vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: IN

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 ( 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 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 2025-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
AidAdvantage is stonewalling me about repayment for my student loan discharge. I last spoke to them on XXXX. I have made calls of inquiry every four months since XXXX XXXX 
They owe me a substantial sum of money and they are acting as if I am the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
Complaint Type : Credit Reporting Company : XXXXXXXX XXXX XXXXXXXX XXXX  Credit Bureau Involved : Experian Account # : XXXX Issue : Repeatedly reporting inaccurate and incomplete information despite multiple disputes Details : I am requesting immediate and permanent deletion of a repossession account being inaccurately reported by XXXX XXXX XXXX XXXX  to Experian. 

This account reflects a vehicle that was repossessed in XX/XX/XXXX. My last voluntary payment was made in XX/XX/XXXX. From XX/XX/XXXXXXXX  through XX/XX/XXXX, my employer garnished a total of {$5400.00} from my wages by court order in connection with this account. Despite this, the account is still reported with : A past-due balance of {$7700.00} No record of wage garnishment payments A status of " Closed '' but with derogatory payment history showing post-repossession delinquencies These inaccuracies have remained on my credit report despite multiple formal disputes with Experian. As of today, the account remains materially inaccurate, misleading, and harmful. 

This constitutes a willful violation of : FCRA 623 ( a ) ( 1 ) ( A ) : Failure to report accurate and complete payment history FCRA 607 ( b ) : Failure to maintain maximum possible accuracy FCRA 611 : Failure to conduct a reasonable reinvestigation after dispute If not permanently deleted, I will pursue legal action under FCRA 616 and 617, and seek statutory, actual, and punitive damages. I am also preparing to escalate this matter through private litigation, as Experian and XXXX XXXX XXXX XXXX  have shown a pattern of negligent and reckless reporting.

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 2025-06-23 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:
I'm writing to demand the immediate and permanent removal of a fraudulent account that has been reported under my name and appears on my credit report. This account was opened without my knowledge, consent, or authorizationin other words, it is the result of unauthorized and criminal use of my personal identity. 

Let me be very clear : I did not open this account. I did not apply for it. I have no affiliation with it, and I have never benefited from it in any way. Its presence on my credit report is not only inaccurate but also harmful and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: NY

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary XXXX. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-23 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: FL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NY

Complaint narrative:
My name is XXXX XXXX. My date of birth is XX/XX/year>. my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
They said it was XXXX of XXXX, However, I made 2 payments of {$1600.00} in last 2 weeks ( XX/XX/XXXX & XX/XX/XXXX ) and neither of those payments have been applied although they have been deducted from my account. I bank with my lender so the payment process is normally within 1 business day, but while they've deducted the amount from my account, it has not been applied to my mortgage, so I am at 113 days and counting. I told them about the XXXX payment and they said the lender wants 2 payments. I told her her about the XX/XX/XXXX payment and she said they don't collect electronic payment. So I'm out of {$3200.00} and M & T nor the lender seems to know where it is. I have a record through M & T Scheduled " Pay Bills '' history and a picture of the dashboard where nothing has been applied since XX/XX/XXXX payment and they're counting the days to 120 to file foreclosure. I am in bankruptcy, that M & T got a relief from the stay for, and am going before the Trustee for permission for a loan to stop this, but the problem is since they want to foreclose and not accept payment, they've already decided its done. This should be illegal but no one seems to care. The images below are screenshots proving that I used M & T 's payment system to payment my mortgage to M & T ( XXXX who answers their telephone " welcome to M & T ... '' ) and the dashboard showing no payments applied but the days continue toi count towards foreclosure ... btw, I called them today and got lost into the ether... I got connected with no person speaking I said hello for 1:23 seconds. This is either criminal or extreme incompetence.

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 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: LA

Complaint narrative:
Subject : Cease and Desist Communication Regarding Account XXXX. 
Dear Kick off lending llc I am writing to formally request that you cease and desist all communication with me regarding the alleged debt associated with XXXX XXXX, ACCOUNT NUMBER XXXX. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me. Therefore, this is a formal notice for you to cease all forms of communication with me regarding this matter. This includes, but is not limited to, phone calls, letters, emails, and any other forms of communication. 
Please consider this letter a formal request to stop all communication, unless you can provide written verification of the debt, including the amount owed and the original creditor 's details, or if you intend to pursue legal action. 
Thank you for your immediate attention to this matter. I expect to receive confirmation that you have received and complied with this request within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Account Number XXXX Balance : {$17000.00} Open Date XXXX XXXX, XXXX Inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: United PanAm Financial Corp.
State: SC

Complaint narrative:
XX/XX/year> I am filing this complaint against United Auto Credit due to deceptive and obstructive practices surrounding the repossession of my vehicle. 

I am within my 10-day redemption period and have made multiple attempts to obtain a written reinstatement quote and a copy of my loan agreement/policy. Despite asking repeatedly, I have been told : That reinstatement is not an option ( with no documentation to support it ) That their company does not send receipts when a payment is made That it will take 2448 hours to send me a copy of my own loan policy, which is an unreasonable delay under the circumstances Additionally, I was told that only non-refundable, untraceable payment methods ( like XXXX ) are accepted, and they refuse to provide written confirmation that payment will stop the sale of my vehicle or reinstate my account. 

I believe I am being deliberately stalled or misled in an attempt to force a full payoff or to run out the clock on the 10-day period, which could result in the unlawful sale of my vehicle. I am acting in good faith to resolve this matter and retrieve my car, but the companys refusal to provide timely, written documentation is putting me at financial risk. 

I am requesting regulatory assistance to compel United Auto Credit to : 1. Provide a written reinstatement quote, if applicable under my loan 2. Provide a copy of my original loan/policy documents 3. Allow payment via a secure, traceable method 4. Confirm, in writing, that any payment made will prevent vehicle sale and result in release Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MI

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 1 credit inquiry that I did not authorize. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

INQUIRIES ACCOUNT : TRANSUNION INQUIRY ACCOUNT NAME : XXXX XXXX XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-06-23 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 2025-06-23 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: NJ

Complaint narrative:
I am filing this complaint regarding XXXX XXXX inaccurate and misleading reporting of a deficiency balance after the repossession of my vehicle. 

Following the repossession, I requested a proper accounting of the sale proceeds, which is my legal right. Instead of providing a breakdown showing the gross amount received from the sale and how it was applied to my loan balance, XXXX provided unrelated documents specifically service invoices that I personally paid out-of-pocket. These invoices have nothing to do with the vehicles repossession or the deficiency balance and should not have been used to justify the amount reported to the credit bureaus. 

Further, XXXX withheld a refund I am owed from canceled service contracts ( such as warranty or maintenance plans ), claiming I was not entitled to any refund based on contract terms. However, no specific clause or documentation was provided to support that claim. These service contract refunds should have been credited to reduce the deficiency balance and had they been applied properly, the amount reported to the credit bureaus would be significantly different or potentially eliminated. 

Their failure to : Provide a valid breakdown of the repossession sale ; Accurately calculate the net deficiency balance ; Apply all refunds or credits ; And report accurate information to the credit bureaus ; may constitute violations of the Fair Credit Reporting Act ( FCRA ) and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding XXXX XXXX inaccurate and misleading reporting of a deficiency balance after the repossession of my vehicle. 

Following the repossession, I requested a proper accounting of the sale proceeds, which is my legal right. Instead of providing a breakdown showing the gross amount received from the sale and how it was applied to my loan balance, XXXX provided unrelated documents specifically service invoices that I personally paid out-of-pocket. These invoices have nothing to do with the vehicles repossession or the deficiency balance and should not have been used to justify the amount reported to the credit bureaus. 

Further, XXXX withheld a refund I am owed from canceled service contracts ( such as warranty or maintenance plans ), claiming I was not entitled to any refund based on contract terms. However, no specific clause or documentation was provided to support that claim. These service contract refunds should have been credited to reduce the deficiency balance and had they been applied properly, the amount reported to the credit bureaus would be significantly different or potentially eliminated. 

Their failure to : Provide a valid breakdown of the repossession sale ; Accurately calculate the net deficiency balance ; Apply all refunds or credits ; And report accurate information to the credit bureaus ; may constitute violations of the Fair Credit Reporting Act ( FCRA ) and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

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 2025-06-23 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: IL

Complaint narrative:
There are hard inquiries on my Transunion credit report that I did not authorize. I did not fill out any credit applications. The following hard inquiries are a result of someone misusing my identity without my authorization or consent ; 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 non-monetary relief