vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: CA

Complaint narrative:
To : EdFinancial Services Attn : XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Formal Demand for Investigation, Validation & Deletion of Account FERPA, FCRA, TILA, Privacy & UCC Violations Account Number : XXXX Dear EdFinancial Compliance Department, This letter serves as a formal notice and demand requiring you to immediately delete the above-referenced account due to significant inaccuracies, unlawful furnishing, and violations of federal consumer protection and education privacy laws. 
As the furnisher, you are legally obligated to maintain strict accuracy, lawful data handling, and proper investigation procedures under federal law. 
ACCOUNT IN DISPUTE EDFINANCIAL SERVICES Account Number : XXXX Account Type : Education Loan Current Balance Reported : {$18000.00} Past Due Amount : {$2300.00} Reported Late Payments : XXXX  Last Payment Date : XX/XX/XXXX Date Opened : XX/XX/XXXX VIOLATIONS IDENTIFIED 1. FERPA Violations Unauthorized Disclosure of Educational Loan Data Educational loan information is protected under FERPA, and your firm is prohibited from disclosing, reporting, or furnishing student financial data without documented borrower authorization. No such authorization has been provided. 
2. FCRA Permissible Purpose Violations 15 U.S.C. 1681b ( a ) ( 2 ) You have not demonstrated a permissible purpose to furnish this data. Furnishing student financial records without written consent violates federal law. 
3. FCRA Furnisher Violations 15 U.S.C. 1681s-2 You have failed in your duties by reporting : Outdated and inconsistent payment activity ( XXXX ) Unverified late payments Inconsistent balance and past-due reporting 4. Truth in Lending Act ( TILA ) Violations Required disclosures about principal, interest, updated payment calculations, and current terms have not been provided as required. 
5. Consumer Privacy Law Violations Your company continues to process and distribute personal educational loan data without proof of authorization or permissible purpose.

6. XXXX Contract Violations You have not provided : The original signed contract / promissory note Chain of title or servicing rights Proof that you maintain lawful ownership or authority to report this account FORMAL DEMANDS As required by federal law, you must : 1. Cease reporting this account immediately Pending complete validation and investigation.

2. Provide the following within XXXX  days : Full debt validation Original signed contract All payment histories, interest disclosures, and calculations All servicing transfers or assignment documentation A FERPA-compliant written authorization form Written evidence of permissible purpose under FCRA 1681b ( a ) ( 2 ) 3. Delete this account entirely If you are unable to legally validate or substantiate any portion of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the following accounts and inquiries on my credit report. These items are inaccurate or incomplete, and I request a thorough investigation into these discrepancies to ensure the accuracy and compliance of my credit report. 

CHARGED OFF : 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 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 explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am being pursued for a {$93.00} debt by a collection agency on behalf of a telecommunications provider for a wireless service I never activated or used. 
Timeline of Events : XX/XX/year> : I placed an order at a retail electronics store for a smartphone with wireless service included. 
XX/XX/year> : The entire order was canceled by the retail store, including the wireless service component, BEFORE any device was picked up or service was activated. I have written confirmation of this cancellation. 
XX/XX/year> : I received a collection letter claiming I owed {$93.00} to the wireless provider for account activation fees and service charges. 
XX/XX/year> : I sent a formal dispute letter via certified mail to the collection agency, citing my rights under the Fair Debt Collection Practices Act. I requested debt validation and cessation of collection activity until the debt could be validated. 
XX/XX/year> : The collection agency received my dispute letter, confirmed via certified mail tracking. 
I included documentation showing the wireless service was canceled on XX/XX/year>, before any device pickup or service activation occurred. 
Why This Debt Is Invalid : The retail order was canceled on XX/XX/year>, before any device was received or service was activated. I never received a device, never activated service, and never used any wireless service. The wireless provider is charging me for activation fees and monthly service that was never provided or used. 
Actions Taken : I properly disputed this debt within the required timeframe, provided documentation proving the cancellation, and requested validation under FDCPA. Despite this, the collection agency and wireless provider have not adequately responded or removed this invalid debt. 
Impact : This invalid debt has caused my credit score to drop XXXX points ( from XXXX to XXXX ), causing significant financial harm for a debt I do not legitimately owe. 
What I Am Requesting : This debt be removed entirely as it is not valid Any negative reporting to credit bureaus be corrected immediately Written confirmation that this matter is resolved and will not affect my credit Cessation of all collection activity I have documentation supporting all of these facts, including the cancellation confirmation, collection letter, my dispute letter, and certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/25 Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account number XXXX Dear Jefferson Capital Systems LLC, I am responding to your contact about a debt you are attempting to collect. You contacted me by phone/ mail, on XX/XX/25. You identified the debt as XXXX " an old credit card debt with Original Creditor. 

Please stop all communication with me and with this address about this debt, except for sending me a single written notice : To inform me that their further collection efforts are being terminated ; or To notify me that they or the original creditor intend to invoke a specified legal remedy, such as filing a lawsuit. 
Any further contact in violation of this notice will be recorded and reported to the proper authorities, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-08 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: EQUIFAX, INC.
State: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
ChexSystems obtained my personal data without my consent, which constitutes an unlawful action, and has subsequently disclosed or sold my personal information to multiple third parties.

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 2025-12-08 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Complaint Against : Synchrony Bank ( Synchrony eBay Mastercard ) Summary of Problem : Synchrony Bank failed to properly open a dispute for a misrepresented product purchased on XXXX. I received a letter from Synchrony with no dispute case ID, and phone representatives refused to provide a claim number, preventing me from exercising my rights under the Fair Credit Billing Act ( FCBA ). 

Full Description : I used my XXXX XXXX to purchase a XXXX XXXX receiver on XXXX. The item was explicitly advertised as brand new. All new XXXXXXXX XXXX models include a XXXX manufacturer warranty, which is a material part of the products value. 

After receiving the item, XXXX informed me in writing that the serial number is NOT eligible for warranty, meaning the item was not new and was not as described by the seller. This qualifies as a billing error under the Fair Credit Billing Act Goods Not as Described. 

I contacted Synchrony to open a dispute. The representative claimed a letter would be sent with a dispute ID. I received the letter, but it contained no dispute or claim ID, and no dispute appears to have been created in their system. 

When I called back, Synchrony failed to : Provide a claim ID number Properly open an FCBA dispute Classify the claim under Goods Not as Described Inform me how to submit supporting documents Acknowledge that FCBA requires written confirmation and an investigation Synchronys failure to create a dispute case number prevents me from exercising my rights and obstructs the FCBA dispute process. 

This situation needs regulatory intervention so that : Synchrony opens a formal dispute with a verifiable case ID Synchrony accepts supporting evidence including : Sonys warranty rejection letter The XXXX listing advertising the item as new Proof of purchase My payment breakdown Synchrony investigates under FCBA guidelines Synchrony provides written communication and proper handling within required timeframes Disputed Amount : {$2300.00} Resolution I Am Requesting : Immediate creation of a formal dispute case ID Proper FCBA investigation of the transaction as Goods Not as Described Written acknowledgment of the dispute Chargeback or credit for the misrepresented item if the seller does not prove authenticity I am requesting CFPB oversight because Synchrony is not following required FCBA procedures and has obstructed my ability to dispute this billing error.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
To whom it may concern : My Name is XXXX XXXX and I submitted a transfer online from XXXX account ( XXXX Bank ) into my primary checking account with USAA. I have done this for many years, and have been a USAA customer for over XXXX  years. I made the transfer on Friday XXXX XXXX, and what happens typically is the deposit shows up in my USAA checking account the moment the transfer is made. 

This time, however, a XXXX hold was placed on the transfer. I called USAA on Friday to discuss, and the woman said there is nothing she could do on the day of the transfer, but to call back on Saturday, XXXX XXXX, which I did. That woman also acknowledged that it " made no sense '' and was " unusual. '' I called USAA again on Saturday, and had to be transfered to a case XXXX ( after a XXXX minue wait on the phone ) and finally spoke with XXXX ( USAA Badge No. XXXX ), who also would not disclose why an XXXX hold had been placed on a routine transfer that I have done for years. 

This is totally unacceptable for a routine transfer of {$2000.00}, way under the daily deposit limit of {$5000.00} as stated by USAA>

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 2025-12-08 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: TX

Complaint narrative:
I deny any involvement in these accounts and request their removal within XX/XX/XXXXdays following FCRA policy.

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 2025-12-08 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XX/XX/XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
Over a period of several months, the bank placed extended holds of XXXX to XXXX weeks on all business checks I deposited, including legitimate client payments. During these holds, my account continued to process normal automatic business payments. 

Because the deposited funds were not made available in a reasonable timeframe, these payments were processed against an unavailable balance, resulting in overdraft fees. Between XXXX and XX/XX/year>, overdraft fees totaling {$660.00} were charged. 

I contacted customer service multiple times to resolve this issue. In my most recent interaction, customer service acknowledged that the overdraft fees were caused by the banks deposit hold practices and informed me that the fees would be refunded. However, no refund was issued. 

After following up again, customer service directed me to the branch XXXX. The branch XXXX stated that he could not approve the refund that customer service had indicated and offered only a small partial refund, which did not reasonably address the fees charged. 

I was also informed that deposits made through mobile or online banking are routinely held for XXXX to XXXX weeks and that the only way to avoid such holds is to physically visit the branch for each deposit. Over several months, I repeatedly had to go to the branch to request release of funds, resulting in significant time loss. 

These overdraft fees were not caused by misuse of the account but by extended deposit holds imposed by the bank.

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 monetary relief
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because Experian is reporting multiple accounts, inquiries, and late payments that are inaccurate, incomplete, or unverifiable. I have previously disputed these items directly with Experian, but they were not properly investigated as required by the FCRA. 
Charged-Off I dispute the accuracy and ownership of the following charged-off accounts. Experian has not provided verification or documentation showing these accounts are being reported correctly : XXXX Acct : XXXXXX/XX/XXXXOpened XX/XX/XXXX Reported Balance : {$0.00} XXXX XXXX Acct : XXXXXX/XX/XXXXOpened XX/XX/XXXX Balance : {$130.00} XXXX Acct : XXXXXX/XX/XXXX Opened XX/XX/XXXX Balance : {$0.00}XX/XX/XXXX Acct : XXXXXX/XX/XXXXOpened XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX Acct : XXXXXX/XX/XXXXOpened XX/XX/XXXX Balance : {$1600.00}XX/XX/XXXX Acct : XXXXXX/XX/XXXX Opened XX/XX/XXXX Balance : {$1600.00} XXXXXX/XX/XXXX Acct : XXXXXX/XX/XXXX Opened XX/XX/XXXX Balance : {$720.00} XXXX Bank Acct XXXX XXXXXX/XX/XXXX Opened XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Acct XXXX XXXXXX/XX/XXXX Opened XX/XX/XXXX Balance : {$510.00}XX/XX/XXXX Acct : XXXXXX/XX/XXXXOpened XX/XX/XXXX Balance : {$4300.00} XX/XX/XXXX Acct : XXXXXX/XX/XXXX Opened XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX Acct : XXXXXX/XX/XXXXOpened XX/XX/XXXX Balance : {$0.00} XXXXXX/XX/XXXX Acct : XXXXXX/XX/XXXXOpened XX/XX/XXXX Balance : {$1500.00} These accounts contain inconsistent dates, balances, and statuses across bureaus, showing they are being reported inaccurately. 

XXXX. Inquiries ( Experian ) I am disputing the following inquiries because I do not recall authorizing them, and Experian has not provided proof of permissible purpose : XXXX XX/XX/XXXXXXXX of XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I request verification of signed authorization or removal. 

XXXX. Late Payments ( Experian ) Experian is reporting late payments that I dispute as inaccurate or unverified : XX/XX/XXXXXXXX Acct : XXXXXX/XX/XXXXXXXX XXXX Acct : XXXXXX/XX/XXXXXXXX & XXXX Bank Acct : XXXXXX/XX/XXXXXXXX XXXX Acct : XXXXXX/XX/XXXXThese late payments are not consistent with my records and have not been validated.

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 2025-12-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This false report negatively impacts my record. Kindly investigate and update my file with accurate 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 2025-12-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please consider this my formal request for the deletion of the referenced accounts. I did not authorize them, and they appear fraudulent. Supporting documentation is attached for verification.

Company response to consumer: Closed with explanation