vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
I am submitting this complaint against Aidvantage ( Maximus Federal Services ) for failure to validate a student loan and for continuing to report inaccurate and potentially damaging information to the credit reporting agencies. 



In response to my previous complaint filed through the CFPB, Aidvantage stated they enclosed a copy of the original signed promissory note. However, no such document was attached. This failure to provide the alleged documentation constitutes noncompliance with 15 U.S.C. 1692g, which requires a debt collector to provide full validation upon request.

Moreover, Aidvantage failed to provide all the documentation I requested, including : - A signed original promissory note ; - Full loan payment history ; - Documentation showing legal servicing rights ; - Proof their credit reporting complies with XXXX XXXX and FCRA standards. 



They continue to report this loan as valid and accurate without substantiating any of the required supporting documentation. This is a direct violation of : - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing of accurate information ; - 15 U.S.C. 1681i Failure to reinvestigate disputed information ; - 15 U.S.C. 1692g Failure to validate the debt under FDCPA.

I am requesting that the CFPB require Aidvantage to : 1. Immediately provide full documentation validating the debt ; 2. Remove or correct any unverifiable or inaccurate information reported to credit bureaus ; 3. Be investigated and held accountable for noncompliance with federal laws.

This complaint is filed in good faith and with supporting evidence. Aidvantages continued failure to comply with federal requirements harms consumers and must be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
I called SoFi bank on XX/XX/year> I spoke with a rude employee by name of XXXX she works in the disputes department. I informed her I am needed to file a dispute a transaction in the amount of {$4.00} that was posted on my SoFi account on XX/XX/year> she refused to help me and wasted my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: AZ

Complaint narrative:
After reviewing my consumers report. I noticed an account listed that i did not authorize. This account isn't belonging to me and i dont know how this happened. 


XXXX XXXX XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
After reviewing my consumers report. I noticed an account listed that i did not authorize. This account isn't belonging to me and i dont know how this happened. 


XXXX XXXX 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 2025-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
On XX/XX/year> I received a communication from Hunter Warfield regarding a rental debt. The message listed the account balance as {$3800.00}, and directly underneath that, it offered a one-time payment option to resolve this account in full for {$150.00}. The instructions were explicit : I was told to change the number of payments to XXXX and type in XXXX in their online portal. At no point did the message say this was an example, placeholder, or subject to creditor approval. 
Acting in good faith, I followed their instructions and attempted to submit the {$150.00} payment. However, I was met with a system message saying the amount was below your creditors acceptable range, and my payment could not be processed. This was incredibly confusing and contradicts the language of their communication, which made the {$150.00} seem like an active and final settlement offer. 
The company presented the payment as a way to resolve the account in full, and yet the system denied it with no warning or follow-up. This has left me unsure of my status, whether the account is still open, and what my rights are moving forward. I believe this type of communication is not only misleading but may also violate consumer protections under the Fair Debt Collection Practices Act ( FDCPA ) - specifically Section 807 ( 15 USC 1692e ) - which prohibits false, deceptive, or misleading representations of the amount or legal status of a debt.

Im filing this complaint to ensure that debt collection communications are held to truthful and transparent standards. I tried to resolve this debt as instructed, and Im now left without clarity or trust in the companys processes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC XXXX. 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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Dear Jefferson Capital system, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. o The name, address, and contact information of the original creditor. 2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied. 3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector. 4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations. 5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented. 6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome. For your reference, I have enclosed a copy of my credit report with the entry in question highlighted. Please confirm receipt of this letter and provide a written response within 15 days, as required by law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: PA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-06-25 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: CO

Complaint narrative:
I am requesting removal of an unauthorized hard inquiry that appears on my Equifax credit report. 

I did not give written consent or full authorization for this company to perform a hard credit pull. I have reached out to Equifax and the creditor directly, but have not received satisfactory resolution. 

Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require explicit, written permission. Since I did not knowingly authorize this inquiry, I request that Equifax investigate and remove it. 

This inquiry is negatively affecting my credit score and ability to qualify for important financial opportunities. 

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX should not be there. 

The only correct inquiry is XXXX XXXX. 

Please resolve this matter promptly. I am also requesting documentation that proves I gave consent, if such documentation exists. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MoneyLion Inc.
State: SC

Complaint narrative:
I am writing to formally dispute the late payment entries reported on my credit file for the closed account with MoneyLion Inc., account ending in XXXXXXXX XXXX XXXX XXXX XXXX as listed on my credit reports with XXXX XXXX XXXX XXXX 

These late payments have been inaccurately reported and are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I strongly believe that these entries are either incorrect or do not reflect the full context of my payment history and interactions with MoneyLion. This derogatory reporting is unjustly harming my credit profile and hindering my ability to qualify for favorable interest rates and improved credit products. 

I respectfully request that you conduct an immediate investigation into this matter and remove all associated late payment notations from this account. Please consider this a formal dispute of the negative payment history, and I ask that you update all three credit bureaus accordingly. 

Under the FCRA, you are obligated to ensure all information furnished to credit reporting agencies is accurate and complete. If MoneyLion is unable to verify the accuracy of these late payments, they must be deleted from my record. 

Thank you for your prompt attention to this matter. Please confirm in writing once the late payments have been removed or corrected.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I am being sued by a collection 's agency ( through their hired attorneys ) for a credit card debt that is time-barred. The state of XXXX has a state of limitations that prohibits creditors or debt collectors to file a lawsuit against me to recover the debt. After this four-year period expires, the debt becomes " time-barred, '' and creditors lose the legal right to enforce the debt through the court system. However, the collection 's agency still went ahead and sued me, which therefore means they have violated the Fair Debt Collection Practices Act ( FDCPA ) or XXXX XXXX Fair Debt Collection Practices Act. I was served on XX/XX/XXXX. The alleged last payment on the account in question was made in or before XXXX. The credit card debt is {$1100.00}. The judge assigned a XXXX XXXX XXXX. I believe this case has legal grounds to be dismissed with prejudice. Quite frankly I'm surprised the judge even accepted this case. It is a clear violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
CFPB Complaint Update XX/XX/year> - On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I filed and served an XXXX XXXX  {$80000.00} Voluntary Settlement Proposal Without Prejudice XXXX XXXX to Capital One, increasing my original demand. 
- Capital One has XXXX XXXX still not responded XXXX XXXX to the previous discovery request or any written settlement demand, despite being served and fully aware of deadlines. 
- I filed * * formal discovery * * with the court today and served it to Capital One at their registered agent location ( XXXX  XXXX ). 
- Capital One has now XXXX XXXX missed XXXX separate written settlement deadlines XXXX XXXX and continues to demonstrate nonresponsiveness. 
- On XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be filing a XXXX XXXX Notice of Discovery Default XXXX XXXX and serving a * * new Voluntary Settlement Proposal * *, with updated terms and a XXXX XXXX  XXXX deadline. 
- These escalating legal actions are a direct result of Capital One 's failure to resolve the matter or comply with discovery procedures in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
I am writing to formally dispute a discrepancy I have identified on my TransUnion credit report that does not align with my XXXX  credit report. 
The account in question is : XXXX XXXX XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my consumer report. This account does not appear on my XXXX report, and therefore raises concerns about its accuracy. 

I received a hard copy of my XXXX  credit report on XX/XX/year>, and confirmed that this account is not listed. All of my consumer reports should reflect consistent information.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Entrata Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Resident Verify , LLC. Please delete the following public record. 
Eviction : XXXX XXXX XXXX XXXX # XXXX Bal. {$3500.00} Filed : XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
Good day. The inaccurate information on my credit report is causing serious issues in multiple areas of my life, and the ongoing failure to correct it is extremely frustrating. My repeated requests to fix these errors have been ignored, which is a clear violation of my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years. 15 U.S.C 1666b ( a ) Time to make payments, A credit may not tre
at a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I never applied to these companies, nor did I authorize them to access my credit information. This is a clear violation of my rights as a consumerand with everything else going on in my life, this added stress is unacceptable.

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have one credit card and this has happened twice so far. Capital One has some how fix the account when I make a payment the payment is not applied. The payment is applied to my my bank account, but later is removed. I had my bank account. for this bank for more than 40 years.

I believe Capital One is somehow making sure that my account get charged huge late fees, and interest. I also believe they are removing the payment out of my bank account so it will look like I never paid on my Capital One account. I believe that this is fraudulent. 
They also allow charges on the new Capital One card from XXXX monthly payments. The other Capital One card already have XXXX monthly payments on that account. 
I believe the balances are not correct. I have not used this new card. 
I always pay early so that I avoid late fees, and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: KY

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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