vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: SC

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 non-monetary relief
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX bridgecrest credit union, has violated my rights. 
Account # XXXX capital XXXX, has violated my rights. Account # XXXX XXXX XXXX XXXX has violated my rights. Account # XXXX XXXX XXXX, has violated my rights. Account # XXXX XXXX XXXX, has violated my rights. Account # XXXX XXXX XXXX  XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2025-04-02 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX bridgecrest credit union, has violated my rights. 
Account # XXXX capital XXXX, has violated my rights. Account # XXXX XXXX XXXX XXXX has violated my rights. Account # XXXX XXXX XXXX, has violated my rights. Account # XXXX XXXX XXXX, has violated my rights. Account # XXXX XXXX XXXX  XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2025-04-02 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-04-02 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-04-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-04-02 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
Made payments and everything to my car lease loan and it's still not reflected on my credit report so the company is misinterpret my report on their behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: WV

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

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
**Company Being Reported** Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXype : Open-End Line of Credit Loan Amount : {$2700.00} Loan Start Date : XX/XX/XXXX XXXX*Complaint Summary** I took out a {$2700.00} loan from XXXX XXXX in XX/XX/XXXX. I only received {$2400.00} due to a 10 % fee taken upfront. This part was clear, but what I didnt expect was the extremely misleading payment structure and the resulting financial hardship. The chart provided suggested my monthly payment would be approximately {$270.00}. However, later in Section V of the contract, it states that the 'minimum payment ' includes an additional 2.5 % of the balance, bringing the total to over {$400.00}. This discrepancy was not clearly disclosed alongside the chart. On XX/XX/XXXX and again on XX/XX/XXXX, XXXXwo separate {$400.00} payments were taken from my account. I was told this was because I changed my due date, which triggered two full monthly payments back-to-back. Unfortunately, I was not warned this would occur, and the result was significant financial strain. I also learned that even by paying the minimum $ 400 monthly, I would not be finished paying the loan until XXXX. Thats over three years of payments on a {$2700.00} loan. I believe this information should have been clearly disclosed from the beginning. Please review their fee and payment disclosures for clarity and fairness - I kindly request a refund of any duplicate or excessive charges- Please consider recommending a cap on interest or a relief plan based on ability to repay- Please encourage the company to provide better up-front disclosures on repayment terms **Lender Fax ( for document submission ) : ** Fax Number : ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 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 2025-04-02 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, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 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 2025-04-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Thank you for reviewing my concerns. I respectfully disagree with the assertion that nothing was reported late on Aidvantages end, as it disregards the core issue : incorrect and inconsistent reporting of my repayment start date. 

My final coursework in the University XXXX  Georgia XXXX XXXX program concluded in summer XXXX, and my degree was conferred on XX/XX/XXXX. Despite this, Aidvantage incorrectly relied on a XX/XX/XXXX graduation date, as reported in an earlier data transfer, and initiated repayment with a due date of XXXX XXXXwithout verifying the updated NSLDS information. This misalignment led to the wrongful early start of my repayment period. 

I proactively worked with the University of Georgia to correct the record. On XX/XX/XXXX, XXXX XXXX, XXXX, Senior Assistant Registrar, confirmed that UGA  manually updated the graduation date in the NSLDS Clearinghouse to reflect my summer XXXX graduation term. This means Aidvantage has access to the correct data and still failed to adjust my grace period or repayment terms accordingly. 

Aidvantages statement that " there is no negative reporting '' is misleading. While they may not have marked payments as formally delinquent, the incorrect repayment start date has affected the accounts age, status, and monthly payment history, which are critical components of credit scoring models used by mortgage underwriters, financial institutions, etc. The impact is not limited to delinquencyaccuracy matters. 

Despite calls and emails, including my direct outreach to my assigned representative, XXXX, I have not received confirmation that : Aidvantage received and processed the corrected NSLDS data ; My grace period has been properly reinstated ; My repayment start date has been realigned with the correct graduation date ; My credit file has been updated to reflect these changes. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers of credit information have a legal obligation to report accurate and complete information. Whether a late payment is marked or not, the inaccurate reporting of account status, timing, or terms still constitutes a violation of that obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: AL

Complaint narrative:
This mortgage was recently transferred from XXXX ( XXXX XXXX XXXX XXXX ) beginning XX/XX/year>2025. Upon transferring my loan, all of my payment history was erased. My Payments were lost in transition. Before the transfer, I was making biweekly payments. The last payment to them was not transferred, and I was told by M & T bank that I had missed a payment and was about to be sent to collections. Putting my good payment history into jeopardy. 

I contacted M & T in XXXX to inquire about the payment and was told by a customer service Rep that my payment was misapplied and she worked hard to make corrections. However, after speaking with her the next month, my payments continued to be misapplied and still are today. When I previously spoke to the Customer Service Rep who assisted me, I was told that I needed to enroll in a flexible mortgage payment plan, which I did while on the line with her. 

Upon contacting them today, I was told that they do not have a biweekly program and that they would not ever have such a program. Her comments were both unprofessional and unhelpful to me as a customer. 

The purpose of enrolling in the program was to keep my account in good standing and as a strategy to pay my home sooner.

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 2025-04-02 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: NJ

Complaint narrative:
i pulled my credit reports and noticed account thta i didnt open

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 2025-04-02 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: NJ

Complaint narrative:
i pulled my credit reports and noticed account thta i didnt open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NJ

Complaint narrative:
i pulled my credit reports and noticed account thta i didnt open

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 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I recently started using bill pay to pay bills, 2 recipients in bill pay a double payment was issued ( XXXX paid XX/XX/year> & XX/XX/year> ) it was too late to cancel double payment for this company so they were over paid for XXXX, cancelled payments for XXXX. For XXXX XXXX CANCELLED PAYMENTS FOR XXXX XXXX. Two payments for XXXX processed ( XX/XX/year> & XX/XX/year> ) not able to stop these payments. The mobile app isn't working properly thats not my problem, yet the errors are clear. MY funds are being miss handlded I dont't pay bills like this, both companies removed from bill pay by me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-04-02 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: TN

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 2025-04-02 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: SC

Complaint narrative:
I am writing you about the compromising of my social security number due to the XXXX Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
2. The inquiry was not authorized ONEMAIN Date of inquiry : XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
3. 
XXXX XXXX XXXX Account Number : XXXX 4. 
XXXX XXXX XXXX Account Number : XXXX 5. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 6. 
XXXX XXXX XXXX  XXXX Account Number : XXXX 7. 
XXXX XXXX XXXX Account Number : 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