vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
I sent an email to AIDVANTAGE ( XXXX XXXX XXXX on XX/XX/year> asking for clarification regarding the recent changes on my account. I have not received a response. 

On the AIDVANTAGE website under my account it states that the ADMINISTRATIVE FORBEARANCE placed on my account due to the SAVE Plan is ending on XX/XX/year> with {$0.00} showing as due on XX/XX/year>. 

I applied to change to the IBR plan on XX/XX/year>. On XX/XX/year>, I received a letter from AIDVANTAGE dated XX/XX/year> stating that there was a change in Repayment Terms and that I would have a payment due on XX/XX/year> in the amount of {$760.00}. 

I DO NOT want to miss making any payments on my account. Kindly confirm that I although the above-mentioned ADMINISTRATIVE FORBEARANCE is ending on XX/XX/year> I will not have a payment due at that time and I will not have a payment due until XX/XX/year>. 

I would also like to know when my IBR plan will be effective as I applied on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX Incorrect Name - 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 explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or fraudulent. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXXXXXX XXXX for inaccurately reporting a debt to the credit bureaus that I do not owe. XXXX XXXX XXXX, XXXX has reported is in error and appears to have been furnished without my agreement or consent, nor have I ever signed any contract or agreement related to this alleged debt. As a result of this erroneous reporting, my credit score has been negatively impacted, and I am now facing significant difficulty in obtaining credit, particularly with other telecommunication companies. I have no knowledge of this debt and have not entered into any agreement or contract with XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding the following : 1. Failure to validate the debt : Under the FDCPA, when a debt is disputed, you are required to provide validation of the debt. I have made diligent attempts to resolve this matter, yet I have not received adequate evidence that this debt is legitimate or that I am responsible for it. 2. Furnishing false information by reporting this debt to the credit bureaus without proper validation or my consent, XXXX XXXX XXXX is in violation of the FDCPA, which prohibits the reporting of false or misleading information. XXXX. Damage to my credit and emotional distress : The erroneous reporting has resulted in a significant negative impact on my credit score, which has caused me emotional distress and difficulty securing credit with other providers. According to the FDCPA, I am entitled to compensation for these violations, as the unlawful reporting of inaccurate debt has caused direct harm to my creditworthiness and financial stability. Therefore, I am formally requesting the following : 1. Immediate removal of the inaccurate debt from all credit reporting agencies. 2. Compensation for the damages and distress caused by the negative impact on my credit report. Additionally, I will consider legal action for violations of the FDCPA and any other applicable consumer protection laws.

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 2025-10-22 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking 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 2025-10-22 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:
My XXXX XXXX  account contains inaccuracies : -last payment date is not corresponding with equifax XXXX date opened says XX/XX/XXXX with equifax but XX/XX/XXXX with TransUnion XXXX account number is inaccurate/inconsistent across all three bureaus, Experian states its XXXXXXXX XXXX XXXX TransUnion states its XXXXXXXX XXXX XXXX XXXX XXXX and Equifax states its XXXXXXXX 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 2025-10-22 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: TX

Complaint narrative:
My XXXX XXXX  account contains inaccuracies : -last payment date is not corresponding with equifax XXXX date opened says XX/XX/XXXX with equifax but XX/XX/XXXX with TransUnion XXXX account number is inaccurate/inconsistent across all three bureaus, Experian states its XXXXXXXX XXXX XXXX TransUnion states its XXXXXXXX XXXX XXXX XXXX XXXX and Equifax states its XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I contacted ProCollect on Monday XX/XX/2025 after receiving a letter in the mail about a payment plan, after mentioning a payment plan I was told they do not do payment plans and that they were marking me a refusal to pay if the full payment wasnt paid on that day. I had also called a previous time before then as well and every person I spoke to including an alleged supervisor hung up in my face because I told them I couldnt afford to pay the balance in full. If this company doesnt allow payment arrangements they shouldnt have that optioned sent in mail. The amount owed is XXXX and 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 2025-10-22 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: MO

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. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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. XXXX, XXXX  and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed 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 2025-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Ability Recovery Services , LLC is reporting a medical collection account ( Acct. # ending XXXX XXXXXXXX ) that originally went delinquent in XX/XX/XXXX. However, they and all three credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXXre reporting the Date Opened and Status Date as occurring in XXXX, making the debt appear new. 

This constitutes illegal re-aging in violation of FCRA 623 ( a ) ( 5 ) and misrepresentation under FDCPA 807 ( 2 ) ( A ). The original delinquency date must remain XX/XX/XXXX, and the account should be scheduled for removal in XXXX. 

I request that CFPB investigate and require Ability Recovery Services and the credit bureaus to correct or delete this re-aged item. 

Supporting documents : XXXX dispute results ( XX/XX/XXXX and XX/XX/XXXX ) Screenshot of the account details showing Date Reported : XX/XX/XXXX and Date of First Delinquency : XX/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 2025-10-22 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: TX

Complaint narrative:
This is a formal affidavit and legal notice disputing inaccurate late-payment reporting appearing on my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ), and 623 ( a ) ( 1 ) ( A ) ) and the Fair Credit Billing Act ( 15 U.S.C.

1666b ), you are hereby notified that the following accounts are reporting late payments without verifiable evidence or compliance with federal billing standards : XXXX 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 closed account ) These entries are damaging and unverified. I demand immediate reinvestigation and deletion within 30 days, as required by 1681i ( a ) ( 1 ) ( A ). If your investigation can not produce full documentation proving that each alleged late payment was both accurate and lawfully reported, you must delete the item in full compliance with 1681i ( a ) ( 5 ) ( A ).

Final Statement : I am asserting my full rights as a consumer under federal law. The inaccurate late-payment reporting reflected in my file is a direct violation of the Fair Credit Reporting Act and the Fair Credit Billing Act. These errors are not minor clerical issues they are acts that have caused measurable harm to my credit reputation, my ability to obtain financing, and my standing as a responsible citizen.

No consumer should be subjected to false or misleading data, especially when such information fails to meet the requirements of maximum possible accuracy under 15 U.S.C.

1681e ( b ). This affidavit serves as both notice and demand : either provide verifiable documentation supporting each late-payment mark, including complete payment histories and original creditor records, or delete the information from my file in full compliance with 1681i ( a ) ( 5 ) ( A ).

I am not requesting a courtesy correction I am demanding compliance with federal law.

Continued misreporting will be documented as willful noncompliance and forwarded to the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Texas Attorney General for immediate review.

Additional Dispute Personal Information : It has come to my attention that my file includes inaccurate personal identifiers. Please correct the following : 1. Remove the misspelled former name XXXX XXXX. My legal name is XXXX XXXX. 
XXXX. Delete all outdated or former addresses. Retain only my current address : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. 
These inaccuracies violate FCRA 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ) as they fail to meet the requirement of maximum possible accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This account was settled under a Pay-for-Delete agreement, and continued reporting violates 623 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year>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 2025-10-22 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: NV

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/year> XXXX

Company response to consumer: Closed with explanation