vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
My accounts were consistently payed! I possess an excellent payment record, and all payments were arranged on autopay. The transaction was handled incorrectly on their side, which is the reason for this late payment being reported. 

I request the update of the reported late payment. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply 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 non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Arivo Acceptance, LLC
State: OK

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX in Ohio on XX/XX/2025, and financed it through Arivo Acceptance. I made a {$1000.00} down payment and have been making $ 500 monthly payments ever since, even though the vehicle has been unusable due to title and registration errors made by the dealership. 

I am an XXXX XXXXXXXX XXXX XXXX XXXX XXXX in Oklahoma. I clearly provided my correct Oklahoma address to both the dealership and Arivo XXXX at the time of purchase. Despite this, the dealership submitted my paperwork to the Maryland XXXX using an old address where I no longer live. The Maryland XXXX confirmed they have no record of this vehicle or any waiver submission. 

The dealerships mistake caused major delays. My temporary tags expired on XX/XX/2025, and I have been unable to legally drive the vehicle since then. The title and tags still have not been delivered, and the dealerships title company most recently said they might be able to ship them by XX/XX/2025, more than 130 days after purchase. 

Operating a vehicle with expired tags could violate state law and the XXXX XXXX of XXXX XXXX ( XXXX ), putting my military career at risk. Because of this, I have not driven the car since XXXX. This situation has also caused hardship for my wife, who depends on our vehicle to get to work. 

I have reached out to the dealership repeatedly and have full email documentation since the date of purchase showing the dealerships lack of communication, delays, and shifting explanations. Managers at XXXX Automotive stated they had no knowledge of the title issue until I raised it myself, and my sales representative was also unaware. The dealership takes days to respond to even basic status updates.

When I first requested compensation for my losses, they offered only {$500.00} as a courtesy. After I pushed back and explained the financial and professional harm this caused, they raised the offer to {$1000.00}, but refused to go any higher. This amount does not even cover my XXXX months of loan payments, let alone the down payment, insurance, and other costs incurred. 

Servicemembers Civil Relief Act ( SCRA ) Protections Under the Servicemembers Civil Relief Act ( SCRA ), lenders and dealerships are prohibited from engaging in conduct that financially harms active-duty servicemembers. Arivo XXXX was aware of my military status and Oklahoma address but has continued collecting payments on a vehicle that can not be legally driven or registered due to the dealerships error. This situation may constitute an SCRA violation and unfair lending practice, as I have been deprived of the use of the vehicle while remaining liable for the debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-20 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:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-20 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Consumer Financial Protection Bureaus recent enforcement actions demonstrate the consequences of sham investigations and non-compliance. Your continued inaction places TransUnion LLC at comparable legal risk and perpetuates irreparable harm to my creditworthiness, financial stability, and personal well-being. The following unauthorized accounts, all traceable to the XXXX XXXX XXXX Breach, remain on my credit report despite repeated disputes and supporting documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Fraud Begun : UNKNOWN The presence of the inaccuracy due to XXXX XXXX XXXX Data Breach, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted Federal agencies to assist me with this matter. My consumer rights have been tarnished and violated. TransUnion LLC has rereported the negative information on my credit file without my consent. I have never signed any applications permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but the reporting Furnishers has not provided documentation or their policies and procedures regarding the FCRA. This raises serious concerns about TransUnion LLC compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit 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 2025-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
When the SAVE plan was deemed illegal, I was never informed that interest would begin to accrue again on XX/XX/XXXX. I was only informed of when my repayments would restart. I learned of the interest restart on the news. They have my contact info because I verified on the site and I have received other emails prior to and after related to repayments only. When I contacted FSA, they referred me to my servicer who referred me back to FSA, this occurred several times. I filed a complaint with the Ombudsman because my understanding is they are an advocate for the borrower and they again referred me back and forth to my servicer. In the end, the response I got was that an email was sent to me in XX/XX/XXXX, and that is a lie. I checked all email folders, including spam and that email was never sent. I then requested a copy of this email and my case has been pending since. I recently felt it necessary to review my Master Promissory Note and when I tried to access it on the FSA website, it is no longer there. I have other MPN 's for {$0.00} balance loans but not the loan that as under the SAVE plan. I feel my rights as a borrower have been violated and that informing a borrower of a change, like interest restarting, is part of the terms of the loan agreement.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hello, this is my second time writing this complaint. There are still accounts on my credit report that shouldn't be there, despite the fact that I wrote your company a dispute last month, in which I explicitly mentioned the accounts that were false. Not only have I mentioned the bogus accounts, but I have also attached my ID and social security number, which I will be reattaching, and your company 's carelessness is stressing me out and negatively impacting my mental health. All I can do is contact your organization to have it fixed since I shouldn't be punished more for being a victim.

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 2025-10-20 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: NC

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-10-20 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/2021 -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2025-10-20 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: VA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-20 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: DE

Complaint narrative:
My loan provider for federal loans is Mohela. Mohela sent me notifications over the past couple of days with conflicting information about my repayment plan. I applied to change income-based payment plans as I am 3 payments away from receiving loan forgiveness on my student loans, and I have currently been in a forced forbearance. Mohela 's documentation states that I'll start payments on XX/XX/XXXX at {$300.00}. Another document states that I'll be making payments at {$210.00} starting XX/XX/XXXX, and I have another document that says I'll start making payments at {$300.00} at XX/XX/XXXX. When I call the number, there's no representative to help and I keep being redirected to different computer generated menu options. This provider is inefficient, unhelpful, and unprofessional. I have been paying loans now for almost 10 years, and I deserve clarity on when payments will be made and in what amount.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have a student loan serviced by Nelnet. I received an email from them saying they had sent new correspondence to my Inbox, so I went to check on their website. While their, I saw that my loan had accrued {$1300.00} in unpaid interest. This should not be, since I had been up to date on payments, and since I was on an IDR plan, payments were deferred pending ongoing litigation. The most recent communication I had received from Nelnet had stated that interest would not accrue while payments were deferred. When I called customer service, their representative claimed that interest began accruing in XXXX, and that they had sent a notification that this was the case. However, I have nothing in my Nelnet inbox dated from XXXX, and no emails communicating this either. She also claimed that there was a banner on their website announcing that interest would begin accruing on these loans, however I was on the website while I was talking to her and could see that there was no such banner. Had I known that interest would be accruing, I would have started making payments earlier in order to prevent the debt from growing beyond my capacity to pay it off. Because of their negligence, I was not able to do this. I also think it is fraudulent to claim they sent me any communication on this matter when no such communication exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear LVNV Funding LLC, I am writing in response to your [ letter/phone call/email ] dated [ insert date ], in which you claim that I owe a debt. This letter is not a refusal to pay, but a notice that your claim is being disputed. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of the alleged debt.

Please provide the following information : The name and address of the original creditor.

The amount of the alleged debt and a detailed explanation of how that amount was calculated.

A copy of any written agreement bearing my signature that shows I agreed to assume this debt.

Verification that you are licensed to collect debts in my state, including your license number and registered agent.

Proof that you have the legal right to collect this debt ( e.g., documentation showing the assignment or transfer from the original creditor ).

Please note that until you provide the requested validation, you must cease all collection activities, including phone calls, letters, credit reporting, or legal action, as required by federal law.

If you can not provide proper validation, you must : Cease all collection efforts immediately, and Remove any information related to this account from my credit reports with all credit bureaus.

I request that all future communications regarding this matter be made in writing only.

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief