vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
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 Subject : URGENT METRO2 DISPUTE Unauthorized Student Loan Reporting & Deletion Request To who it may concern : I am disputing the inaccurate reporting of a student loan account under Metro2 compliance requirements and the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers must ensure accurate reporting, and any unverifiable, outdated, or unauthorized information must be removed.

Based on recent investigations, it has come to my attention that my student loan data may have been accessed and/or altered without my consent, violating Metro2 Compliance Condition Code " XB '' ( Consumer Disputes Account Information ). If you can not provide a verifiable record proving the legitimacy of this reporting, this account must be deleted immediately per Metro2 e-OSCAR compliance guidelines.

I am demanding the following corrective actions : 1. Metro2 Audit & Verification Conduct a compliance review to determine whether this student loan record meets Metro2 formatting and reporting standards. Provide the E-Oscar verification code used to verify this data. 

2. Data Accuracy Certification Submit a formal written response, including proof of contract, promissory note, and complete payment history. If you can not provide this, Metro2 reporting guidelines require deletion under Code " DA '' ( Delete Account ).

3. Account Deletion for Non-Compliance If the loan was improperly reported, altered, or deleted from official records, the only compliant action under Metro2 guidelines is permanent deletion. Update the status to Code " DF '' ( Delete Entire File ) within the required reporting period.

4. Written Compliance Assurance Confirm in writing that my student loan records will not be inaccurately reported again, in compliance with FCRA and Metro2 standards.

Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), you are required to respond within 30 days of receipt of this notice. Failure to provide documented verification or an appropriate correction will result in escalation to the Consumer Financial Protection Bureau ( CFPB ), the U.S. Department of Education, and legal authorities. 

I expect a written response at your earliest convenience confirming compliance. Please contact me at [ your phone number ] or [ your email address ] for further clarification. 

Sincerely, XXXXXXXX XXXX XXXXXXXX Enclosures : Copy of credit report with disputed account highlighted Supporting documentation

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 2025-03-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I work full amount of hours so I could pay this amount of {$4300.00} because they where charging alot of intrest and when I pay it off I thought I will never see a charger now they try to charge me another XXXX dllrs I dint log in again to my account since thinking I pay it off already later on I receive an email showing g that my credit score have decrease for a late payment I was like from where I thought I have everything pay on time I check with XXXX XXXX and finally found it was synchrony network that they send me another bill of 23 dllrs don't know from where but I mean I just pay them almost {$4500.00} dllrs why they send me a 23 dllrs bill don't get it now they mess up my credit it not fair you work hard to pay something and later on you are mess up for any reason at least I pay them not like of alot of people they don't even care paying their debts

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 2025-03-15 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: MD

Complaint narrative:
I am filing a complaint with TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, TransUnion responds in 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This process violates the Fair Credit Reporting Act ( FCRA ), 12. U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with the federal law and provides consumers with the necessary proof of investigation.

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 2025-03-15 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: NC

Complaint narrative:
Account reflecting inaccurate information for payment history account by XXXX XXXX. Sent dispute letters to Experian, Equifax and trans union asking for debt to be removed since it is reporting inaccurate information. Responses from credit bureaus stating the information was reporting correctly.

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 2025-03-15 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: NC

Complaint narrative:
Account reflecting inaccurate information for payment history account by XXXX XXXX. Sent dispute letters to Experian, Equifax and trans union asking for debt to be removed since it is reporting inaccurate information. Responses from credit bureaus stating the information was reporting correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
It's about XXXX XXXX $ XXXX card, I can't either activate the card on its web or use the card on XXXX. But from the response everything seems just quite fine with my giftcard. I don't know what to do now cause I need the momey to pay my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was trying to book a package vacation to XXXX XXXX XXXX, HI for the time frame XX/XX/XXXX to XX/XX/XXXX. It was through a third party vendor XXXX XXXX XXXX When I went to use my credit card Capitol One, the credit card was denied. I tried to use XXXX other credit cards XXXX and XXXX. Both cards were declined, also. I got a text from Capitol One if the transaction was OK. I texted back yes. I then tried to book the trip again through XXXX and the card was denied again. I then went to XXXX website to book the exact same trip. I booked the exact same trip through XXXX and used my Capitol One credit card and this time my trip went through without a hitch. The next day ( XX/XX/XXXX ) I checked my Capitol One statement online. To my surprise, both the XXXX expenditure and the XXXXXXXX XXXX  were both booked. I called Capitol One ( XX/XX/XXXX ) and told them the same story about them denying my credit cards and then subsequently approving it without my knowledge the payment to XXXX. I explained to them that the trip was booked on XXXX since they ( Capitol One ) had denied my purchase to XXXX. They said they ( Capitol One ) were sorry but the money had already been given to Edreams even though the purchase was pending and is still pending on XX/XX/XXXX. I told them to cancel the purchase, and they refused. The Capitol One employee then joked well you will have plenty of room on the flight to Hawaii and at the hotel there. Total XXXX I then called XXXX ( third party vendor ) and they said it was already too late to refund my purchase. XXXX said that they had already paid the hotel and the airlines and that the only way I could get a refund was from the hotel ( XXXX ) and the airlines ( XXXXXXXX XXXX XXXXXXXX ). So far, I have sent a chat to XXXX XXXX about the situation and they told me that my refund has to come from the third party vendor. I am currently waiting on hold to hear from an XXXX XXXX representative. What can I do to resolve this issue? This trip is for my honeymoon. I am getting married on XX/XX/XXXX. Could you please help me? I know that XXXX XXXX is trying to delete your agency. I am a senior IRS agent so I know about the reductions in force. 
Thanks for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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'm writing to formally dispute several inaccuracies on my credit report. After reviewing my TransUnion credit report, I noticed the following collections listed, which I do not recognize and believe to be inaccurate or outdated. I am requesting a full investigation and prompt resolution of the following accounts : XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$2200.00} Account Number : [ Insert account number from credit report ] Reason for Dispute : I do not recognize this debt and believe it may not be my account or it is incorrectly reported. I request that it be investigated under the provisions of the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$170.00} Account Number : [ Insert account number from credit report ] Reason for Dispute : I do not recognize this debt, and it may be an error. Under the FCRA, I request that this be investigated and resolved. 
XXXX XXXX XXXX XXXX XXXX same name as above ) Date Opened : XX/XX/XXXX Amount : {$910.00} Account Number : [ Insert account number from credit report ] Reason for Dispute : I do not recognize this debt, and I am requesting that it be investigated and resolved. 
XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$140.00} Account Number : [ Insert account number from credit report ] Reason for Dispute : I do not recognize this debt, and I request that it be investigated under the FCRA and removed if it is found to be inaccurate. 
Legal Reference : Under Section 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. The FCRA requires that you investigate the disputed information, and if the information can not be verified as accurate, it must be removed from my credit report. 

Please conduct a thorough review of these disputed accounts, and provide me with the results of your investigation in writing. If the accounts are found to be inaccurate, I request that they be promptly corrected or removed from my credit report. 

Thank you for your attention to this matter. I look forward to receiving an updated credit report reflecting any corrections, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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'm writing to formally dispute several inaccuracies on my credit report. After reviewing my TransUnion credit report, I noticed the following collections listed, which I do not recognize and believe to be inaccurate or outdated. I am requesting a full investigation and prompt resolution of the following accounts : XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$2200.00} Account Number : [ Insert account number from credit report ] Reason for Dispute : I do not recognize this debt and believe it may not be my account or it is incorrectly reported. I request that it be investigated under the provisions of the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$170.00} Account Number : [ Insert account number from credit report ] Reason for Dispute : I do not recognize this debt, and it may be an error. Under the FCRA, I request that this be investigated and resolved. 
XXXX XXXX XXXX XXXX XXXX same name as above ) Date Opened : XX/XX/XXXX Amount : {$910.00} Account Number : [ Insert account number from credit report ] Reason for Dispute : I do not recognize this debt, and I am requesting that it be investigated and resolved. 
XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$140.00} Account Number : [ Insert account number from credit report ] Reason for Dispute : I do not recognize this debt, and I request that it be investigated under the FCRA and removed if it is found to be inaccurate. 
Legal Reference : Under Section 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. The FCRA requires that you investigate the disputed information, and if the information can not be verified as accurate, it must be removed from my credit report. 

Please conduct a thorough review of these disputed accounts, and provide me with the results of your investigation in writing. If the accounts are found to be inaccurate, I request that they be promptly corrected or removed from my credit report. 

Thank you for your attention to this matter. I look forward to receiving an updated credit report reflecting any corrections, as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you claim I owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor Securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of the debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: NH

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department c Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Departent of Education, including financial aid dataset that contains the personal informaion of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

my personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you take my loan out of differment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: NC

Complaint narrative:
Dear Experian, I dispute the collection from bar education on my credit report. The debt is either not mine or was illegally sold, violating 15 U.S.C. 1681s-2 and 15 U.S.C. 1692c. No valid verification has been provided. 
Per federal law, I request immediate removal of this account. Failure to comply will result in complaints to the CFPB, FTC, and possible legal action. Please investigate and respond within 30 days as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Source Receivables Management LLC
State: SC

Complaint narrative:
Dear Source Receiveable I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : XXXX. A copy of the original contract or agreement under which the debt arose. 
XXXX. A detailed account statement showing the amount of the debt, including any fees or interest. 
XXXX. Date of Last Activity. 
XXXX. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
XXXX. Documentation confirming that you have the legal right to collect this debt. 
XXXX. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : XXXX. Immediately cease reporting the collection account associated with my name. 
XXXX. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation