vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Dear CFPB Complaints Team, I am writing to provide supporting documentation for my student loan servicing complaint filed via the Consumer Complaint Portal regarding XXXX 's handling of my federal loans during the period from approximately XXXX to XXXX. 

In my complaint, I described how I contacted XXXX XXXX ( and later XXXX ) multiple times during this period seeking repayment assistance. Rather than being guided into income-driven repayment ( IDR ) plans, I was repeatedly placed into forbearance without being informed of my other options. This resulted in significant capitalized interest and long-term financial hardship. 

After eventually discovering IDR options on my own, I enrolled in a plan but only after substantial delay and misinformation. This experience closely mirrors the borrower harm described in the CFPB 's past actions and state AG settlements with XXXX. 

Attached is a XXXX XXXX that includes : - My formal written request for case review - Emails and documents from XXXX to XXXX confirming my loan history with XXXX XXXX and XXXX - My signed XXXX IBR application with XXXX XXXX - Evidence of poor servicing support and lack of clear guidance regarding IDR or forgiveness options Thank you for your time and for reviewing my complaint. I would greatly appreciate any guidance or investigation your office can provide regarding potential restitution or remediation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am demanding strict proof that LVNV Funding LLC has the legal standing to report and collect on this debt. This includes but is not limited to : XXXX XXXX XXXX XXXX. Proof of Ownership & Legal Standing - A copy of the original signed contract between myself and the original creditor, explicitly proving I agreed to this debt. 
- A complete chain of title showing the legal assignment of this debt from the original creditor to LVNV Funding LLC. Mere data printouts or generic account statements are not sufficient. 
XXXX XXXX XXXX  2. Complete and Itemized Accounting of Alleged Debt - A detailed breakdown of how the balance was calculated, including all principal, interest, fees, and charges. 
- A copy of all account statements from the original creditor showing each transaction leading up to the alleged balance. 
XXXX XXXX XXXX 3. Proof of LVNV Funding LLCs Right to Report This Debt - A signed contract between LVNV Funding LLC and the credit bureaus demonstrating your permissible purpose under 15 U.S.C. 1681b to report this debt on my consumer report. 
XXXX XXXX XXXX XXXX. Affidavit from Original Creditor - A sworn affidavit from the original creditor verifying that the balance LVNV Funding LLC claims to be collecting is accurate, legitimate, and that the debt was not forgiven, settled, discharged, or otherwise resolved prior to being sold. 
XXXX XXXX XXXX  Failure to Comply Will Result in Legal Action Under 15 U.S.C. 1692e, any false, deceptive, or misleading representationincluding reporting unverifiable debtconstitutes a violation of federal law. Furthermore : - If you fail to validate this debt, you must immediately delete it from my credit report. Continuing to report an unverified debt is a direct violation of the FCRA and FDCPA, subjecting LVNV Funding LLC to statutory damages of up to {$1000.00} per violation plus actual damages, attorney fees, and court costs. 
- If you continue collection activity without proper validation, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for unfair and deceptive practices. 
XXXX XXXX XXXX  Time-Sensitive Demand Pursuant to 15 U.S.C. 1692g ( b ), you are required to cease all collection activity until you have provided the requested documentation. You have 30 days from receipt of this letter to fully validate this debt or delete it from my records. 
If you fail to respond appropriately, I am fully prepared to pursue legal action against LVNV Funding LLC for violations of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My student loans were in forbearance when they were transferred from XXXX XXXX to XXXX, but due to outdated contact information, I was never notified of the transfer or any missed payments. I had always kept autopay set up specifically to avoid missed payments, yet I did not receive 30, 60, or 90-day past due notices. I only became aware of the issue on XX/XX/XXXX through an Experian alert, at which point the payment was already reported as 120 days late. As soon as I found out, I called XXXX and updated my contact information, paid the balance in full, and set up autopay again. I respectfully request a review, as this late payment has significantly impacted my credit despite the lack of proper notification.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My student loans were in forbearance when they were transferred from XXXX XXXX to XXXX, but due to outdated contact information, I was never notified of the transfer or any missed payments. I had always kept autopay set up specifically to avoid missed payments, yet I did not receive 30, 60, or 90-day past due notices. I only became aware of the issue on XX/XX/XXXX through an XXXX alert, at which point the payment was already reported as 120 days late. As soon as I found out, I called XXXX and updated my contact information, paid the balance in full, and set up autopay again. I respectfully request a review, as this late payment has significantly impacted my credit despite the lack of proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My student loans were in forbearance when they were transferred from XXXX XXXX to XXXX, but due to outdated contact information, I was never notified of the transfer or any missed payments. I had always kept autopay set up specifically to avoid missed payments, yet I did not receive 30, 60, or 90-day past due notices. I only became aware of the issue on XX/XX/XXXX through an XXXX alert, at which point the payment was already reported as 120 days late. As soon as I found out, I called XXXX and updated my contact information, paid the balance in full, and set up autopay again. I respectfully request a review, as this late payment has significantly impacted my credit despite the lack of proper notification.

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 2025-04-01 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: 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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I kindly request the prompt removal of the fraudulent entries from my credit report in light of this situation, along with the necessary actions to rectify any inaccuracies or fraudulent activities. Attached are documents from relevant authorities that substantiate my claims.

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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
TO whom it may concern " On XX/XX/XXXX and XX/XX/XXXX JPMCB submitted a 1099-c for a charge off on two accounts. 

I have asked JPMCB, XXXX, XXXX, and XXXX, since I have received the 1099- C 's to delete the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Re : Illegal Reinserted Item on My Consumer Report FCRA Violation account name ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) I am writing to formally dispute an issue regarding the reinsertion of a previously deleted item on my Experian credit report. This item was originally removed from my report in accordance with the Fair Credit Reporting Act ( FCRA ) and has now been wrongfully reinserted. 

I am requesting that you promptly investigate this matter and ensure that the incorrect and unauthorized reinserted information is permanently removed from my credit report. 

According to Section 1681c-2 of the FCRA, once a consumer report item has been deleted, it may not be reinserted unless the furnisher of the information provides written notice to both the consumer and the credit reporting agency within five business days of the reinsertion. The notice must include the identification of the information that was reinserted, along with a statement explaining why the item is being reinserted. To date, I have not received any such notice.

The unauthorized reinsertion of this information constitutes a clear violation of the FCRA and is damaging to my credit standing. I request that you provide immediate confirmation in writing that the item has been permanently removed from my consumer report and that no further action will be taken regarding this violation.

Please provide me with a copy of my updated credit report showing the removal of this item, along with any documentation related to the reinsertion, within 30 days of receiving this letter. If you do not comply, I will not hesitate to take further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Thank you for your prompt attention to this matter. I look forward to your timely resolution of this issue. 


Sincerely, ricar

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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
During the pandemic I had tried to purchase a car and I placed a deposit down on the car. I returned back to the dealership to let him know I would not be moving forward with the car due to the history of the car once I checked into and he never said that my money was non refundable. I disputed it with my bank and the bank stated I never sent any information but o had no documentation to send to the bank or any correspondence from the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Checking or savings account ISSUE Problem with a lender or other company charging your account I am filing another complaint against 5/3 bank due to inaccurate statements they made regarding the above reference first complaint. 

They stated on XX/XX/year> as a response to the above claim that the claim was denied due to the following : Our records indicate the activity is consistent with the location, type, or amount of purchases you have made in the past ; therefore, the dispute was denied. 


This is inaccurate. The fraudlant activity began XX/XX/year> and continued for several days until all of my funds and an overdraft of {$3400.00} was the balance of my account. There should have be no previous credits on my account like the ones that were done for several days. I would attach the statements to prove this, but 5/3 bank closed the account. All 5/3 bank provided was the fradulant activity and not the suppose purchases that were made in the past. Also, they did not even mention the fact that the account was overdrawn and I did not authorize overdraft protection. 

Please explaoin why the CFPB closed this claim without me being able to respond? You just took their word for it, which is inaccurate. Again, my account was depleted off all of the funds plus an overdraft of approximately {$3400.00} that I did not authorize or do on my own. Now 5/3 bank has turned me over to collections for the unpaid balance which again I did not do or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
This is regarding my dispute against XXXX XXXX for {$420.00}. The credit card company denied my dispute claiming I did not send them documentation in enough time. That was false information. Then they had the audacity to deny it a second time, alleging that the documentation I provided to them does not support the reversal of the decision. I just called and spoke with the Disputes department to get some clarification, and the responses I received were utterly absurd and extremely unreasonable, to be honest. How in the world can anyone expect someone to prove they were told something was included with a service, unless they were told in writing?? Furthermore, how can anyone expect someone to prove there were still issues with plumbing after the service provider left?? All one can do is contact the company from which the service was provided and inform them. And if the company does not offer to come out and fix the issue that their service provider just caused and the consumer has that in writing, then that alone should be enough to find in the consumers favor. 

I just tried to resolve this with the credit card company directly but they would not cooperate. Therefore they have forced me to escalate this matter further

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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-01 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-01 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:
Equifax reports XXXX accountsopen, closed, or collectionsbut a balance owed in thousands, not mine. Locked out online, I cant verify, but this is inaccurateno accounts, no proof. Violates 15 U.S.C. 1681e ( b ) for accuracy, 1681i for unverifiable datahow do I owe without accounts? As a XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) bans unverified data processingthey wont stop. XXXX show accounts ; Equifaxs glitch or re-aging hides them, breaking 15 U.S.C. 1681c. No contracts in my name. Delete this now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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