX & XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Re : Complaint under FCRA against Security Finance and XXXX  Complainant : I. Facts XXXX  ( XX/XX/XXXX ) : Security Finance, Charge-Off, Balance {$1100.00}, Date Reported XX/XX/XXXX, Date of First Delinquency XX/XX/XXXX. 
II. Legal Violations FCRA : - 607 ( b ) : Accuracy requirement. ( XXXX ) - 611 ( a ) : Duty to reinvestigate. ( XXXX ) - 623 ( b ) : Furnisher obligations. ( XXXX ) Reporting beyond the 7-year limit from 1XX/XX/XXXX would violate 605 ( a ).

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: MS

Complaint narrative:
To : \ [ ] Equifax \ [ ] Experian \ [ ] TransUnion * * Subject : * * Dispute of Inaccurate Credit Reporting XXXX XXXX Account ( Acct # XXXX ) Dear CFPB, I am writing to formally dispute inaccurate and misleading information reported on my credit file in relation to the account listed under * * XXXX XXXX * *, account number * * \ [ Insert Account Number ] * *. 

I reached an agreement with XXXX XXXX to pay the debt in full ( or as settled ), which was completed on * * \ [ Insert Payment Date ] * *. This agreement constituted a full resolution of the debt. Despite this, the account is still being reported with negative payment history and/or derogatory remarks that * * misrepresent the status of the account * *. 

# # # Under federal law, this is not only misleading, but unlawful : * * * According to the Fair Credit Reporting Act ( FCRA ) 1681i & 1681s-2 * *, credit reporting agencies must ensure the * * maximum possible accuracy * * of the information they furnish. 
* Continuing to report negative remarks after a debt has been paid as agreed violates * * FCRA 1681s-2 ( a ) ( 1 ) ( A ) * *, which prohibits furnishing information known to be inaccurate. 
* Additionally, * * under FDCPA 807 ( 15 U.S. Code 1692e ) * *, it's considered a deceptive practice to misrepresent the character, amount, or legal status of any debt. 

# # # Requested Action : I am requesting the immediate investigation and correction of this inaccurate reporting. Specifically, I am requesting that : 1. * * All negative or derogatory remarks * * associated with the XXXX XXXX account be * * removed * * or * * updated to reflect the accurate status * * ( " Paid in full '' or " Settled - Paid as agreed '' ). 
2. The payment history be corrected so as not to reflect ongoing delinquencies after the date of settlement or final payment. 
XXXX. I be provided with a written confirmation of the results of your investigation, in compliance with * * FCRA 1681i ( a ) ( 6 ) * *. 

Enclosed are the following documents supporting my claim : * Proof of payment/settlement ( receipt, letter, bank statement, etc. ) * Copy of my ID and a utility bill to verify my identity * Copy of the credit report showing the inaccurate entry Please consider this a formal dispute. You are legally obligated to respond within * * 30 days * * of receipt of this letter under the FCRA. 

Failure to correct this misrepresentation may lead me to file complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * Federal Trade Commission ( FTC ) * *, and/or take legal action under the FCRA and FDCPA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation