vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
I had no idea I had a student loan payment due. I did an income loan driven repayment on Fed loan and was given a XXXX payment. I continued monitoring on and off the Fed loan account and seen nowhere it said I had a payment due. I received no notification by mail the only reason I found that I was behind was I was checking my bank account and seen a drop in my credit score over XXXX points. I had a XXXX  credit rating on payments made on time and now I have a XXXX I have worked hard to make payments on time to get the score I have and to not be notified sufficiently is not right. Upon looking into if anyone else has had this problem it was published in XXXX XXXX and many online forums that many borrows including myself truly had no idea until their credit score dropped drastically. I am just sick to my stomach with anxiety about this situation. I want my credit score to be put back in good standing. I have worked with Aidvantage my loan company and they were able to make me current however they can not reach out they stated to the credit beau to fix what being delinquent unknowingly, which has ruined my credit score. I feel this is completely unjust and I am asking that this be fixed. Only correspondence made was by email which I had not seen due to the email looking like spam I get several emails a day and do not typically review everyone of them in fear I will open up a virus and this email looked like a hundreds of other junk emails I get daily. Please someone help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: WI

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-20 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: PA

Complaint narrative:
I recently reviewed my Equifax credit report and found multiple unauthorized hard inquiries and accounts that I did not initiate. These fraudulent entries are likely linked to the Equifax data breach. 

I request the immediate removal of the following inquiries : XXXX XXXX Services ( XX/XX/XXXX ), XXXX XXXX Via Dealer ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX-XXXX  XXXX XXXX XXXX XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and more. 

I also request the removal of the incorrect address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and the XXXX XXXX XXXX XXXX XXXX ( # # # # XXXX ) collection account. 

Per the Fair Credit Reporting Act ( FCRA ), please remove these fraudulent items immediately and provide a response in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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 to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX ( XX/XX/year> ) XXXX. XXXX ( XX/XX/year> ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint to address concerns regarding United Auto Credit Corp, which may be attempting to falsely report or reinstate a debt that has been fully satisfied and reported as paid on my credit report. This action, if taken, would violate multiple federal consumer protection laws, including : 1. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Creditors are required to report accurate and complete information to credit bureaus. 
My credit report from XXXX XXXX XXXX XXXX XXXX confirms that my loan with United Auto Credit Corp was fully paid, with a {$0.00} balance reported on XX/XX/year>. 
If United Auto Credit Corp later attempts to change this balance or claim that I still owe money without legitimate proof of an error, this would be a direct violation of FCRA and could constitute credit reporting fraud.

2. Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e Under FDCPA, it is illegal for creditors or debt collectors to misrepresent a debt.

If a lender falsely reports a balance as outstanding after marking it paid, this is considered fraudulent debt collection and a misrepresentation of the account status.

If they attempt to collect on a debt that no longer exists, this constitutes deceptive collection practices under federal law.

3. Breach of Contract & Unfair Business Practices If United Auto Credit Corp issued a lien release or closed the loan in their records, they are legally obligated to honor that action.

If they reinstate a paid debt or refuse to release my vehicle lien, this could be considered a breach of contract and an unfair business practice.

These actions may warrant further legal action under consumer fraud and contract laws.

Request for CFPB Action : Ensure that my credit report remains accurate, reflecting the {$0.00} balance and Paid in Full status across all bureaus.

Prevent United Auto Credit Corp from reinstating a false debt or misrepresenting my account status.

Ensure that the lienholder releases my vehicle lien immediately, allowing me to obtain my title.

Investigate this potential violation of the FCRA, FDCPA, and UCC laws to prevent further consumer harm.

I request that CFPB take immediate action to protect my consumer rights. Please confirm receipt of this complaint and provide a resolution timeline. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: OR

Complaint narrative:
I was checking my credit profile and realize there is a debt on my credit that does not apply to me and I need to get it off of my credit report. I already put a lock on my credit file. 

Elan XXXX XXXX Acc number : 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 2025-03-20 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-20 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-20 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I scheduled a payment to pay my XXXX balance due but it looks like Chase is cancelling the payment. Now the payment is past due with late fees and interest. 

I tried calling Chase to see what happened but can not reach a representative. 
My last resort is to physically go to the bank, withdraw the cash , drive to a different bank that is also linked to my XXXX account and that I do not have this issue with, and then go back online to pay. 

I am suspecting Chase in its policies is deliberately being uncooperative with online financial services such as XXXX and XXXX ( with which I have also experienced issues relating to Chase in the past ) XX/XX/XXXX XXXX Chase - I am now sharing data with XXXX XX/XX/XXXX XXXX I scheduled a payment XX/XX/XXXX XXXX Chase - I stopped sharing data with XXXX XX/XX/XXXX XXXX XXXX did not go through XX/XX/XXXX XXXX Chase - I am now sharing data with XXXX XX/XX/XXXX XXXX I scheduled a payment XX/XX/XXXX XXXX Chase - I stopped sharing data with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
on my credit report these inquiries on my account is apart of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Last year, I opened a Citi XXXX XXXX XXXX card, number XXXX. I recently moved from XXXXXXXX XXXX and purchased a house in XXXXXXXX XXXX. I had gone mortgage shopping to get the best rate and then took another credit hit when I applied for the Citi XXXX XXXX card. 

A couple of months ago, my son XXXX XXXX died unexepectedly. I have been grieving, not shopping. All of my bills are paid automatically. I had not yet charged anything on my Citi XXXX card, so the balance was XXXX. I thought my XXXX membership would automatically be renewed using this card. I even asked the representative at XXXX who took my application if this would be done and she answered affirmatively. 

I reviewed my mail and discovered that Citi had closed my account because my XXXX XXXX had expired. I was shocked and disappointed. My credit took several hits when I shopped for mortgage rates last XXXX before I purchased the house and then again when I opened the Citi XXXX XXXX card. Now it will take another hit because Citi closed my card because the XXXX membership had not been updated. 

On XX/XX/year>, I went to XXXX and renewed my membership ( XXXX ). I then phoned Citi to inform them of such, complain about the fact that the card was not used to reinstate my membership and ask that the automatically reinstate the card. Citi indicated they would have to check my credit again. This would be a third strike against my credit by Citi in less than a year. After speaking with representatives XXXX, XXXX and supervisor XXXX from Citi and representative XXXX from XXXX, my problem has not been resolved. Citi indicated the card could not automatically be reinstated without another credit check because it was not a bank error. It was a bank and XXXX error that my membership was not automatically reinstated using my Citi XXXX card. 

I would like Citi to automatically reinstate my card and remove the close notation on 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 2025-03-20 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I have disputed this debt multiple times asking for the forward flow agreement, proof of purchase/sale agreement, the sale data file, my signature agreeing to pay LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX and written communication only from this company. I have repeatedly been denied this information as well as written communication proving I hold a legal contract with LVNV FUNDING LLC XXXX XXXX XXXX XXXX. They have continued attempted contacts via people they assume are associated to me and not linked to any account I may have as well as sending ghost digital communication. Today I received a summons of being sued without LVNV ever providing proper communication or the documents I have requested. This is against my legal rights of debt verification as I have not received the documents Ive requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
MOHELA ( I previously submitted claim # XXXX to CFPB on XX/XX/XXXX and I still do not have a refund ) I have been trying to communicate with MOHELA since XX/XX/XXXX. I am getting a run around on receiving my refund from overpaying my student loan. This has been due to me since XX/XX/XXXX. First they blamed it on XXXX XXXX XXXX Treasury, but they have no record of this refund. I spoke to Mohela in XX/XX/XXXX and they said they would escalate the refund. I am owed $ XXXX from Mohela and I can not get the refund. Who do I have to report this to? I have wasted hours and hours on hold, have written letters, talked to supervisors. You have to do something about the way Mohela is doing business. It has to be illegal. Please do not just hand this off to Mohela because they will do nothing with the information. What do I have to do to get the monies owed to me? I am currently on hold with Mohela at XXXX for XXXX hour and XXXX minutes. Come on! THIS AGENCY IS GOVERNMENT FUNDED AND IT IS A JOKE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: PA

Complaint narrative:
List of 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 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 Under FCRA 1681c-2, unauthorized inquiries must be removed immediately as they harm my credit and may indicate fraud. The FCRA requires credit bureaus to investigate disputes within 30 days and delete fraudulent inquiries. Please remove these inquiries and confirm in writing.

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 2025-03-20 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-20 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: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-03-20 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: PA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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