vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: AL

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I opened a TD Bank retail credit card on XX/XX/XXXX to purchase a couch from XXXX XXXX. When I attempted the purchase on XX/XX/XXXX, a hold was placed on the card. I called customer service that same day, and they told me I would receive a letter explaining the situation, but I have not received anything since. It has now been over three weeks without any update. Despite calling multiple times during this period, the only response Ive been given is that my account is still under review, with no way to escalate or speak to another department to resolve the issue. This ongoing delay has caused me significant inconvenience, especially with my recent move.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have many accounts ( credit accounts ) with Synchrony Bank, about 9. Not all have any balance, only 4 have a balance and not high balances compared to limits. Never late on any of those accounts or any other account I have. No medical debt, all bills are paid on time, XXXX XXXX XXXX and {$110000.00} verifiable income. I logged in to pay my bills as I do each month, and I noticed all, ALL my Synchrony Bank accounts were closed. I thought it was an error since I have not received any communication so I called them. The 3 different customer service people I spoke with said it wasn't an error and they use a computer system to manage all their accounts so the computer system must have gotten something it didn't like. There is no one I can file a direct complaint with and there is nothing they can do. Closing all those accounts, MANY LONG YEARS worth of accounts, will make my credit score take a hit!!!! It will impact my credit usage % as well, so another hit to my score! The fact that Synchrony Bank is so careless with my credit after they have only had a great customer with me ( use often and paid bills on time ) and 3 different people telling me there is not one single HUMAN or manager that can help me is ridiculous! The fact that they didnt email/call/text me about this IS REDICULOUS!!!! What if I were out of town and only had a Synchrony XXXX for travel! I would have been stuck somewhere!!!! Oh, and I have some auto-payments set up using Synchrony Bank and now I have to re-do a lot of my accounts... WITH NO NOTICE from Synchrony Bank 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 explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: HI

Complaint narrative:
I am filing a complaint regarding mismanagement of my federal student loans. My loans were originally serviced by XXXX, then transferred to XXXX, and are now serviced by Aidvantage. 

Issues : -My aggregate borrowed amount was {$25000.00}, but Aidvantage is reporting an Outstanding Principal of {$26000.00} ( as of XX/XX/year> ) plus {$1800.00} interest. This reflects improper interest capitalization during COVID forbearance, which should not have occurred. 

-Aidvantage is reporting false delinquency dates of XX/XX/year> to credit bureaus, despite my loans being in forbearance/transition at that time. 

-These errors have damaged my credit score and inflated my repayment balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am filing a complaint regarding mismanagement of my federal student loans. My loans were originally serviced by XXXX, then transferred to XXXX, and are now serviced by XXXX. 

Issues : -My aggregate borrowed amount was {$25000.00}, but XXXX XXXX reporting an Outstanding Principal of {$26000.00} ( as of XX/XX/year> ) plus {$1800.00} interest. This reflects improper interest capitalization during COVID forbearance, which should not have occurred. 

XXXX is reporting false delinquency dates of XX/XX/year> to credit bureaus, despite my loans being in forbearance/transition at that time. 

-These errors have damaged my credit score and inflated my repayment balance.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am filing a complaint regarding mismanagement of my federal student loans. My loans were originally serviced by XXXX, then transferred to XXXX, and are now serviced by XXXX. 

Issues : -My aggregate borrowed amount was {$25000.00}, but XXXX XXXX reporting an Outstanding Principal of {$26000.00} ( as of XX/XX/year> ) plus {$1800.00} interest. This reflects improper interest capitalization during COVID forbearance, which should not have occurred. 

XXXX  is reporting false delinquency dates of XX/XX/year> to credit bureaus, despite my loans being in forbearance/transition at that time. 

-These errors have damaged my credit score and inflated my repayment balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: HI

Complaint narrative:
I am filing a complaint regarding mismanagement of my federal student loans. My loans were originally serviced by XXXX, then transferred to XXXX, and are now serviced by XXXX. 

Issues : -My aggregate borrowed amount was {$25000.00}, but XXXX XXXX reporting an Outstanding Principal of {$26000.00} ( as of XX/XX/year> ) plus {$1800.00} interest. This reflects improper interest capitalization during XXXX forbearance, which should not have occurred. 

XXXX is reporting false delinquency dates of XX/XX/year> to credit bureaus, despite my loans being in forbearance/transition at that time. 

-These errors have damaged my credit score and inflated my repayment balance.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Set up a credit freeze with Experian, XXXX  and XXXX. Tried to lift it online and it Experian was the only one that wouldn't let me login. Tried to make me register again. Tried that multiple times and was unable to. Tried to call and automated voice prompts veritifed my information and first said that my account was unfrozen. 

Thought that was great and applied for a new XXXX only to have XXXX ask me to contact Experian to have freeze lifted. Called in again, and went through the same torture to find out I did have a credit freeze. Was asked if I wanted to lift it and then asked for pin given when I registered. Said it was wrong and after multiple attempts directed me to go online experian " help '' which restarted the online issues again. No option to talk to a human. 

This happened before with Experian. Once I get this fixed, I will do a permanant lift and never have to deal with Experian again ; XXXX  an XXXX  will be it.

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 2025-08-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : 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 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 2025-08-23 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: KS

Complaint narrative:
I went to the car dealership and inquired about purchasing a vehicle. I did not give the dealer permission to shop my info around and he did anyway. Now I have hard inquiries and derogatory marks on my report which are hindering me from utilizing my credit to it's full potential. I would like for these accounts to be removed asap

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 2025-08-23 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I went to the car dealership and inquired about purchasing a vehicle. I did not give the dealer permission to shop my info around and he did anyway. Now I have hard inquiries and derogatory marks on my report which are hindering me from utilizing my credit to it's full potential. I would like for these accounts to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, LVNV FUNDING LLC, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/year>XXXX  this Account IS fraudulent, I DID NOT OPEN THIS ACCOUNT, DUE TO DATA BREACH MY PERSONAL INFORMATION HAS BEEN EXPOSED AND BEING USED BY THEIFS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
I am refinancing an auto loan with a different bank for a better rate. While with the XXXX  XXXX ( bank that will give me the new loan ), I called Wells Fargo on XX/XX/2025, at XXXXXXXX XXXX The bank manager helped me describe the request for the payoff amount and the per diem. We were told the document would be faxed within 24 hrs. I waited all day of XX/XX/2025, and the document was not faxed. I called Wells Fargo at XXXX XXXX  on XX/XX/2025. I spoke with a representative who told me he would have the document faxed within a couple of hours. When the documents still had not arrived, I called Wells Fargo again at XXXX XXXX. I spoke with another representative who told me there was an error on the earlier request. The request was dated for Wednesday and that is not permitted so, the request was cancelled. I was not notified. After some whining and pleading, the representative sent me to another person who said the document would arrive within 24 hrs. That person stated the document would be sent to me by email and sent to the bank by fax. That person also said he was going to file a complaint with the bank on my behalf. At the time of this writing, it is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and the document has not been sent by email or fax. Please help me complete this transaction. Please compel Wells Fargo to send the document immediately.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IN

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am filing a formal complaint against Nelnet for furnishing inaccurate and damaging information to the consumer credit reporting agencies.

In XX/XX/year>, Nelnet reported that I failed to make a payment on my student loan. This information is categorically false because my account is in deferment status, and no payments are due until XX/XX/year>. Despite this, Nelnet reported a delinquency that never existed, which has caused significant harm to me. 

As a result of XXXX inaccurate reporting, my credit score fell by as many as XXXX points or more in a single month. This drastic drop has affected multiple credit reports and has damaged my creditworthiness, my purchasing power, and my overall reputation as a borrower. I want to be clear that I do not owe any payments until XX/XX/year>, and my account is in deferment status. 

This conduct by Nelnet is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, data furnishers are required to provide only accurate and complete information. They must not furnish information they know or should know is inaccurate. Nelnets failure to comply with these obligations has caused me direct financial harm and distress. 

I am requesting that the CFPB intervene and require Nelnet to immediately correct my credit report by removing the false delinquency and restoring my credit score to its previous level. I am also seeking monetary compensation for the harm done to my credit profile and financial standing. Additionally, I ask that appropriate measures be taken to ensure Nelnet complies with the law and does not continue to harm consumers.

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: AR

Complaint narrative:
This account was removed from my report due to inaccurate information and it was placed back on my report because it was sold to a new company under the name of Jefferson Capital system account # XXXX. I disputed this account and asked them to provide information on the original date and what the charges were for and they failed to do so and the account remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I was refused inquiry removal and never spoke with any one from the fraud department! As equifax representative refused too follow the law! As I did not Authorize my credit report to be looked into or checked out I did not give written consent or authority this is identity theft I requested all inquiries and negative info being reported by equifax to my credit report be removed at one under 15 usc 1681c2 1681 s2 this was refused and this company continues with identity theft the call was @ XXXX sat morning XX/XX/year>2025 made by XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I have the right to request validation of the debt. Credence has not provided any written proof, contract, or documentation showing that I am legally responsible for this debt. Attempting to collect without proper validation violates my rights.

Additionally, under 15 U.S.C. 1692e, a debt collector may not use false, deceptive, or misleading representations, and under 1692f, they may not use unfair or unconscionable means to collect a debt. Continuing to attempt collection of an unverified debt is a violation of these protections.

I am requesting that the CFPB require XXXX XXXX XXXX to cease all collection activity on this alleged debt unless full validation ( including a signed agreement and full account history ) is provided. If they can not validate, the debt should be permanently deleted from all records and not resold or reassigned to any other collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NJ

Complaint narrative:
I looked at my Experian credit report on XXXX XXXX,

2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.

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