vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
When my loans were transferred from XXXX to Aidvantage, I enrolled loans 1 through 6 in autopay. At that time, loans 7 and 8 had not yet been transferred to Aidvantage. Once all my loans were with Aidvantage, autopay was set up for the entire account. At no point was I asked to specify which individual loans should be placed on autopay, nor was I made aware that loans 7 and 8 were not included. 

I was never notified of any delinquency on loans 7 and 8 until I discovered it while checking my credit report. During that time, I was actively making payments on the rest of my loans under the assumption that everything was current. This situation would not have occurred had XXXX not gone out of business and the loan transfer process been clearer. 

I have never missed a payment on any of my loans, all of which have been on autopay. I respectfully request that the delinquency reported for loans 7 and 8 be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
In XX/XX/year>, I found out I had XXXX medical bills on my credit report. I was never contacted by Aargon collection Agency about this debt. I initiated the communication with a debt verification letter on XX/XX/year>. Around begining XXXX I received XXXX separate medical bills with treatments and services rendered and never did they send information I had rights to dispute this debt under the FDCPA. I am concerned about the XXXX violation with the bills they sent since it shows the services and treatment provided. In the bills it also shows we had XXXX under anthem blue cross. They failed to verify the insurance before starting the collection activity on my credit report and failure to let me know I had this debt before putting it on my credit report. All three of these medical bills has damaged my credit report. XXXX has tried to pay the original creditor but has been unsuccessful due to being with Aargon Collection Agency.

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 2025-03-26 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: LA

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, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
am writing to formally file a complaint against both Cash App and XXXX XXXX regarding an unresolved dispute over a missing item in my XXXX XXXX order and the failure of Cash App to fairly assess my dispute claim. 

On XX/XX/year>, I placed an order through XXXX XXXX that included three meals and three drinks, totaling {$64.00}. Upon delivery, I discovered that one of the drinks was missing. I immediately contacted XXXX XXXX, provided a photo showing the missing drink, and inquired with the driver, who dismissively stated that she was only given two drinks. Based on her body language, I suspected she took the drink. 

Despite providing evidence and requesting a refund of {$3.00} for the missing drink, XXXX XXXX automatically denied my request. I escalated my complaint by speaking with a representative, who could not explain why my refund request was denied and repeatedly provided vague responses. 

Since I paid for the order using Cash App, I initiated a dispute through them. However, my claim was denied without allowing me to submit evidence. After contacting Cash App support, they reopened my dispute and provided an email address for submitting documentation. I uploaded all relevant evidence, yet my dispute was again denied. 

When I requested details regarding the evidence used to determine my dispute, I was assured that I would receive documentation. However, despite multiple follow-ups, Cash App failed to provide any meaningful justification. When I finally received documentation, it simply stated that no error occurred, without addressing my concerns or explaining their decision-making process. 

I believe I was unfairly denied my rightful refund of {$3.00} for the missing drink and an additional {$3.00} for the tip I paid to the driver, whom I suspect took my drink. The lack of transparency from both XXXX XXXX and Cash App, as well as their failure to conduct a thorough investigation, has been frustrating and unacceptable. 

I am seeking the CFPBs assistance in resolving this matter and ensuring that both XXXXXXXX XXXX and Cash App properly handle customer disputes, provide clear explanations for their decisions, and allow consumers to submit evidence fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was trying to exchange my XXXX tickets on XXXX for a closer seat. I called them and a guy told me i had to buy gift cards to be able to make the payment and receive my refund. I did approve of the transactions because I was no aware I was being scammed. This was {$1000.00} of gift cards. The man would ask me to scratch the code off and send it to him. Once i did he would tell me there was a hold on the card and i would have to buy another one. The bank is denying the claim because i approved it. When you are not aware of yourself being scammed that is going to happen. It is an embarrassing mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-25 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MA

Complaint narrative:
I've made regular payments on my loan but they are reversed every time -- it's happened six times since XXXX XXXX. I've called AidVantage each month to try to fix the problem. 

They only say, repeatedly, that the problem is with my bank. I've checked several times with my bank, and they disagree ; they say the problem is AidVantage. ( I haven't had this problem with any other company -- I make multiple payments online every month. ) There has also been enough money in my bank account to cover the loan payments -- I'm happy to provide that information. 

AidVantage says this is my fault, and that my bank number must be wrong. But the bank account number is correct -- and a single payment went through in XXXX XXXX. I've attached the account history. 

Meanwhile, AidVantage has filed info with the credit bureaus and my credit rating decreased XXXX points -- even though I have made a payment every single month. I see online that many other people have had this same problem. 

I've spent hours on hold with AidVantage, talking with representatives, checking with my bank, etc. It's reprehensible that this government loan company is so poorly run and harming the credit scores of people who have diligently worked to pay back their loans. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing an eviction record that is still appearing on my credit report, despite the fact that it should no longer be impacting my file. After reviewing my records, I have verified that this case has been fully resolved, yet it remains on my report inaccurately and unfairly. Since the matter was legally settled in full and no debt remains outstanding, its continued presence misrepresents my financial status and may hinder my ability to obtain housing or credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: S & S Recovery, Inc.
State: TX

Complaint narrative:
I was reviewing my report and noticed S & S Recovery as a collection on my account. They have the date the account was opened listed incorrectly. They do not list any of the original payments made to the account and the balance on the account is listed inaccurately. I called and tried to get this inaccuracy resolved, but they are refusing to update it. When a debt goes to collections, a new collection account is opened, but the date reported on your credit report SHOULD reflect the date of the ORIGINAL DELINQUINCY ( the first missed payment ), not the date the collection agency purchased the debt. Because of this inaccuracy, in the amount and the listed information, I have been denied the ability to start a lease for a place to live and have become homeless and lost my car. I am having to sleep on different people 's couches. The company has even stated in a telephone call that they don't actually own the debt, the school does, they just try to collect on the school 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CO

Complaint narrative:
I submitted a formal dispute to TransUnion regarding an inaccurate XXXX XXXX XXXXXXXX account ( partial account number XXXX ), which is being improperly reported as a charge-off with numerous inconsistencies across all three credit bureaus. Despite providing proper identification and documentation, TransUnion failed to conduct a legally compliant reinvestigation and rejected my dispute by falsely claiming it was submitted by an unauthorized third party. 

The account shows materially conflicting data, including different open dates, credit limits, and payment histories when compared across XXXX, XXXX, and TransUnion. This violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) failure to maintain maximum accuracy, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) failure to reinvestigate disputed data, 15 U.S.C. 1681s-2 ( b ) failure by the furnisher to validate or correct the account, 15 U.S.C. 1681i ( a ) ( 7 ) no description of reinvestigation process provided. 

Additionally, TransUnions reliance on automated systems such as e-OSCAR, without a manual review of original documentation, fails to meet the legal standard for proper verification as established by case law ( XXXX XXXX  TransUnion, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-25 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: IL

Complaint narrative:
Lack of Signed Promissory Notes XXXX has presented Master Promissory Notes ( MPNs ) as evidence of alleged loan obligations. However, these documents do not contain my physical ( wet-ink ) signature or an authenticated digital signature as required for a legally binding contract. Under contract law, an enforceable debt must include a clear agreement between the parties. In this case, no such proof of agreement exists. 

While XXXX references the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act, 15 U.S. Code 7001 ), they have failed to meet the Act 's requirements. Specifically : The Act mandates clear consumer consent to use electronic records ( 7001 ( c ) ( 1 ) ( A ) ) ; It also requires demonstrable proof that the consumer could access the information electronically ( 7001 ( c ) ( 1 ) ( C ) ( ii ) ).

Nelnet has not provided any such consent documentation. Therefore, their reliance on the E-SIGN Act is legally insufficient.

Violations of Federal Consumer Protection Laws Additionally, I believe XXXX 's continued reporting and collection activity on these accounts violate the following federal laws : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 Nelnet is furnishing negative information to credit reporting agencies without valid proof of my obligation or authorization. FCRA prohibits furnishers from reporting inaccurate information and obligates them to delete unverifiable data after a consumer dispute. As no signed or verifiable loan agreement exists, this reporting is both inaccurate and unlawful.

2. Truth in Lending Act ( TILA ), 15 U.S. Code 1601 et seq.

Under TILA, lenders are required to provide clear disclosures of the terms and conditions of credit obligations. XXXX has failed to provide any disclosures showing I agreed to loan terms, interest rates, repayment schedules, or disbursement details all of which are required for TILA compliance. 

3. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq. 
To the extent that XXXX or any third party is engaged in collection activity on this alleged debt, doing so without verifying the debt and without a signed contract violates FDCPA provisions, particularly : 1692e Prohibition of false or misleading representations, such as claiming a debt is owed without proof ; 1692g Requirement to provide debt validation upon request.

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 2025-03-25 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: IL

Complaint narrative:
I am reporting a charged-off account that is being inaccurately and possibly maliciously reported by XXXXXXXX XXXX . Despite this account being marked as Paid, Closed in XX/XX/year>, my credit shows different statuses and also my reports show 22 consecutive months of 90 days late marks following the original charge-off. This is in violation of the Fair Credit Reporting Act ( FCRA ), which prohibits the re-aging of debt and mandates accurate, non-misleading reporting. 

Additionally, I made payments after the charge-off date until paid in full, and the account now shows a {$0.00} balance. Yet, charge-off and late payment marks have continued to appear monthly, well past when the account should have been updated. This is damaging, inaccurate, and I believe retaliatory, as these marks began or continued shortly after I filed a prior dispute. 

This type of continuous derogatory reporting post-resolution not only misrepresents my credit historyit appears to be punitive in nature, potentially in response to my previous attempts to dispute the account hurting my scores and opportunities.

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 2025-03-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reporting a charged-off account that is being inaccurately and possibly maliciously reported by XXXXXXXX XXXX . Despite this account being marked as Paid, Closed in XX/XX/year>, my credit shows different statuses and also my reports show 22 consecutive months of 90 days late marks following the original charge-off. This is in violation of the Fair Credit Reporting Act ( FCRA ), which prohibits the re-aging of debt and mandates accurate, non-misleading reporting. 

Additionally, I made payments after the charge-off date until paid in full, and the account now shows a {$0.00} balance. Yet, charge-off and late payment marks have continued to appear monthly, well past when the account should have been updated. This is damaging, inaccurate, and I believe retaliatory, as these marks began or continued shortly after I filed a prior dispute. 

This type of continuous derogatory reporting post-resolution not only misrepresents my credit historyit appears to be punitive in nature, potentially in response to my previous attempts to dispute the account hurting my scores and opportunities.

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 2025-03-25 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: IL

Complaint narrative:
Please delete the fraudulent account from XXXXXXXX XXXX XXXX from my consumer credit report. This is not my account, and I have never done business with them.

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 2025-03-25 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: CA

Complaint narrative:
Here is the list of fraudulent inquiries : 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 XXXXXX/XX/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 2025-03-26 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: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was told that all the inquiries on my credit report were to be soft inquiries I have 9 that turned into hard inquiries. The only inquirie I authorized is XXXX XXXX

Company response to consumer: Closed with explanation