vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I am filing this complaint against Aidvantage due to the sudden appearance of student loans on my account that I did not take out, and the severe negative impact this has had on my credit score. 

I originally took out a single student loan in Fall XXXX to attend the University XXXXXXXX XXXX This loan was paid in full, closed, and has never been late, with the final payment made on XX/XX/XXXX. I have credit report documentation confirming this. 

When Aidvantage took over servicing from XXXX, XXXX additional loans suddenly appeared on my account. These were not loans I took out, and I was never informed of their existence until they began affecting my credit. On XX/XX/XXXX, I contacted Aidvantage to inquire about the origin of these loans. They were unable to tell me where they came from or which school they were associated with, and directed me to the Federal Student Aid ( FSA ) helpline.

I called FSA the same day. They also could not provide any details about the loans and advised me to file a formal complaint, which I did later that week. I never received any response or follow-up.

Assuming the issue was under review or resolved, I did not pursue further action until XX/XX/XXXX, when my credit score dropped significantly. Upon reviewing my credit report, I discovered multiple late payments associated with the two unknown student loans. 

I contacted FSA again on XX/XX/XXXX. This time, I was told the loans were taken out at XXXX XXXX XXXX XXXX ( TCCD ) a school I have never applied for aid through. I contacted XXXX  on XX/XX/XXXX, and they told me they had no access to the original loan agreements and advised me to speak with FSA. FSA again redirected me to my loan servicer, Aidvantage.

Aidvantage helped me create an online account to view my loan records. The system showed two open student loans, both supposedly originating from the University XXXX XXXXdespite my only loan from that school having been fully repaid in XXXX. 

I submitted another formal complaint to FSA that day ( XX/XX/XXXX ), but as of now, I have not received any response or resolution. 

I have discovered through online research that I am not the only borrower who has encountered phantom loans, account errors, and reporting issues following the transfer from XXXX to Aidvantage. This appears to be part of a broader systemic issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I emailed Firstmark Services on XX/XX/year> asking about additional forbearance options due to financial hardship. They told me to reach out again for options once my loans enter repayment. I sent another email on XX/XX/year> asking about loan forbearance options and was told that I do not qualify for an extension of my forbearance. I then called to talk to a representative and was told the same thing, that I can not receive additional forbearance, even in financial hardship and extenuating circumstances. 
I have called multiple times to discuss the options for lowering or suspending my egregiously high monthly payments, and the only option they provided was their loan modification program, which they discouraged, and which would still leave me with an egregiously high monthly payment. My complaint is with the lack of repayment options for individuals in economic hardship. My refinance loans were denied as well, both with and without a cosigner and for one or both of my loans. I dont make enough income to pay my loans, yet I cant get a loan to pay my loans because my income is too low. It makes no sense and is completely discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Dear True Accord : I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. The reporting inaccuracies concerning these accounts violated both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 U.S Code 1692 ( e ) and 15 U.S Code 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
5. Complete accounts history, inclusive of all collection-related charges. I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S Code 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account.

Furthermore, per-15 U.S. Code 602 ( a ) ( 2 ), no account can be furnished without my written instructions. Your actions have infringed upon my rights under several sections of the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( d ) : Harassment or abuse in connection with debt collection. * 1692e : Use of false, deceptive, or misleading representations. * 1692g ( b ) : Failure to properly disclose my rights. XXXX XXXX  : Use of unfair or unconscionable means to collect a debt. I request the immediate deletion of this disputed account from all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting agencies due to its unrecognized status and the absence of contractual obligations. Your prompt attention to this matter is appreciated. Failure to comply may results in further legal action to protect my rights and interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FEDChex Recovery, LLC
State: TX

Complaint narrative:
On XXXX XXXXXXXX XXXX  FCR Services e-mailed a validation notice for a small bookstore balance ( account ending XXXX ). The same day I disputed the debt in writing, invoked 15 U.S.C. 1692g ( b ), demanded mailed validation, and revoked all consent to phone, text, or e-mail communication under 15 U.S.C. 1692c ( c ). Without providing the required mailed verification, FCR sent automated SMS payment demands from short code XXXX on XXXX XX/XX/year> and XXXX XX/XX/year> ; the latter stated the account had been forwarded for legal review. FCR has never mailed the statutory validation. These texts therefore constitute ( i ) continued collection activity barred by 1692g ( b ) and Regulation F, ( ii ) contact after a written cease-communication notice in violation of 1692c ( c ) and the Texas Debt Collection Act, ( iii ) a deceptive legal threat prohibited by 1692e ( 5 ) & ( 10 ) and Tex. Fin. Code 392.304 ( a ) ( 19 ), and ( iv ) two autodialed communications to my cell phone without consent in violation of the TCPA, 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). I have preserved the relevant e-mails and SMS screenshots and am submitting them with this CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$360.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00}, XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$360.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00}, XXXXXXXX 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

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 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Revolut Technologies Inc.

Complaint narrative:
Since XX/XX/year>, my Revolut account has been placed under review and frozen without a clear explanation or resolution. I have fully cooperated with all requests from the support team, providing documentation,, transaction receipts, and even requesting information about the cause of the review yet no specific reason was ever provided. 

Over the past two and a half months, I have received repeated, vague responses from multiple agents, including XXXX, XXXX, XXXX, and XXXX, all of whom assured me that the matter was being actively reviewed. On XX/XX/XXXX, I was told by agent XXXX that I would receive a final update by the end of the day. That did not happen, and no follow-up was provided. I raised this again on XX/XX/XXXX, and was told once more to wait. 

One of the most concerning aspects is that an agent previously informed me that my account would be closed and the remaining funds returned to me. However, this decision was later reversed without explanation. This inconsistency only adds to the confusion and uncertainty around my case. 

This situation is seriously affecting my ability to manage daily life especially as I am currently traveling in XXXX on a tourist stay and unable to access my own money for basic living expenses. I even attempted to withdraw cash with the newly ordered physical card, but it was also blocked. 

I am a law-abiding customer and have done everything asked of me. The delay is now excessive and unjustified. I am requesting immediate clarification, resolution of the matter, and access to my funds. I expect this case to be reviewed with urgency, and I hope regulatory intervention will finally bring accountability and transparency to this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I discovered that I had fraudulent activities on my credit report and as a result, on XX/XX/year> I filed an identity theft report which included the Barclays account which as of XXXX, has accrued a balance of {$3900.00}. I also proceeded to file a police report on XX/XX/year> and included the fraudulent Barclays account. I have filed a complaint with the XXXX XXXX XXXX, as of XXXX to resolve this matter, however it is still unresolved. I have never even received a bill statement from this company. On XX/XX/year>, the XXXX  received a letter from the company advising that they would send a secure response to my e-mail, which I never received. I have tried to contact XXXX 's by phone several times, however I have not received a call back. XXXX 's has made no attempt to contact me in writing or phone to resolve this issue. 

I am an older adult and have done everything I can to resolve this matter. I am a victim of identity theft and fraud, and would like this matter investigated. 

I desire for this account to be completed removed from credit report. 

I would like a written response from the company, sent via hardcopy mail to my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
The account keep disappearing a reappearing like it is a new account, the debt is from 2019, and the company went under during the pandemic, account is to old to be on my credit like new debt and I have ask them to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00}

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-07-08 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: NC

Complaint narrative:
LOOKED AT PY REPORT TO SEE AND AUTO LOAN THROUGH XXXX  XXXX  WAS AQUIRED IN MY NAME AND I REACHED OUT TO CONSUMER REPOTING AGENCIES WITH NO ACTION TAKEN

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-07-08 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation