vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I have been dealing with inaccurate student loan reporting from Aidvantage since XXXX 2025. In XXXX, Aidvantage admitted the issue was a system glitch on their end and requested that I fax my Social Security card to correct it. I did exactly what they asked, and they confirmed receipt. 

Despite this, XXXX loans continue to appear on my XX/XX/XXXX credit report as delinquent and are now being reported as loans from the University XXXX XXXX XXXX I did not attend. When I called today ( XX/XX/year>2025 ), I was informed that I must now complete a fraud package, even though this situation originated from Aidvantages internal reporting error, not fraud on my part. 

I have been patient and cooperative for months, providing all requested documentation. This error has caused severe credit damage, stress, and confusion about my legitimate student loans, which are currently in deferment. 

I am requesting that Aidvantage immediately correct these inaccuracies, remove all false accounts and late payments from all credit bureaus, and confirm in writing that my loans are correctly listed under my XXXX XXXX XXXX profile. I also request compensation or repayment adjustment for the ongoing harm caused by their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Ensure removal of the disputed accounts in the timeframe set forth by 15 U.S. Code 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My name is XXXX XXXX it been months I need a update on my disputes that still in process if they are denied or rejected I want them to be appeal and reopen and review and re investigation again for all the disputes that got denied or rejected for because I disagree with the old decision XXXX  it and I want a new decision for all of them and assign it to a new case XXXX and assign it to a new dispute claim XXXX and I also need this information from y'all Please give me the status on my XXXX opening disputes claims with its claims numbers and amounts and business names and account number for checking is XXXX etc.

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX, I received a check in my TDbank account, the amount was {$4200.00}, the money was withdrawn after 3 days, ( days that I did not use the money because I was not the one who deposited it ). I have requested information, explanations and documents from the bank, but they do not give me clear solutions. I already reported the case to the police and they gave me the case number ( XXXX ). 
The police told me that with the case number the bank knew what to do with it. I have gone to the bank twice. The first time they asked me for the report number, which supposedly clarified everything. Today, XX/XX/XXXX, I went again and they told me that nothing could be done and that the report number would not serve the bank, I asked about the bank 's security, they did not notify me of anything about an incoming check or people who entered it, and the costumer service told me " there is no security '' and that does not give me a solution to my problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NC

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-10-16 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: NC

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My only income comes from XXXX from the state of California. EDD sends the funds to money network, the payment platform the state has partnered with. I then transfer the funds into my personal checking with bank of america. I had a joint account with bank of america that my soon to be ex husband overdrafted and bank of america forced closed the joint account. Bank of america took money in the amount of {$1100.00} from my personal account on XX/XX/year> to offset this, leaving {$25.00} in my personal checking account. I contacted the bank on XX/XX/year> stating that XXXX funds are protected, they agreed and said the transaction would be reversed, giving me the money back. I called again today, XX/XX/year>, and was told the reversal was cancelled because they can't tell that the funds I deposit into my checking account from XXXX XXXX are from XXXX payments. I can easily prove this, bank of america refused this and said they will not return the funds. I have no other money commingled with XXXX payments either.

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 monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-10-16 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Tilt Finance, Inc.
State: CA

Complaint narrative:
I am submitting this complaint due to deceptive and misleading repayment practices by Tilt ( also known as Empower / Tilt Financial ) in connection with a {$200.00} cash advance they deposited to my Bank. 

The company advertised repayment as XXXX, which was the only reason I agreed to authorize repayment at that time. However, after repayment was triggered, the status remained processing and not instant as represented. This delay caused multiple account disruptions and overlapping pending debits, impacting my ability to manage funds and directly interfering with other financial obligations. 

I am formally revoking my authorization for the debit attempt tied to the card, because my consent was obtained under a materially false claim. Under Regulation XXXX and UDAAP standards, an authorization induced by misleading language is not valid. The company is still attempting to process the debit even after the misrepresentation became apparent. 

I am willing to repay the advance manually at a later date, but I am requesting that the CFPB XXXX the company to halt the current debit processing attempt, acknowledge that the use of the word instant in their repayment interface constitutes misleading financial advertising, and confirm that I retain my right to repay on non-automatic terms due to their misrepresentation. 

This situation caused financial harm and account instability due to their inaccurate marketing of an instant repayment feature that did not function as stated. I request investigation, a stop on the current debit attempt, and enforcement of my right to revoke authorization and repay on adjusted terms. 


XX/XX/year>, initiated fake instant transfer repayment ) been XXXX hours and now processing finalized similar to a regular ach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
I am writing to formally dispute and demand the immediate removal of inaccurate and unauthorized information from my credit file. Upon review of my credit report, I discovered addresses and hard inquiries that are completely false, unauthorized, and unverifiable. These errors are damaging my credit profile and were not initiated, approved, or associated with me in any way.

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WY, XXXX Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-16 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My daughter and I purchased a XXXXXXXX XXXX from XXXX XXXX in XXXX Florida XX/XX/XXXX. The sales pressure, unprofessionalism of the manager XXXX, the underhandedness of the whole deal. They took advantage of the fact she was in a bind. The sunroof was broken ; the car was given to us dirty and without gas. Even the salesperson and finance person were shocked at how we were treated. The salesperson XXXX stated that XXXX rolled her eyes and gave me a nasty look because we request the bare minimum of service. The engine blew XX/XX/XXXX. We called the dealership they told us they would fix it for {$5000.00}. The car is only worth {$9000.00}!! If we had that we wouldnt have this issue. 
We tried to trade it in, but the payments were going to be {$1000.00} with the negative equity. I called XXXX XXXX XX/XX/XXXX, to find out our options. They stated they would do a dealer complaint, but it would at up to 30days. They said we could return the car to Captial One and it would be sold at auction. But did not explain the 1st time the ramifications of that move. Or we could trade it in. The person I first called stated it shouldn't take that long for the complaint. So, I kept calling about once a week to request an update, nothing. This last call today XX/XX/XXXX the gentleman was more concerned of how many times I had called instead of getting me answer to my questions. It has been 30days. Nothing, all he wanted to do was tell me to trade the car in which is not an option due to the payment. I explained that we have already tried all of those options. Luckily, I researched what would happen if we turned the car in and how it would affect our credit. So, then he says I am escalating this to the office of the " president '' and of course no one answers. I stated to him this was just unacceptable. As a loan company I would think they would not want to do business with a deceptive car dealership for this very reason. I told them I have four accounts, and I am looking to close all of them. I also tried to ask what other options we have the last time I called, and they stated nothing, we can't lower the payment and they dont refinance their own loans. Nor have they give us proof they actually filed anything with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: MI

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint to report a predatory and likely unlawful consumer loan issued to me by Crane Lending, LLC d/b/a Crane Finance, which claims to be an economic development arm of the XXXX XXXXXXXX XXXX XXXX XXXXn. 

I am a resident of Michigan and obtained a {$650.00} installment loan from Crane Finance through their website, CraneFinance.com. According to the disclosure I received, the loan carries an Annual Percentage Rate ( APR ) of 779.79 %, a finance charge of {$2800.00}, and a total repayment amount of {$3500.00} over 18 biweekly payments. 

Crane Finance asserts that this loan is governed exclusively by tribal law, not by the laws of the state in which I reside. However, I believe this arrangement violates federal consumer protection standards and constitutes an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ).

Specifically : 1.Crane Finance markets and funds loans nationwide, including to residents of Michigan, thereby engaging in interstate commerce subject to federal oversight.

2.The APR of 779.79 % is grossly excessive and likely violates the intent of the Truth in Lending Act ( TILA ) and DoddFrank Act provisions designed to prevent exploitative lending.

3.Crane Finances claim of exclusive tribal jurisdiction appears to be a shield against accountability, inconsistent with federal case law ( e.g., CFPB v. CashCall, Inc. , 2018 ; Gingras v. Think Finance , Inc. , 2019 ), which has found similar tribal lending structures to be sham arrangements when operated by or for non-tribal entities.

4.The loans disclosures, repayment terms, and collection threats likely violate TILA, the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ).

Given these facts, I respectfully request that the CFPB : Investigate Crane Finance, LLC and its affiliates to determine compliance with federal consumer lending and disclosure laws.

Assess whether its lending model constitutes a UDAAP under federal law.

Coordinate with state regulators, including the Michigan Department of Insurance and Financial Services ( DIFS ), to evaluate potential violations of Michigans consumer lending statutes and interest rate caps.

Thank you for your attention to this matter. I am available to provide additional documentation or information upon request. Please confirm receipt of this complaint and advise on next steps. 

Sincerely, XXXX XXXX XXXX : XXXX Phone # : XXXX Address : XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
I am not linked to these creditors and never authorized this inquiry. Please ensure its immediate removal.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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

Company 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 2025-10-16 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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