vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
I am formally disputing the accuracy of the reporting for my XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX ) account ending in XXXX, reported on XX/XX/XXXX. The file reflects a status reading : Current account/ was 30 days past due date, While simultaneously showing {$0.00} past due, a current status, and no prior late-payment sequence. This internal contradiction violates : FCRA 607 ( b ) duty to assure maximum possible accuracy ; FCRA 611 ( a ) ( 1 ) ( A ) & 611 ( a ) ( XXXX ) ( A ) duty to conduct a reasonable reinvestigation ; XXXX XXXX XXXX 115 F.3d 220 ( 3d Cir. 1997 ) verification must be independent and substantiated.

Metro 2 Compliance Manual, Fields 17A, 17B, 18, and 22 inconsistent payment history and missing delinquency progression. 
I am disputing XX/XX/XXXX as incorrectly reported 30 days late. 
Please obtain and provide : 1.

2.

3.

Running statements or ledgers proving the due date, payment receipt, and posting date for the alleged late ; An explanation of how a current account with {$0.00} past due can simultaneously carry a late-payment flag ; and Documentation confirming that the - {$1.00} limit is valid under Metro 2 numeric-field standards. 
Codes alone are not verification. If XXXX can not independently substantiate the alleged delinquency with primary records, this account must be corrected to show Pays As Agreed / Never Late.

Failure to comply within 30 days will result in formal complaints with the CFPB, FTC, and State Attorney General, and I reserve my right to seek statutory damages under 15 U.S.C. 616617.

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 2025-10-31 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
This is a follow-up submission to my prior CFPB complaint against Kia Motors Finance , originally sent on XX/XX/year> and incorrectly marked as a duplicate on XX/XX/year>. Please link this follow-up to the original record for continued investigation. 

I am submitting this formal complaint regarding the improper closure and misclassification of my most recent filing against Kia Motors Finance. 

My submission, sent on XX/XX/year>, was a follow-up to Kias previous CFPB response XXXX addressing specific unresolved violations and the companys failure to provide required documentation. However, on XX/XX/year>, the complaint was marked as a duplicate and closed without review. 

This classification is inaccurate. The XX/XX/XXXX filing was not a duplicate, but a response to Kias prior investigation outcome, identifying ongoing and new noncompliance issues that were never addressed in the companys previous correspondence. 

Basis for This Complaint Follow-Up Filing, Not a Repeat Submission : My XX/XX/XXXX submission included new information, continued violations, and additional statutory concerns that arose after Kias initial CFPB response XXXX Labeling it a duplicate prevented these ongoing issues from being investigated or reviewed. 

Failure to Review Supporting Letter : The follow-up letter specifically cited violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ), Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), and Truth in Lending Act ( 15 U.S.C. 1666b ) all tied to Kias improper reporting and lack of documentation. There is no indication that these issues were read or considered prior to closure.

Denial of Due Process in Dispute Review : By closing the follow-up as a duplicate, the CFPB process effectively denied review of the new evidence, allowing Kia Motors Finance to avoid accountability for continued and verified inaccuracies in credit reporting.

Ongoing Violations : Kia has continued to furnish unverifiable late-payment data and has not produced proof of billing statements mailed 21 days before due dates, nor evidence of a lawful reinvestigation. These issues remain active and unresolved.

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 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe contain incorrect information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate and verifiable credit report. I am requesting a review of these entries, and if they can not be confirmed as accurate, they should be removed.

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 2025-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: EAST WEST BANK
State: CA

Complaint narrative:
When we first decided to purchase our home from XXXX XXXX, the developer required us to complete a cross-qualification process with their preferred lender, East West Bank. We understood that cross-qualification is meant only to verify a buyers financial capability, not to limit lender choice. 

However, the assigned loan officer, XXXX XXXX XXXX, behaved in an arrogant and unprofessional manner. During our initial communication, he stated that if we were not planning to use East West Bank for our mortgage, he saw no reason to help us complete the cross-qualification. This statement violated the very purpose of cross-qualification, which should be neutral and non-coercive. 

Despite this behavior, we continued to cooperate. We later worked with another member of the East West Bank team, XXXX, who helped us complete the loan approval properly. We then submitted this approval to the developers sales center according to their requirements. 

Afterwards, the developer never confirmed which lender we had chosen, but instead kept pressuring us to use East West Bank exclusively. We repeatedly explained that our down-payment funds could not be processed through East West Bank due to financial limitations, yet the developer told us that if we did not use their preferred lender, they would cancel our purchase and forfeit our deposit. 

We believe this conduct constitutes coercion and unfair treatment. The developer effectively denied us the right to select our own lender, which undermines consumer protection principles established under the Real Estate Settlement Procedures Act ( RESPA ) and Californias laws on fair and transparent real-estate practices.

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 2025-10-31 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: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: AZ

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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 am submitting this complaint in an effort to dispute inaccurate and incomplete information on my credit report. Please review the following accounts that are being disputed, separated by credit bureau : Charged-Off Accounts DEPTEDXXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : {$20000.00} DEPTEDXXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : {$6700.00} DEPTEDXXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : {$6900.00} XXXX XXXX XXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : {$390.00} XXXX  XXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : {$4300.00} Bankruptcy Case # : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Bankruptcy Case # : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Bankruptcy Case # : XXXX XXXX Reported : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : {$910.00} XXXX XXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Late Payments XXXX XXXX Account # : 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 2025-10-31 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: FL

Complaint narrative:
Charged Off Accounts : XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status for this account. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status for this account. 

XXXX  XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$1000.00}. Please verify and provide the correct status for this account. 

Inquiries : There are no specific inquiries listed for TransUnion in this case. 

Late Payments : XXXX  ( Account : XXXX ) Dispute : The late payment listed for this account is incorrect. Please verify and provide the correct status.

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 2025-10-31 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: VA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-31 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against Dept of Ed/aidvantage XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education . 

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Charged Off Accounts : XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$250.00}. Please verify and provide the correct status. 

XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$470.00}. Please verify and provide the correct status. 

XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$500.00}. Please verify and provide the correct status. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$90.00}. Please verify and provide the correct status. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$730.00}. Please verify and provide the correct status. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$15000.00}. Please verify and provide the correct status.

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 2025-10-31 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: GA

Complaint narrative:
I am submitting this complaint in an effort to dispute inaccurate and incomplete information on my credit report. Please review the following accounts that are being disputed, separated by credit bureau : DEPTEDXXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : {$20000.00} DEPTEDXXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : {$6700.00} DEPTEDXXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : {$6900.00} XXXX  Account # : XXXX Date Reported : XX/XX/XXXX Balance : {$220.00} XXXX XXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : {$910.00} Inquiries XXXX  Date : XX/XX/XXXX Late Payments XXXX XXXX Account # : XXXX XXXX Account # : 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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had done work for someone and they paid me with a check that i mobile deposited into my bank account, the check ended up bouncing because it was no good. I had no idea the check wasn't good i worked for it. the bank froze my account in the account was XXXX dollars from other pay checks that i had received. i was then told that even though they found that i didn't know they still say they do not have to give me the money that remained in the bank account. How is this fair or right? had i known the check was no good i wouldn't have even taken it from them

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 2025-10-31 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: Nelnet, Inc.
State: NC

Complaint narrative:
I appreciate Nelnets reply, but their explanation does not resolve the central issue or reflect the reality of what occurred. 

Nelnet claims I was notified that my auto-debit enrollment was deactivated and that I was responsible for re-enrolling. However, I never received any clear or direct communication indicating that my long-standing auto-debit feature active for over a decade had been removed or would not resume automatically when payments restarted. If any notice was sent, it was not presented in a way that reasonably alerted me to a critical change in payment status. 

For more than ten years, my payments were made reliably and often in double the required amount, demonstrating an impeccable payment record and intent to satisfy all obligations. There is no logical reason why I would have intentionally failed to make a final payment of roughly {$850.00}, particularly when I had always paid early and above the minimum amount due. 

The payment pause was a government-initiated action, not a borrower choice. After three years of suspended billing, it was reasonable to expect that an existing auto-debit arrangement would resume once the servicer reactivated repayment especially since Nelnet never clearly indicated otherwise. This was a servicer administrative failure, not borrower negligence. 

As soon as I became aware of the issue, I paid the balance in full immediately. I am not disputing the debt, only the resulting derogatory reporting that now misrepresents my financial responsibility. 

I respectfully renew my request that Nelnet issue a goodwill adjustment and remove the late or default reporting from all credit bureaus. This correction would accurately reflect my long history of responsible repayment and acknowledge that this default was caused by a lapse in servicer communication, not borrower intent or misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ) by unlawfully reinserting a previously deleted XXXX XXXX account and failing to comply with my Method of Verification ( MOV ) request. 

On XX/XX/year>, Experian deleted the XXXX XXXX tradeline ( Account # XXXX ) following a valid dispute, as confirmed in my reinvestigation results ( Report # XXXX ). However, without my knowledge or consent, Experian reinserted the same account, which reappeared on my report dated XX/XX/year>, marked as updated. 

Under FCRA 1681i ( a ) ( 5 ) ( B ), Experian must obtain certification from the furnisher that the information is accurate and provide written notice to the consumer within five business days of reinsertion. No such notice or certification was received. 

In my XX/XX/year> submission, I formally requested a XXXXethod of Verification under FCRA 1681i ( a ) ( 7 ), asking for the name, address, and phone number of the furnisher contacted and a description of the reinvestigation procedure. The dispute was completed on XX/XX/year>, but no procedural description or supporting verification documents were provided a direct violation of 1681i ( a ) ( 7 ). 

Furthermore, the reinserted tradeline contains altered reporting data from the original deletion record, including new charge-off months and inconsistent status updates, which proves Experian did not perform a reasonable reinvestigation as required by 1681i ( a ) ( 1 ) and 1681e ( b ). 

I am requesting that the CFPB investigate Experian for : Violating 1681i ( a ) ( 5 ) ( B ) by reinserting deleted data without proper notice or certification. 

Violating 1681i ( a ) ( 7 ) by failing to provide the requested Method of Verification within 15 days. 

Violating 1681e ( b ) by failing to maintain accurate and complete reporting procedures.

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 2025-10-31 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:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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