vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: NY

Complaint narrative:
My loan servicer is ED Financial Services, My account number is : XXXX. 
I currently have about in student loan balance {$280000.00}. I submitted my application to change from SAVE to PAYE on XX/XX/2025, however I have not received any updates. And it is now in XXXX. I contacted my servicer multiple times- I was given no answers or updates in time line. I am still in a limbo. I really would appreciate any help you can provide to help me solve this issue. My servicer contact info is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: PA

Complaint narrative:
First digital credit card company is trying charge me a late fee I spoke with XXXX his badge number is ( XXXX ) supervisor. They submitted a ticket to reverse the late fee which should not have been charged due to FCRA guidelines 10 day grace period which regulates these companies. It is unfair that now XXXX said they are charging me {$82.00} for something that was not due. They have no reason to charge these payments to my credit account due to the fact that I was never late on making a payment. For the record they are trying to scam me out of {$80.00} dollars and are saying my payment was not processed which Is a lie. XXXX stated that the payment was never processed but I am submitting proof that it was and that it processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
I am requesting the immediate removal of a closed XXXX XXXX XXXX XXXX  account ( ending in XXXX ) due to inaccurate, outdated, and damaging reporting. 

This account was settled in full, with {$420.00} written off, and shows as closed as of XX/XX/year>. Despite this, XXXX XXXX continues to report it as a charge-off ( CO ) for XXXX consecutive months, including well after resolution. 

I have already filed a dispute with Experian, and they failed to properly correct or remove the negative remarks. This violates the Fair Credit Reporting Act ( FCRA ), which requires data furnishers to only report accurate, complete, and up-to-date information. 

This prolonged CO reporting is : Misleading and damaging to my credit A form of re-aging the account through repetitive derogatory marks Punitive, given that the debt was already resolved I was not notified of these continuous CO entries. The FCRA ( Section 611 & 623 ) gives me the right to accurate reporting, and this account does not meet that standard. 

I am requesting : Immediate removal of the entire tradeline from all XXXX credit bureaus Please hold XXXX XXXX accountable for fair reporting practices and help ensure my credit file reflects accurate and lawful information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
I am requesting the immediate removal of a closed XXXX XXXX XXXX XXXX  account ( ending in XXXX ) due to inaccurate, outdated, and damaging reporting. 

This account was settled in full, with {$420.00} written off, and shows as closed as of XX/XX/year>. Despite this, XXXX XXXX continues to report it as a charge-off ( CO ) for XXXX consecutive months, including well after resolution. 

I have already filed a dispute with Experian, and they failed to properly correct or remove the negative remarks. This violates the Fair Credit Reporting Act ( FCRA ), which requires data furnishers to only report accurate, complete, and up-to-date information. 

This prolonged CO reporting is : Misleading and damaging to my credit A form of re-aging the account through repetitive derogatory marks Punitive, given that the debt was already resolved I was not notified of these continuous CO entries. The FCRA ( Section 611 & 623 ) gives me the right to accurate reporting, and this account does not meet that standard. 

I am requesting : Immediate removal of the entire tradeline from all XXXX credit bureaus Please hold XXXX XXXX accountable for fair reporting practices and help ensure my credit file reflects accurate and lawful 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 2025-06-28 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: GA

Complaint narrative:
CFPB Complaint FCRA Violations ( Sections 605C, 605B, 607, 611 ) Subject : TransUnion LLC Consumer Dispute Center, Equifax and LCI Consumer Center Failure to Honor Human Trafficking Documentation Request for Immediate Correction and Removal Nature of Complaint : I am submitting a formal complaint against TransUnion LLC Consumer Dispute Center, Equifax, and LCI Consumer Center Equifax Information Services LLC for failure to process my request for removal of adverse information related to confirmed human trafficking, in violation of the Fair Credit Reporting Act ( FCRA ), Section 605C and associated federal regulations under 12 C.F.R. 1022.142.

Despite submitting a properly completed and signed FCRA 605C Self-Attestation Form, along with documentation from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax claimed that proper documentation was not provided. This is false and inaccurate. 

Submitted Documentation Included : Self-Attestation Form ( FCRA 605C ) signed and dated Letter from XXXX XXXX XXXX Deputy Chief Assistant District Attorney, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Identity Theft Reports ( IDs : XXXX and XXXX ) Police Report # XXXX documenting labor trafficking and fraud Evidence of financial harm, including returned fraudulent checks totaling {$4600.00} Security freezes in place with XXXX, XXXX, and XXXX Multiple change-of-address and dark web alerts ( indicators of identity fraud and trafficking-related manipulation ) Equifax 's TransUnion LLC Consumer Dispute Center, Equifax and LCI Consumer Center failure to recognize the legitimacy of my government-issued trafficking documentation and their refusal to remove the affected accounts directly violates : FCRA 605C Failure to block and remove adverse information for victims of trafficking FCRA 605B Failure to block identity theft-related information FCRA 607 ( b ) Failure to maintain maximum accuracy FCRA 611 ( a ) Failure to reinvestigate disputed accounts FCRA 611 ( a ) ( 7 ) Failure to provide Method of Verification when requested Specific Item in Dispute : XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Reported ONLY on Equifax ( not found on TransUnion or Experian ) Balance : {$130000.00} Status : Open despite showing XXXX XXXX past due No credit limit reported, which contradicts a high balance Indicates a likely file merge error, fraudulent origin, or misreporting Equifaxs Response ( Dated XX/XX/year> ) : Equifax claimed that required documentation was missing, despite all required items being submitted and acknowledged through the CFPB portal and previous Equifax communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am writing about a charged-off account with GS BANK USA .

The account was charged off on XX/XX/XXXX. I understand that a charge-off means the creditor has written the debt off as a loss. Given my inability to pay this debt, I formally requested that the creditor confirm if the debt had been canceled and issue a 1099-C Cancellation of Debt form so I could accurately report any potential canceled debt income on my taxes. 

Despite my written request ( sent on XX/XX/XXXX ), the creditor has failed to respond at all. I have received no explanation or decision about my request. 

I am a consumer trying to clarify whether this debt has been forgiven or is still being collected, and whether there are tax implications I must report to the IRS. Their refusal to provide clear information prevents me from fulfilling my tax obligations or making informed decisions about repayment or settlement. 

I am requesting that GS BANK USA be required to respond in writing and clarify : 1. Whether the charged-off account has been formally canceled or discharged in full or in part.

2. Whether they will issue a 1099-C for any canceled amount.

3. If they will not issue a 1099-C, a clear explanation of why the charged-off balance is still being pursued for collection. 

I want to resolve this in good faith and need their cooperation to understand my obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: SC

Complaint narrative:
After reviewing my credit report I have notice that I have fraudulent accounts listed on my credit reports. I have been a victim of identity theft. The negative accounts have hurt my ability to obtain new credit. Please remove the negative collections/ accounts from my credit report.

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 2025-06-29 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: SC

Complaint narrative:
After reviewing my credit report I have notice that I have fraudulent accounts listed on my credit reports. I have been a victim of identity theft. The negative accounts have hurt my ability to obtain new credit. Please remove the negative collections/ accounts from my credit report.

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 2025-06-29 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:
XXXX consumer. I am submitting this notice under oath to inform you that there are material misstatements and unauthorized trade lines on my consumer reports resulting from Equifax XXXX XXXX ( XXXX XXXX. XXXX ). These trade lines were reported as a result of identity theft, and the placement of this materially false information violates my rights under the following federal laws : 15 U.S.C. 7001 ( c ) ( ESIGN Act ) 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681a ( 2 ) ( xi ) ( Late Payments ) 15 U.S.C. 1681i ( Procedures for Disputed Accuracy ) 15 U.S.C. 1681s2 ( Furnishers Responsibilities to Consumer Reporting Agencies ) 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( 5 ) ( a ) ( Accuracy Standards ) 15 U.S.C. 1681i ( 7 ) ( Verification Requirements ) According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c2 ( a ), credit agencies must remove information obtained through identity theft once they get an appropriate report. I believe that the entries below on my credit report are outdated, time barred, fraudulent and made through unfair means : A. Fraudulent : XXXX XXXX : Balance : {$4200.00} : Opened : XX/XX/XXXXXXXX XXXX Fraudulent : XXXX XXXX : Balance : {$4000.00} : Opened : XXXX XXXX Fraudulent : XXXX XXXX XXXX  : {$300.00} : Opened : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This {$170.00} XXXX XXXX account has been removed and reinserted on my credit report multiple times over the last 23 years, each time under a different collection agency name. 

These reinsertions were made without notice, in clear violation of FCRA 611 ( a ) ( 5 ) ( B ), which requires the credit bureau to notify the consumer within five business days of reinsertion. That has never happened. 

Most recently, this account was reinserted on XX/XX/2025, by TransUnion and Experian, without prior notice or validation. XXXX  has not re-reported the account, exposing further inconsistency and unreliability in the data. 

I have never received certification or verification from any bureau. About a year ago, I contacted TransUnion concerning the reinsertion, but they refused to provide any information. They also refused to remove it again. This practice of re-reporting the same debt under new names is not just a technical failureit is credit harassment and a repeated abuse of the dispute process. 

These actions are causing me ongoing financial harm, dropped credit scores, and a paper trail of false reporting that should have been stopped years ago.

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 2025-06-28 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: MD

Complaint narrative:
Whom It May Concern : I am writing to formally dispute the reporting and status of XXXX XXXX XXXX XXXX  account # XXXX XXXX. 
After reviewing my credit file, I have determined that the information being reported is unverifiable, inaccurate, outdated, and incomplete, which violates my rights under federal law. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that all information furnished about me is reported with maximum possible accuracy ( 1681e ( b ) ) and that any disputed information must be fully investigated ( 1681i ) and removed if it can not be verified. 
Additionally, as this is an open-end credit account, I am exercising my rights under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 and 1666b, which require you to : - Promptly investigate any billing errors I dispute, in good faith and within XXXX complete billing cycles ( but not more than XXXX XXXX  ) ; - Provide documented evidence that verifies the accuracy and completeness of this account as reported ; - Correct any errors found ; and - Ensure payments are applied timely to avoid inaccurate late fees, interest, or delinquency reporting. 
DEMAND FOR PERMANENT DELETION : Unless you can provide complete, documented verification that this account is XXXX XXXX  accurate, valid, current, and complete, you must immediately request its permanent deletion from any and all consumer reporting agencies you furnish data to. Failure to comply will constitute further violations of FCRA 1681s-2, 1681i, and FCBA 1666, exposing you to potential legal liability.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Whom It May Concern : I am writing to formally dispute the reporting and status of XXXX XXXX XXXX XXXX  account # XXXX XXXX. 
After reviewing my credit file, I have determined that the information being reported is unverifiable, inaccurate, outdated, and incomplete, which violates my rights under federal law. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that all information furnished about me is reported with maximum possible accuracy ( 1681e ( b ) ) and that any disputed information must be fully investigated ( 1681i ) and removed if it can not be verified. 
Additionally, as this is an open-end credit account, I am exercising my rights under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 and 1666b, which require you to : - Promptly investigate any billing errors I dispute, in good faith and within XXXX complete billing cycles ( but not more than XXXX XXXX ) ; - Provide documented evidence that verifies the accuracy and completeness of this account as reported ; - Correct any errors found ; and - Ensure payments are applied timely to avoid inaccurate late fees, interest, or delinquency reporting. 
DEMAND FOR PERMANENT DELETION : Unless you can provide complete, documented verification that this account is XXXX XXXX accurate, valid, current, and complete, you must immediately request its permanent deletion from any and all consumer reporting agencies you furnish data to. Failure to comply will constitute further violations of FCRA 1681s-2, 1681i, and FCBA 1666, exposing you to potential legal liability.

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 2025-06-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief