vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their 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
Consumer complaint received 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
i am writing to formally file a complaint regarding Upgrade 's continued lack of support surrounding a serious issue involving a check that was mailed to their billing address but allegedly subsequently cashed by another party.

The check in question was made payable to Upgrade and sent to the address listed on my account. It has since been confirmed by the issuing bank that the check was cashed shortly after delivery, and the funds were withdrawn. Despite multiple requests for assistance, from their team which DOES NOT INCLUDE A FRAUD DEPARTMENT I WAS TOLD, has failed to provide any documentation, resolution pathway, or even basic cooperation to help determine how this occurred and who is in possession of these funds.

To date, Upgrade has : Denied responsibility without conducting or sharing the results of any internal investigation.

Refused to provide a statement confirming that the check was not deposited into an Upgrade account.

Failed to provide any written explanation or affidavit for me to supply to the bank.

Refuses to fill out necessary fraud affidavit and notarize it to reissue check and satisfy the debt.

This continued lack of transparency and accountability is unacceptable particularly given that the check was addressed to Upgrade at the address on file, not to a third party or external entity. If this payment was misappropriated or fraudulently deposited, I expect Upgrade to treat the matter with the seriousness it warrants.

Please consider this my formal request to file a claim against Upgrade :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 ( FCBA ) 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 explanation
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a letter stating that my annual income recertification was due, with a deadline of XX/XX/XXXX. It warned that my monthly payment would increase to approximately {$6000.00} if I did not recertify by that date. 

On XX/XX/XXXX, I reviewed my account with MOHELA and found conflicting information : -Under Income-Driven Repayment Plan Details, my recertification date was listed as XX/XX/XXXX. 
-Under Account Alerts, the same recertification date was listed as XX/XX/XXXX. 
Also on XX/XX/XXXX, the Federal Student Aid website stated : -The earliest you could be required to recertify is XX/XX/XXXX. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year.

Despite this, I continued receiving letters from MOHELA threatening that my payment would increase to {$6000.00} unless I submitted a recertification.

I attempted to call MOHELA multiple times for clarification, but was never able to speak to a representativewait times would extend through the end of the business day, and I would be dropped from the callback queue without resolution. Without any confirmation that my recertification had truly been deferredas both the Department of Education and MOHELA 's own communications suggestedit felt unsafe to wait. I was forced to recertify on XX/XX/XXXX under pressure and out of fear of a massive payment increase and possible delinquency. 

On XX/XX/XXXX, I received another letter indicating I would be moved from the REPAYE plan to the new SAVE plan. That letter again stated : The earliest you could be required to recertify is six months after XX/XX/XXXX. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. 

Further, in correspondence dated XX/XX/XXXX, I was finally told that the Department of Education had officially extended the requirement for IDR recertification and that my lower payment amount would continue. It stated : Recertification of your IDR plan will not be needed until sometime after XX/XX/XXXX. 

This entire situation was caused by inaccurate, contradictory, and misleading communication by MOHELA. The confusion and fear they created forced me to submit a recertification I should not have had to do. I am therefore requesting that this premature recertification be rescinded, and that my monthly payment be reverted to the amount it would have been had MOHELA followed the stated federal guidelines and accurately conveyed my recertification timeline.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-15 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
My XXXX XXXX XXXX was totaled in XX/XX/XXXX. My insurance company communicated with XXXX XXXX XXXX and submitted the required check to pay off the vehicle in XXXX of XXXX XXXX I went to apply for a loan and was denied due to XXXX XXXX XXXX XXXX XXXX collection debt of {$180.00} for the XXXX XXXX XXXX XXXX I contacted XXXX and was notified by a representative that they received a bill for {$180.00} from the vehicle appraisal company. I contacted the adjustor who handled my claim and was notified that the document was not a bill, but a copy of the adjustor 's findings, the bill was paid by my insurance company and was for XXXX XXXX XXXX XXXX. Not a bill needing to be paid. I have sent proof of said document to XXXX XXXX XXXX along with the 3 credit bureaus., XXXX is the only agency who refuses to remove the inaccurate 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 2025-07-15 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: NC

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX, Experian, Equifax, and TransUnion for their continued failure to accurately report my account information despite my formal disputes. 

Specifically, XXXX XXXX has failed to properly update the account status and remarks on my credit file, which falsely shows a charge-off or derogatory condition, even though the account has been paid or settled. This misreporting violates the Fair Credit Reporting Act ( FCRA ), including sections 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ), which require accurate reporting and reinvestigation.

Additionally, all three credit bureaus are in violation of Metro 2 data furnishing standards by accepting and continuing to report incorrect status codes, balance information, and failing to mark the account as disputed using Compliance Code " XB. '' These inaccuracies have negatively affected my credit score and resulted in the denial of credit opportunities. I request that the Consumer Financial Protection Bureau investigate this matter and compel full compliance, including immediate correction or deletion of the inaccurate 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 2025-07-15 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-07-15 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:
These accounts are unfamiliar to me and appear to be fraudulent. I ask that you conduct a thorough investigation and delete them from my credit file. Relevant documents are enclosed.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
no new reinvestigation was done, or no evidence was provided.They acknowledged the complaint regarding an inaccurate item on my credit report. The item in question : XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: KS

Complaint narrative:
This repo is from XX/XX/XXXX. It is being reported every month as a new repo and is impacting my credit negatively. It also is showing as a charge off and not a repossession and I never got the 1099-c. I tried disputing this with Experian XXXX of XXXX and all they did was update the account as of XX/XX/XXXX which has made the date of how long it will be on my credit report start over to add more time. When I asked Experian to show proof of investigation into my claims they couldn't provide me with any as to who they contacted when they contacted or what they advised on the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am submitting this complaint because multiple consumer reporting agencies are reporting a sealed eviction case on my record, despite it being court-ordered sealed. This is a violation of the Fair Credit Reporting Act and applicable state laws governing sealed court records. 

The eviction in question was officially sealed by court order on and therefore, it should not appear in any consumer reports, tenant screening reports, or public records accessed by third parties. 

Despite this, the sealed eviction is still : Appearing on my credit and/or tenant screening reports, Showing an outstanding balance, Being shared with potential landlords and property managers as public record. 

This has caused repeated housing denials, emotional distress, and serious reputational damage. I have contacted the companies involved, but the sealed information remains visible and continues to be illegally distributed. 

I am requesting : XXXX. Immediate removal of the sealed eviction from all reports. 
XXXX. A written letter confirming that the eviction was removed due to it being court-ordered sealed, which I can provide to rental properties to correct their records. 
XXXX. An investigation into the consumer reporting agencies that continue to share or display sealed information in violation of privacy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX ACCOUNTS : 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 : {$4100.00XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00}

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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 30 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AXOS FINANCIAL, INC.
State: GA

Complaint narrative:
I have been a long-time user of XXXX, and recently called my card issuer to check my balance. A representative informed me that fraudulent transactions had been occurring on my account for years. I was advised to report the charges and file disputes, which I did. 

However, in order to continue disputing the full scope of fraudulent charges ( more than 200 transactions ), I requested my complete transaction history.

Instead of providing accurate records, the company sent me an altered statement showing XXXX transactions and no funds in the account which is factually and historically inaccurate. This appears to be an intentional act to prevent me from exercising my rights to dispute fraudulent charges.

I believe this is a violation of my consumer rights under : The Fair Credit Billing Act ( FCBA ) The Truth in Lending Act ( TILA ) Potentially the Electronic Fund Transfer Act ( EFTA ) The company is obstructing the dispute process and potentially aiding those who committed fraud by withholding or falsifying information.

What I want : 1. Immediate and complete access to my original, unaltered transaction history for all account activity 2. A full and fair investigation into all disputed charges 3. Accountability for the companys failure to comply with federal consumer protection laws

Company response to consumer: Closed with explanation