vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NM

Complaint narrative:
This is a formal follow-up to my complaint against EdFinancial Services ( XXXX # XXXX ). 

EdFinancial continues to report false and re-aged derogatory data on my federal student loan account, despite multiple certified disputes and a pending Ombudsman case.

Key Issues : Reporting late payments from XXXX, even though the loan matured in XXXX Inflated balance of {$4700.00} vs. the loans original {$3500.00} False DOFD of XXXX, which is illegal re-aging under FCRA 623 ( a ) ( 5 ) Continued reporting without marking the account as disputed, violating FCRA 623 ( a ) ( 3 ) Failure to provide documentation or investigate disputes sent via certified mail Attachments submitted as evidence : EDFinancialXXXX XX/XX/XXXX dispute letter EDFinancial Final Demand for Correction_DeletionXXXX XX/XX/XXXX certified final demand Addendum.pdf XX/XX/XXXX addendum citing further violations Refusal to DiscloseXXXX EdFinancials refusal letter claiming disputes were frivolous OmbudsmenXXXX Confirmation of FSA Ombudsman case filing ( Case # XXXX ) Credit reports.zip Attached are screenshots from XXXX XXXX, and XXXX, each confirming the same inaccurate reporting : Balance inflation {$4700.00} reported vs. original {$3500.00} False delinquencies 90180 day late payments shown in XXXX, even though the loan matured in XXXX Illegal re-aging tradeline fall-off date extended as far as XXXX, well beyond the 7-year FCRA limit Incorrect status account still reported as open despite being legally matured/closed These screenshots demonstrate systematic false furnishing across all three nationwide CRAs, not an isolated reporting error. 
Mail ReceiptsXXXX Certified mail tracking and delivery proofs showing EdFinancial received my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: OH

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXXXX/XX/XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year>XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: WV

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XX/XX/XXXXFRAUDULENT INQUIRIES : XXXX - XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: Nelnet, Inc.
State: FL

Complaint narrative:
Subject : Request for Documentation and Deletion To Whom It May Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ), I am formally requesting : XXXX. The original promissory note. 
XXXX. The full chain of custody for this account. 
XXXX. A complete payment history. 

If these documents can not be provided, this account must be deleted from my credit report. Additionally, any release of my information in violation of the Family Educational Rights and Privacy Act ( XXXX ) constitutes a breach and must be addressed immediately. 

Please confirm receipt of this request and provide the requested documentation or delete the account as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Debt collection Attempts to collect debt not owed Debt was discharged, debt is not mine, or debt was not verified Company : Portfolio Recovery Associates , LLC What happened : I disputed this account with Portfolio Recovery Associates ( PRA ) and requested proper validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I asked PRA to provide : A signed contract/agreement with my signature ; A complete accounting from the original creditor ; Proof of assignment/chain of custody showing PRA owns this debt ; Verification of the balance ; and Documentation establishing PRAs right to collect.

Instead of providing validation, PRA responded with form letters that do not include the requested proof. Despite this, PRA continues to report the account toXX/XX/XXXX ( and possibly other credit bureaus ) as verified and updates the trade line monthly. 

This is a violation of FCRA XXXX ( duty of furnishers to report accurately ) and FDCPA XXXX ( failure to validate before collection ). The reporting is inaccurate, incomplete, and misleading. 

Relief Requested : I request that this account be deleted from my credit reports with all consumer reporting agencies, and that PRA be required to cease furnishing unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Hello, On XX/XX/XXXX robinhood sent me an email saying my account was closed at that time my account still had XXXX dollars in crypto. 

Then they also continued to send me another email saying my account was empty but it seems like it was just automated emails. I immediately contacted their support area but once the account was closed they wouldn't let me do that as before it was closed i could contact them anytime through their app. I tried sending people every day to them but didn't get any reply from them other than automated emails. Then i sold my XXXX dollars crypto for XXXX dollars cash. About XX/XX/XXXX week later I checked their app every day and found out that they transferred {$700.00} to my XXXX XXXX bank account, which is a closed bank account of mine that I linked to robinhood a long time ago and have now removed the link. Meanwhile i currently have XXXX other bank accounts XXXX isXX/XX/XXXX bank and the other isXX/XX/XXXXbank which is currently linked to robinhood account but they did not transfer the money but transferred it to my closed XX/XX/XXXXXXXX account. When i contacted XX/XX/XXXXXXXX they said they are not responsible for this money and for me to contact the sender to cancel. Iam really upset about this And finally until today after almost a month I still haven't received my money in their account even though I keep sending them emails but they keep replying to me with automated emails, just saved they don't want to return my money for any reason. This is very shady and mean to their customers, I don't think a company like that can exist in this country. 

Thank you very much and Have a nice day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I had knowledge of rescheduling payments onXX/XX/XXXX orXX/XX/XXXXXX/XX/XXXX. not sure if it was changed since I started my new credit journey including AFFIRM. did not start it to fail because of poor communication due to lack if listening and language barriers. calling into a call center where agents are scripted not skilled in listening or problem solving is outrageous Business practice and consumer abuse to make money XX/XX/year> called in XX/XX/year> called in

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XX/XX/XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MSCB, Inc.
State: TN

Complaint narrative:
" I am disputing this medical bill as it appears to violate my privacy rights under XXXX, as it discloses sensitive medical information without my consent. Please review and correct any inaccuracies. I will also be submitting a complaint to the XXXX for XXXX violation through the XX/XX/XXXX forXX/XX/XXXX portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES :XX/XX/XXXXXXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XX/XX/XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Account XXXX (XX/XX/XXXX ) : Balance {$760.00}, acct ending XXXX, seller : XX/XX/XXXXBank.I disputed this account withXX/XX/XXXXand requested validation from Portfolio Recovery Associates ( PRA ). PRA responded with a generic letter but did not provide a signed contract, full account statements, or proof of ownership as required under the FDCPA and FCRA. Instead, they simply stated that the debt was purchased and reported it as under investigation while continuing to furnish negative information.

This is inaccurate, misleading, and incomplete reporting. PRA can not verify the debt properly but continues to damage my credit by reporting and updating monthly. This is a violation of my rights under the FCRA XXXX and FDCPA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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 am a victim of identity theft. On XX/XX/year>, I submitted a complete identity theft package to Equifax, including my FTC Identity Theft Report ( No. XXXX ), notarized affidavit, government-issued ID, proof of address, and a list of fraudulent accounts. Under FCRA XXXX ( 15 U.S.C. XXXX ), Equifax is required to block fraudulent accounts within XXXX business days of receipt. 

Instead, Equifax refused to block the accounts and improperly placed my request into the standard XXXXday dispute process. Their denial letter cited reasons such as payment history and accounts opened prior to reporting, which are not valid exemptions under XXXX. 

Equifax is violating federal law by refusing to block these fraudulent accounts. I am requesting CFPB intervention to compel Equifax to comply with FCRA XXXX and immediately block the fraudulent accounts. 

Fraudulent accounts still appearing on my credit file :XX/XX/XXXX XXXX XXXX XXXX XXXX ] Supporting documents ( FTC report, affidavit, TransUnion denial letter, ID, and proof of address ) are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
On XX/XX/year>, LVNV Funding LLC began reporting a collection account ending XXXX for {$1900.00}. The original creditor was XXXX XXXX, which has already removed this account from my credit report. LVNV has not provided proof of ownership, chain of title, or itemized accounting. I never had a contract with LVNV. This reporting is inaccurate and unverifiable, violating the Fair Credit Reporting Act ( FCRA 609, 611 ) and Fair Debt Collection Practices Act ( FDCPA 809 ). I disputed with all three credit bureaus and requested validation from LVNV, but they continue to report. I request immediate deletion of this tradeline and correction of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: WA

Complaint narrative:
When I got an electrical upgrade on my home, the electrician suggested I could take out an interest free loan for part of the cost. It would remain interest free so long as I paid it off within one year. When I paid off the {$25000.00} a few weeks before the year was over, there was a glitch in the online payment platform ( the payment did not post when I was told it would ) that caused me to pay it off twice. I called immediately and was told the {$25000.00} overpayment would be returned within 14-30 days. It wasnt. Over the subsequent two months I called an additional three times, each time was told they were escalating it and that it should be returned in 7-10 days. I also emailed and called the complaints resolution contact and received no call back. It has been two months and I still have not been refunded my {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
According to 15U.S.C and 1681,1681C-2 and 1681b, I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without proper investigation. Also it has been over 30 days and no response. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, or the HIPPA consent form. The ORIGINAL Contract bearing my signature and explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Company : Bank of America Product : Checking Account Issue : Account Closure / Funds Dispute What happened : My Bank of America account was closed on XX/XX/year>. On XX/XX/XXXX, a debit labeled Claims Processing Transaction in the amount of {$1400.00} was removed from my account, leaving my balance at {$0.00}.

I was told by a BOA specialist that the XXXX claim filed against me was denied. However, I have also been told that my funds were returned to the sender. I have received no written documentation to clarify the status of this claim or why my remaining balance was taken.

This balance included legitimate payroll deposits from my employer, which should not have been used for someone elses claim. I have been waiting 24 days with no check, no balance refund, and no written explanation from the bank despite multiple calls and transfers between departments.

What I want : A written explanation of the claim decision, including the claim number, date, and reason my funds were used.

Immediate return of my remaining balance ( {$1400.00} ) if it was wrongly applied to another customers claim.

Clear documentation of the account closure and claims processing transaction.

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 2025-09-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Reporting false information regarding payments on all my Department of Ed accounts. Accounts are showing last payment date to be XX/XX/year> also reporting that no data is available on these accounts. I am hereby requesting that these false reporting be removed from all my accounts ASAP. Thanks

Company response to consumer: Closed with non-monetary relief