vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I received a Chapter XXXX bankruptcy discharge on XX/XX/year> ( XXXX XXXX. XXXX ). My Direct Consolidation Loan held by the XXXX Department of Education and serviced by Aidvantage was listed as a creditor and the Bankruptcy XXXX served the discharge notice on the servicer/DOE. Despite this, Aidvantage continues to report a balance owed and post-discharge late payments to XXXX and has communicated amounts due. 

Why this is unlawful : A discharge operates as an injunction against any act to collect a XXXX debt ( 11 U.S.C. 524 ( a ) ). Furnishing or failing to correct inaccurate credit reporting post-discharge can violate the discharge injunction and the FCRA duties of furnishers and CRAs to ensure maximum possible accuracy and to correct after notice ( 15 U.S.C. 1681s-2 ( a ) & ( b ), 1681i ). 

The XXXX student-loan bankruptcy guidance created a streamlined process for evaluating federal student-loan dischargeability and emphasizes accurate treatment after bankruptcy ; DOE/DOJ also report high rates of relief when borrowers qualify, underscoring the need for compliance by servicers. 

The CFPB has warned that collecting on student loans after a bankruptcy discharge, or misreporting them to credit bureaus, can be an unfair act or practice under the XXXX XXXX XXXX XXXX ; the XXXX has also sued a major servicer for similar conduct. 

What I did to resolve this : On numerous occasions, I disputed the inaccurate tradeline ( s ) with XXXX XXXX and XXXX, attaching my discharge order and schedules. I also notified Aidvantage in writing of the discharge and the inaccurate reporting. The inaccurate reporting and balance/late-pay history remain. 

Harm : These inaccuracies lower my credit scores, impairing access to credit and causing financial and emotional distress. I have expended time and costs to correct the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: RI

Complaint narrative:
I received a gift card and did not use it in the first 18 months. It started drawing down with the fee of {$3.00} every month and took all of the money in the card prior to me even opening it. 
Since XXXX of XXXX, it drew down {$3.00} from the card to get it to {$0.00}. 

It has an expiration date of XX/XX/XXXX ... which should indicate that I have until XX/XX/XXXX to use the card. After calling the company, the customer service rep said they had been drawing this fee. They base it on the " last day of card activity. '' There has been no activity, she sited the " card agreement '' which I am not even sure how this is possible as I did not sign anything or even purchase the gift card, it was a gift.

She then said that the " last day of card activity '' is based on the activation date. I have absolutely no idea of when the card was activated... It was a gift that I did not purchase. This is a scam.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
Between XXXX and XX/XX/year>, I engaged with Freedom Debt Relief regarding enrollment in their debt-relief program.

Before providing my banking information, I repeatedly requested written copies of the Client Services Agreement ( CSA ) and complete fee disclosures, including : the total percentage charged on enrolled debt, how and when fees are earned or deducted, legal representation coverage terms, and confirmation of when creditor outreach begins.

Despite several written requests ( attached ), the company refused to provide the CSA or a generic version of it until after I submitted my bank draft authorization. They stated the agreement could only be generated once my banking information was entered.

This effectively required me to agree to drafts before being allowed to review the actual contract terms a practice that appears to violate the FTCs Telemarketing Sales Rule ( 16 CFR 310.4 ( a ) ( 5 ) ), which requires clear written disclosures before any payment authorization.

Additionally, I was verbally told that legal representation was fully covered if I were sued by a creditor, but later written responses clarified that I would be responsible for any court fees a material inconsistency that was never properly disclosed.

My complaint concerns Freedom Debt Reliefs refusal to provide required disclosures and contract documents in writing prior to enrollment, along with potentially misleading statements about legal protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NY

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
End of XX/XX/XXXX, I was approached at my bank to get a personal loan and consolidate my credit cards to get them paid off. One card was a XXXX XXXX XXXX, which I had been trying to pay down for years. My bank cut a check for {$3600.00} to pay the account in full and sent that to Synchrony Bank. As of today XX/XX/XXXX, Synchrony says they never received the check even though I have sent copies of the check to them via fax and regular mail. They say they need a different copy of the check, but they don't clarify. I have been back and forth for 3 years now about this and I am getting so frustrated and upset. I sit on hold for hours with no resolve, just to be run around in circles. Synchrony opened and closed 3 different disputes about this over the years, and my bank has no other copy of the check to show. XX/XX/XXXX I received a letter in the mail stating that I was being reported to the credit bureau for the amount of {$3200.00} because they can't find the check. I have disputed this as well. The bank says it was cashed on XX/XX/XXXX, and I've been paying on my loan this whole time. I should NOT have to pay again because they can't locate the check that's probably been credited to some other person 's account. I also have the check number an records. 
Please help! 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 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
this debt collection company has not shown me anything to prove that under 15 usc 1692g that they have the right to collect on something that they purchase for pennies on a dollar and how much did they pay to buy this debt that they say i owe to them i didn't sign any papers with this debt collection company but they are reporting this on my credit report. Legal action will be taking if this contention to be reporting on my reports.I also have sent a certified letter on XX/XX/year> to this debt collection company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc.
State: NY

Complaint narrative:
I got an offer for a pre-approved refinancing of my auto loan through XXXXXXXX, the company offering the refinancing, offered to cut my interest rate ~10 % and lower my bill around 80 dollars a month.

After filling out the application and giving them all of my personal information the application was immediately denied with no explanation until I emailed them.

In the email conversation, I was told that no lenders were available to service my loan. If that is true then why are they advertising that it is available on XXXX I believe they just phished my information and never actually intended to provide a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to dispute the validity and accuracy of the above-referenced account. This letter is being sent 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. 1681i ).

I do not acknowledge this debt and request that you provide proper documentation validating it. Specifically, please provide : The name and address of the original creditor.

The amount of the alleged debt, with an itemized breakdown of principal, interest, and fees.

A copy of any contract, agreement, or document bearing my signature showing that I agreed to assume this debt.

A copy of any judgment ( if applicable ).

Verification that your agency is authorized to collect debts in my state, including license number and registered agent information.

Until this information is provided, you must cease all collection activities, including reporting this account to any credit reporting agencies.

If this account is currently being reported to the credit bureaus, please note that I am formally disputing its accuracy. Under the FCRA, you are required to : Conduct a reasonable investigation into my dispute, and Delete or correct any inaccurate or unverified information within 30 days of receiving this notice.

If you can not verify the debt, you must cease all collection efforts and remove all references to this account from my credit file.

This letter is not an admission of liability or an agreement to pay any debt. It is solely a request for validation and an exercise of my rights under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
A collection agency has repeatedly placed the same collection account on my credit report without ever providing verification or documentation of the debt. I have disputed this multiple times and requested written validation under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). The collector has never sent any documentation or proof of the alleged debt. 

The account first appeared last year, was later removed, and then was reinserted in 2025. The agency now claims the account began reporting in XX/XX/year>, which is false. The original reporting occurred the prior year. This inaccurate reporting history misleads creditors and violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ) ( 5 ) ( B ), and 623 ( a ) ( 1 ) ( A ). Under FCRA 611 ( a ) ( 5 ) ( B ), a CRA may not reinsert deleted information unless the furnisher certifies the accuracy and the consumer is notified within five business days. I never received any notice of reinsertion. 

Re-reporting a previously deleted or unverified item without proper certification is unlawful reinsertion. This account continues to harm my credit profile and scores despite the agencys complete lack of substantiation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: AZ

Complaint narrative:
i have reviewed my credit report and found unverified items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: AZ

Complaint narrative:
Investigation of all disputed inquiries currently appearing on my credit report and an enforcement of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and FCRA 623 ( a ) ( 1 ) ( A ). Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ),

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: AZ

Complaint narrative:
Investigation of all disputed inquiries currently appearing on my credit report and an enforcement of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and FCRA 623 ( a ) ( 1 ) ( A ). Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ),

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
I am disputing and requesting verification of the following accounts that are appearing on my credit file. These accounts are reported as charged-off but I have not received a 1099c which is legally required under 26 USC 6050P for any canceled or forgiven debt above {$600.00}. There is no proof that these debts were actually canceled or lawfully collectible.

Violations include : FCRA 602 ( a ) maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate info FCRA 611 ( a ) failure to conduct a reasonable investigation Metro 2 code Violations : Failing to correctly update the Account Status Codes ( 62, 93, or 97 ) and Special Comment Codes to reflect a sold/closed status ; Inaccurately reporting the Date of First Delinquency and maintaining collection status beyond permitted timelines ; Continuing to report collection activity without substantiating ownership or cancellation documentation.

Requested Documentation ( CREDITORS ) NEVER PROVIDED!

~A copy of the original signed contract or agreement creating the alleged debt ; ~A complete payment history from the original creditor to date of assignment or sale ; ~Documentation showing the chain of custody or ownership of the account ; ~Proof of debt validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) ; and ~Any IRS Form 1099-C that was filed with the IRS and sent 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 non-monetary relief
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: LA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-10-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MD

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation