vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized st
atement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure. 4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MS

Complaint narrative:
On XX/XX/XXXX, I submitted a consolidation request with AidVantage. Around XX/XX/XXXX, my loan was consolidated with the Department of Education. Immediately, after consolidation, my loans were placed on a standard payment plan, instead of the plan I requested. 

For months, I struggled with my loan servicer to place me under the XXXX plan, although I qualified for that plan. I was placed on the XXXX plan on XX/XX/XXXX. Please see the letter attachment labeled XXXX XXXX XXXX. A few days later, I was placed on administrative forbearance for the borrower 's defense without my permission. Please see the attachment labeled Aidvantage Borrower 's Defense. 

I informed Aidvantage, I would continue making payments and did not want to be placed on an administrative forbearance. Aidvantage illegally placed me on an administrative forbearance without my permission under the borrower 's defense. I notified the customer advocate verbally and in writing that I did not want to be placed on an administrative forbearance for Borrower 's Defense. 

Before the scheduled payments to begin, around XX/XX/XXXX, the Supreme Court issued a pause on the XXXX plan and XXXX-interest ruling. According to the Aidvantage website, I am under administrative forbearance under the XXXX plan, for which XXXX interest should accrue, under the courts ' pause on this plan since XX/XX/XXXX. 

However, Aidvantage has continued to accrue interest to date ; to date, the servicer has accrued almost {$23000.00} in interest. The Servicer has refused to fix this issue, although I have attempted to resolve this issue several times. Please see the interest report from the credit report labeled XXXX  and Aidvantage, all loans. 

The servicer is adding the interest directly to the loan instead of showing the original loan and interest to conceal that they are accruing interest on the loan against the court 's ruling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I deny any affiliation with these accounts and believe they result from fraudulent activity. Kindly investigate and eliminate them from my credit record. Attached are supporting materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: EdFinancial Services
State: PA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections.Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security XXXX XXXX XXXX. And unauthorized disclosure to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I sent a timely debt validation request via certified mail to National Credit Systems Inc. pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, demanding full verification of an alleged rental debt of {$14000.00}. This request included an itemized account statement, the original lease agreement, proof of assignment or transfer of the debt, and evidence of the agencys legal authority to collect. Certified mail tracking confirms receipt by National Credit Systems on XX/XX/year> ; however, they have failed to provide any response or validation. 

Despite this failure, National Credit Systems has continued to report this disputed debt to the credit reporting agencies and rejected my credit dispute, violating both the FDCPA ( 15 U.S.C. 1692e, 1692g ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires proper investigation of disputed information. Additionally, as a resident of XXXX, Georgia, I reference XXXX. XXXX regarding statute of limitations, as no valid claim has been substantiated. 

I demand immediate removal of this inaccurate tradeline from all my credit reports and cessation of all collection activity until proper validation is provided in compliance with federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I attempted to use my cash rewards card on a site called XXXX. I tried multiple times but the transactions were not credited and I did not receive the digital products. The next day I found that my card had been charged for multiple transactions of XXXX. I emailed the merchant and the merchant acknowledged that the transactions did not go through on their end so they could not refund me since they said they did not get the money. So I disputed the transactions with Navy Federal and included the email acknowledgment for the merchant. After investigation navy federal said that I received the products but I know I did not and the merchant acknowledged that. They removed my provisional credits and are holding me responsible. I have attached a screenshot of the error message I kept getting while attempting my purchase, my initial email asking for a merchant refund, and the merchant reply saying the transactions did not go through on their end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MI

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
This formal complaint references accuracy and legality of the account reported by Aldous & Associates, account number XXXX. The debt collector reported this account to the credit bureaus on XX/XX/year>, which was before I received their written notice dated XX/XX/year>. This constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires that I be provided with written notice and given 30 days to dispute the debt before any further collection actions are takenincluding credit reporting. 
Additionally, I exercised my right to dispute the debt in writing on XX/XX/year>, yet the collector had already furnished the account to the credit bureaus. Although the account currently reflects a dispute remark, the original reporting itself was premature and unlawful. This also raises serious compliance concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires data furnishers to report only accurate and legally obtained information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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 am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX - XXXX XXXX  XXXX  - XXXX XXXX XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm.

These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts 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 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Sc XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX RE : Account # ( Fill in Account Number ) To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following Violation of the Fair Debt Collection Practices Act I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
XXXX XXXX Installment account with account XXXX XXXX  opened on XX/XX/year> and a balance of {$0.00}. 
This account is incorrectly reporting that I have 9 late payments. On my XXXX report there are XXXX late payments being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I contacted Synchrony Bank to pay balance, call routed to collections department where I spoke with representative. Advised I would like to pay remaining balance of {$130.00}. He advised the balance was now over {$240.00} due to interest. I explained I was confused why I am being charge interest on a closed account. I requested to speak to a manager, spoke with XXXX XXXX XXXX ref # XXXX ) asked if interest could be removed, which he removed one interest of {$41.00} bringing my balance to {$170.00}. I asked, once I pai this amount the account balance will be {$0.00} no future balance due. XXXX stated, correct. Paid {$170.00} on XX/XX/XXXX at XXXX. As of XX/XX/XXXX, I received an email stating I had a balance of {$5.00}. I called Synchrony spoke with XXXX ( Collections Account Manager ) who informed me I do not have a balance, {$5.00} is interest amount owed. I asked how am I being charge on an account that is closed with a {$0.00} balance. She stated, the system generated the interest due to payment was processed on XX/XX/year>. I asked if this interest could be removed since my account is closed so I do not receive any more bills ; she told me she was unable to remove the {$5.00} balance. I asked if I paid {$5.00} would this stop bills from generating ; she stated no, most likely I will have another interest charge of $ XXXX dollars next month. I asked if I could pay the amount she stated, I could only pay the balance of {$5.00} and would have to wait until next month to see the interest amount owed. At this point, I believe this is a unethical and illegal tactic they are using to keep customers paying interest on closed accounts. I would like an investigation to be started into the collection practice, I want this issue to be resolved with Synchrony Bank. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to 15 U.S.C. 1681B a credit inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. The following inquiries were not authorized by me, and I request that they be removed from my credit report immediately : XXXX XXXX XX/XX/year> 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 2025-07-30 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: MO

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/year> I was approached by three men who claimed to volunteer for the neighborhood watch. They told me they were raising money for the funeral service of a XXXX year old killed in a hit and run accident. 
I offered them cash and they insisted on using tap-to-pay. I said I would give them ten dollars, but they rung me up for {$4000.00} without notifying or showing me, which I realized later. 

Upon realizing that I was charged {$4000.00}, I cancelled my card, filed a dispute with PNC ( the company I bank with ), and filed a police report. This dispute was denied ( and I never received mail informing me it was denied, I had to call to check ) and I filed a second dispute just in case I filed the first one wrong. This dispute was also denied ( I once again had to call to confirm this ). I was never offered provisional credit for either dispute and upon me escalating the situation and trying to appeal the dispute, I was told that the second dispute was denied as a matter of policy, as I had said that the card was on me at the time ( which they said makes me liable ). For the first dispute, I was told that it was denied because of a specific federal regulation ( I am unsure of the regulation cited, but I am sure they will provide it ). 

The situation is very reminiscent of other tap to pay scam stories that have been popping up on the news ( for example XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-30 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: OH

Complaint narrative:
XXXX  negligently failed to respond to my dispute letter by law with proper investigation.

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