vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Newport Intermediate Inc.

Complaint narrative:
I'm a XXXX XXXX and as a recognition card I got a posibility to submit an application for prepaid card. Amount was XXXX XXXX XXXX. on XXXX XX/XX/year> I submitted it. Shipping date was up to XXXX business days after submit date. After more than month I just noticed that my card wasn't shipped to XXXX where I live but someone stole it in the USA and spent all money. I asked a mypaymentvault.com what do I have to do in such situation. They advised me to raise a dispute form but via fax. A person from service told me that I can send a PDF and he/she will raise that for me. I've sent that on XXXX XX/XX/year>. They told me that they will send a confirmation after XXXX days but there was no confirmation. When I sent a reminder I just only got an automatic reply that they will be working on that and I need to wait up to XXXX days. After XXXX  days at the end of XXXX I asked once again what about my case and they replied that they even didn't start working on it and I have to raise it once again (! ). They are doing everything to extend a time until my card is expired. I've seen in the internet that there were many people frauded in US and outside of US. So my request is to contact with the company because I have no option to get back my money. I don't know what else can I do. This is a typical activity of this company, they are just stealing customer 's money and count that customer will resign from struggling. When I'm sending many additional emails, they are just sending the same typical automatic emails that I have to wait and that they are sorry but they intentionally are doing nothing. I will highly appreciate you help. In case of need or any additional questions please contact me via email or phone. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Kia Finance regarding conflicting and misleading information I received about my auto loan payoff. 

I received an official Paid in Full letter from Kia Finance stating that my vehicle loan had been completely satisfied. However, when I contacted Kia Finance to confirm, I was informed that the letter had been sent in error and that a balance allegedly remains on the account. 

This situation has caused significant confusion and frustration. I was involved in an automobile accident after which my insurance company paid toward the remaining loan balance. Based on the Paid in Full letter I received, I had every reason to believe the account was fully settled. 

To date, Kia Finance has not provided a clear written explanation for how or why the letter was issued, nor an accurate accounting of the loan balance after my insurance companys payment. I am deeply concerned about the accuracy of Kias internal records and the potential impact this could have on my credit history or financial standing. 

I am requesting the CFPBs assistance in obtaining : 1. A written explanation from Kia Finance detailing why the Paid in Full letter was issued and later retracted.

2. A full and accurate accounting of my loan, including all payments received from both myself and my insurance company.

3. Written assurance that this situation will not negatively affect my credit report or financial record.

I have retained copies of the Paid in Full letter and my communications with Kia Finance, and I am happy to provide them upon request. 

Thank you for your attention to this matter. I appreciate your help in ensuring Kia Finance provides transparent and accurate information regarding my account.

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 2025-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
My due date for my account is XX/XX/year>. I paid {$30000.00} to my loan service provider ( Mohela ) on XX/XX/year>, close to {$25000.00} more than what is owed in upcoming year. Immediately after, I contacted Mohela to request my account be paid ahead. I was not told there would be a 90 day wait time for an 'application ' to be reviewed/accepted. I received no update so in the subsequent days, I called Mohela again. I was then informed that applications for paid ahead status take 90 days, but was assured an 'escalated ' application would resolve the issue ( ticket number XXXX ). Again, I received no update. on XX/XX/year> I called Mohela, asking to speak to a supervisor. No supervisor was available and an automated message stated I would receive a call back within 48hrs. I received no call back. On XX/XX/year> I call Mohela again and essentially was given the 'run around ' and transferred to a supervisor, who again was unavailable; received automated message stating a call back was required.

Company response to consumer: In progress
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing an inaccurate collections account that TransUnion is reporting for XXXX XXXX XXXX ( serviced by XXXX XXXX XXXX, L.P. ). XXXX  and XXXX  are not reporting this collection at all. 

Tradeline : XXXX XXXX XXXX ( Original creditor : XXXX Bank, XXXX. ) Account number ( masked ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reference ID : XXXX Account holder name : XXXX XXXX XXXX Supporting document : Letter from XXXX XXXX XXXX dated XX/XX/year> stating : Following our research into the matter, this account has been closed. 

Timeline : I filed a dispute with XXXX  asserting the XXXX collection was being reported inaccurately and asking for deletion. 

TransUnion responded that the account was verified as accurate. 

Shortly after, I received the attached written notice from XXXX confirming the account has been closed. 

Despite this, TransUnion continues to report the XXXX collection, while XXXX  and XXXX  do not. 

Concerns : XXXX  failed to maintain reasonable procedures to assure maximum possible accuracy and failed to conduct a reasonable reinvestigation in violation of FCRA 15 U.S.C. 1681e ( b ) and 1681i. 

The furnisher ( LVNV/Resurgent ) appears to be furnishing information that is incomplete or inaccurate and not correcting it after notice, contrary to FCRA 623 ( 15 U.S.C. 1681s-2 ). If TransUnion was informed the account is closed, continued reporting may also implicate FDCPA 807 ( 8 ) ( 15 U.S.C. 1692e ( 8 ) ) regarding communicating credit information known, or that should be known, to be false. 

This inaccurate tradeline has lowered my credit scores and harmed my access to credit.

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 2025-10-10 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: NY

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-10-10 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: NY

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
I filed a complaint with this company in XXXX telling them I never received notification of this debt nor the right to dispute the debt. I did not get any notification that the debt was charged off until it was on my credit report. This company responded alleging I spoke to loss prevention and they mailed me letters. However there is no confirmation that I actually received the letters. Provide me documentation of a signature for many said documentation sent. This company also said they provided me with a letter of charge off and right to dispute. Please provide a company of such drafted letter stating notification of charge off and proof of my receipt of the letters. If you can not provide these things, off, you are in violation of the Equal Credit Opportunity Act ( ECOA ) and Regulation B require banks to provide written notice of " adverse action '' on an existing account within  XXXX  days. In many cases, charging off an account is considered adverse action. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide written validation of a debt within XXXX days of their first contact, which may occur after a bank has charged off a debt and sent it to collections. you have XXXX  days to provide the information requested

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please be advised that as of XX/XX/year> as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX-XXXX XXXX XXXXXX/XX/year>. I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian, Transunion, or Equifax too furnish this information. 
Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries within XXXX  days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to Experian, Transunion, or Equifax resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations. 

Warm Regards, Without prejudice, all-natural inalienable rights are reserved.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please be advised that as of XX/XX/year> as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX-XXXX XXXX XXXXXX/XX/year>. I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian, Transunion, or Equifax too furnish this information. 
Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries within XXXX  days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to Experian, Transunion, or Equifax resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations. 

Warm Regards, Without prejudice, all-natural inalienable rights are reserved.

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

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-10-10 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: MD

Complaint narrative:
I am filing this complaint because [ Experian / XXXX XXXX XXXX ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in Sessa v. TransUnion, LLC ( 2023 ), the court held inaccuracies must be corrected whether factual or legal ; in Kirtz ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in Norman vXXXX TransUnion ( XXXX ), XXXX  paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2025-10-10 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: PA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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 request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a purchase of curtains on my Home Depot credit card. The company, which has never done this before, ran XXXX ( XXXX ) pending charges of {$1.00} each on the card. The next day the entire charge was processed in the amount of {$160.00}. Home Depot has refused to remove the pending charges associates with this purchase of {$160.00} even though the charge has been processed and charged to my account.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: CT

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 2025-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CarMax, Inc.
State: FL

Complaint narrative:
To Whom It May Concern I am submitting this letter to document ongoing issues with CarMax Auto Finance and the lack of proper response to my repeated complaints .Over the past 18 days, I have sent a total of 18 written communications to several agencies, including the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX  XXXX The XXXX XXXX and the State Attorney 's Office. 

Despite my consistent efforts, the only responses I have received came from XXXX  and XXXX, while CarMax auto Finance continues to Ignore all correspondence. 
This continued lack of communication appears to desmostrate unfair and discriminatory treatment.It gives the impression that financial institutions and cedit bureaus protect each other 's interests instead of addressing the legitimate concerns of consumers. 

I respectfully request that this matter be investigated and Carmax auto Finance be required to provide a formal written response .I am seeking fairness, transparency, and accountability in how my Complaint is handled.

Company response to consumer: Closed with explanation