vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Enterprises, LLC
State: TX

Complaint narrative:
Revenue Enterprises reported a medical debt to my credit report. I utilized their chat to gain more information on what the debt was regarding due to not receiving anything by mail. When messaging, I asked for a validation of debt. XXXX stated that can send an invoice but not proof that they had authority to collect on the debt since they did not purchase the debt. I informed her of FDCPA guidelines and that by law she is required to provide the original creditor, amount owed, proof of authority to collect on the debt, and an itemization of what is owed. She stated that they are only required to send a statement of what is owed. Then backtracked and stated that I should have checked my mail. ( I check my mail weekly and have not received anything from them ) which is why i asked for the validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OK

Complaint narrative:
I am submitting this complaint regarding Weltman, Weinberg & Reis Co., LPA due to their repeated failure to respond to my written communications concerning a debt for which I am a cosigner. The debt is related to a loan originally taken out by my ex-fianc. 

On XX/XX/year>, I sent a certified letter requesting an itemized breakdown of the charges associated with the debt. I received no response for nearly 60 days. After leaving a voicemail on the companys main line, I finally received an email response on XX/XX/year>, from XXXX, offering a reduced settlement amount.

I promptly replied to this email on XX/XX/XXXX and again on XX/XX/XXXX and XX/XX/year>, requesting confirmation of the settlement terms and asking that the agreement include a pay for delete provision, which is a reasonable request within industry norms. I also submitted multiple inquiries through the companys website and CCd additional company email addresses found online. Despite these efforts, I received no further written responses.

In my initial certified letter, I clearly stated that I preferred written communication to maintain a documented record, especially given the sensitive nature of this debt and my history with the primary borrower. Despite this, the company failed to uphold consistent communication.

On the final date listed in their settlement offer, I attempted to make the payment via their phone system and online portal. However, the system still reflected the original, higher debt amount, not the agreed-upon settlement. This discrepancy, combined with the lack of communication, has made it impossible for me to proceed with confidence.

I am requesting the CFPBs assistance in ensuring that this debt collector responds appropriately and honors the settlement terms they initially proposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ 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 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: AZ

Complaint narrative:
I am refiling a continued complaint against Zion Debt Holdings regarding a disputed XXXX XXXX XXXX account that they claim to have purchased. 

XXXX confirmed to the Arizona Attorney General ( see attached letter dated XX/XX/year> ) that the debt was sold ; therefore, XXXX XXXX no longer owns this account. However, neither XXXX nor Zion have provided any legally required documentation validating this debt, including proof of assignment, itemized statement, or signed agreement showing the amount allegedly owed.

I previously requested validation from Zion under the Fair Debt Collection Practices Act ( FDCPA 809 ), but their response only contained a short statement asserting that the debt was purchasedwithout any supporting documents. Despite this ongoing dispute, Zion has stated that it plans to report the debt to the credit bureaus on XX/XX/year>, without providing verification.

This is an attempt to collect or report a disputed debt that has not been legally validated, which violates both the FDCPA and FCRA.

What information did you request : I requested : Proof that Zion Debt Holdings legally owns this account ( assignment or bill of sale ).

Itemized accounting of any alleged balance due.

Copy of my original signed service agreement with XXXX. 

Verification of proper account closure and any charges leading to a balance.

None of these were provided.

What would be a fair resolution : I request that the CFPB instruct Zion Debt Holdings to : Cease all collection and reporting activity on this disputed account until full legal validation is provided.

Remove or prevent any credit bureau reporting related to this debt unless proper validation occurs.

Provide written confirmation of the debts validation or permanent closure.

Acknowledge in writing that they will not report the account to credit bureaus until resolved.

I have attached : XXXX  letter to the Arizona Attorney General confirming the sale of the account My certified Notice of Continued Dispute & Intent to File Complaint Zions prior response to my original CFPB complaint The original XXXX  closure email ( showing no balance mentioned ) A one-page Evidence Summary with dates and communications

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 2025-10-30 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have items on my credit report that I dont recall and I want them to be removed I feel as though someone was opening items in my name without my approval using my confidential 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 2025-10-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint because my Experian credit report may contain inaccurate or unverifiable information. I request a reinvestigation under FCRA 611.

Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiries in Dispute JPXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recall authorizing all of these inquiries. Please verify that each inquiry was authorized by me. Remove any inquiry that can not be verified.

Late Payments XXXX XXXX XXXX Verify that this late payment is accurate. Remove or correct if unverified.

There are currently no positive accounts in dispute with Experian.

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 2025-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: WV

Complaint narrative:
This loan was taken out with three different schools the XXXX XXXX XXXX in XXXX XXXX, California, Florida XXXX XXXX in XXXX, Florida and XXXX in XXXX XXXX XXXX, XXXX  XXXX : U.S. Department of Education Secondary : Aidvantage Tertiary : Treasury Offset Program Issue : * XX/XX/XXXX CALL * * : * * Operator # In XX/XX/XXXX the IRS For her XXXX tax refund, filed via XXXX XXXX Taxes , the IRS confirmed payment to XXXX XXXX but Plaintiff has not confirmed receipt as of XX/XX/XXXX. On XX/XX/XXXX, IRS Operator # XXXX advised an address update by XX/XX/XXXX, with follow-up by XX/XX/XXXX, if ] * * told me wait 120 days * * knew money was taken in XXXX * * Why wouldnt they just tell me that the money was used as an offset for my federal loans instead of not sending me a notification and advantage not posting it to my account I didnt find out that it was posted into my account so I asked for my tax transcripts or I still wouldnt know I was supposed to call back again There were two more calls made to the IRS XXXX operator number XXXX And Another operator number was XXXX. An operator XXXX Unsure the call date. 
Aidvantage ( XX/XX/XXXX ) : * * NO PAYMENT POSTED * *. 
I only found out via * * IRS transcript * *.

This is * * FRAUD * *, * * DECEPTION * *, and * * DUE PROCESS VIOLATION * * under : - * * 31 U.S.C. 3716 * * ( no notice ) - File date : * * XX/XX/XXXX * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am submitting this statement to formally dispute several accounts listed on my credit report that appear to be inaccurate or incomplete. I respectfully request that Experian perform an investigation under the Fair Credit Reporting Act ( FCRA ) and update or remove any information that can not be verified.

Accounts in Question ( Charged Off ) : XXXX XXXX, Account No. XXXX, Reported XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account No. XXXX, Reported XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, Account No. XXXX, Reported XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX, Account No. XXXX, Reported XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, Account No. XXXX, Reported XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX, Account No. XXXX, Reported XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX, Account No. XXXX, Reported XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account No. XXXX, Reported XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX, Account No. XXXX, Reported XX/XX/XXXX, Balance : {$7100.00} Inquiries to be reviewed : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : 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 2025-10-30 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: MA

Complaint narrative:
I am requesting that Equifax conduct a thorough investigation into the following accounts that are being reported on my credit file. I believe the information listed below is either inaccurate, incomplete, or unverifiable. Please review these accounts in accordance with the Fair Credit Reporting Act ( FCRA ) and provide a detailed response regarding the results of your investigation.

Accounts in Question ( Charged Off ) : XXXX XXXX, Account No. XXXX, Reported XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account No. XXXX, Reported XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, Account No. XXXX, Reported XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, Account No. XXXX, Reported XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  XXXX, Account No. XXXX, Reported XX/XX/XXXX, Balance : {$1300.00} XXXX, Account No. XXXX, Reported XX/XX/XXXX, Balance : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am disputing the way SYNCB/PPC is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, SYNCB/PPC, with account # XXXXXXXX XXXX XXXX XXXX XXXX, reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting 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 explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report 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 2025-10-30 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: CL Holdings LLC
State: NJ

Complaint narrative:
I have items on my credit report that I dont recall and I want them to be removed I feel as though someone was opening items in my name without my approval using my confidential information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
I am submitting this complaint because my Equifax credit report contains an account that I believe may be inaccurate or unverifiable. I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) 611. 

Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXXXXXX XX/XX/year> {$0.00} Please verify this account with the original creditor. If the account can not be fully verified, I request that it be removed from my credit report. 

Late Payments XXXX XXXX XXXX Please verify the accuracy of this reporting. If it can not be verified, I request correction or removal. 

There are currently no inquiries or positive accounts in dispute with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
I borrowed {$3400.00} from TitleMax. Since then, I have paid the company {$3600.00}, which is more than the original loan amount. Despite this, TitleMax claims my balance is {$4300.00} and insists that every dollar I have paid has only gone to interest and late fees, with no reduction of principal. Their practice of applying all payments to fees and interest, while keeping the principal untouched, is a hallmark of predatory lending and creates a perpetual debt trap. When I called corporate to negotiate a settlement, I was redirected to the district office, then pushed back to the local store. At the store, the general manager told me I was not allowed to speak with the District Director ( DBO ) and that only she could submit offers. She said my offer would not even be considered unless I agreed to pay at least half of the inflated balance ( {$2100.00} ). I begged her to submit my reasonable proposal of {$720.00}, which reflects the difference between what TitleMax says I owe ( {$4300.00} ) and what I have already paid ( {$3600.00} ). She reluctantly submitted it, while stating it would likely be rejected. This process shows how customers are denied direct access to decision-makers and trapped in an unfair settlement system. TitleMax also forces customers to sign a new pledge contract every month in order to make a payment, restarting the loan as if no payment was ever made. These rollovers make repayment illusory and contradict the intent of the Alabama Title Pledge Act, which requires fair disclosures and prohibits unconscionable practices. On top of this, my vehicle was repossessed and sent straight to auction. When returned, it had damages, including the need for new tires, which I had to replace at my expense. I am requesting that TitleMax apply my payments toward principal, honor my {$720.00} settlement offer and be held accountable for abusive rollover and interest-only practices that regulators have described as unconscionable, abusive, and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
Im disputing a charge-off reported by XXXX  on my credit report. I believe this information is inaccurate and not properly verified. The account was recently updated to charged off, but I have not received any documentation from the creditor to support this status. Im requesting that the CFPB investigate and require XXXX  to provide proof of the debts validity and the accuracy of the charge-off. If they can not verify it, I would like it removed from my credit report under the Fair Credit Reporting Act. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any item that can not be verified must be deleted from my credit report. Since XXXX has not provided proof that this account and charge-off are valid, I am requesting its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
Im disputing a charge-off reported by XXXX  on my credit report. I believe this information is inaccurate and not properly verified. The account was recently updated to charged off, but I have not received any documentation from the creditor to support this status. Im requesting that the CFPB investigate and require XXXX  to provide proof of the debts validity and the accuracy of the charge-off. If they can not verify it, I would like it removed from my credit report under the Fair Credit Reporting Act. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any item that can not be verified must be deleted from my credit report. Since XXXX has not provided proof that this account and charge-off are valid, I am requesting its removal.

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