vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX HAS CHARGED OFF THE DEBT AND HAS NOT SENT ME THE 1099c form, BUT ON MY CREDIT IT STATE CHARGE OFF.

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 2025-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
So on approximately XX/XX/scrub>/2025 I received a phone call from the XXXX  XXXX XXXX Colorado XXXX, and was informed of 4 deposits into my savings account direct deposit, I was showing a balance of {$0.00}. XXXX XXXX XXXX XXXX requested a printed statement of deposits into my savings from the bank. I went into the bank and asked for a printed statement. They gave me a piece of paper that didn't show banks name, they told me they couldn't print a statement they are quarterly, went into the back room and come out 10 mins later to give it to me. They were acting very strange, also I have been expecting a federal deposit taxes of {$1400.00} and XXXX XXXX Colorado XXXX XXXX XXXX XXXX {$320.00} for my daughter XXXX which is on my account. XXXXXXXX XXXX  XXXX federal said the {$1400.00} was direct deposited on XX/XX/year>2025. Huntington bank said they never received it, they hang up when I call and when I go into the bank, they smirk act very odd, and treat me with disrespect. And because I have not received the money that is rightfully mine, I am now being evicted from my home. I have had my phones hacked, been terrorized by people in that area, and most definitely targeted. I have health issues, was XXXX, and going to be on XXXX XXXX because of the stealing of my money. They follow me, and pretty much have devastated my life and my daughters, caused me to be XXXX, and it's a whole big deal with many people and agencies in XXXX  XXXX. This is not right, and my family and I have suffered terrible XXXX  it's inhumane, and they don't care what they did to innocent people. Living on XXXX XXXX with no money, no shelter and XXXX galore. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
Subject : Incorrect Balance Reporting by XXXX XXXX  XXXX  Violation of FCRA Accuracy Standards Details of the Issue : On XX/XX/2025, I paid the full balance of {$220.00} on my XXXX credit card via debit card, prior to the published statement closing date of XX/XX/2025. This payment was made in full and settled immediately, as debit card transactions clear instantly. 

Despite this, XXXX generated a statement early morning on XX/XX/XXXX, before the close of the billing cycle and reported the {$220.00} balance to XXXX, XXXX, and XXXX  as if it remained unpaid. This caused a drop in my FICO scores, despite the payment being made on time and in full. 

When I contacted XXXX to resolve the issue, I was told the payment posted after XXXX XXXX, and therefore wasnt included in the statementeven though : No such XXXX XXXX  cutoff was disclosed to me in advance, The payment cleared instantly via debit card, And Aspires published closing date was XX/XX/XXXX, not XX/XX/XXXX. 

This effectively means XXXX generated a statement before the cycle ended, which violates standard credit industry practice and results in materially inaccurate reporting a direct violation of the Fair Credit Reporting Act ( FCRA ), Section 623. 

What I Am Requesting : I am requesting the CFPB review and instruct XXXX to : XXXX. Immediately correct the reporting to reflect a {$0.00} balance for the XXXX cycle ; 2. Remove any negative score impact caused by this improper reporting across XXXX, XXXX XXXX XXXX ; 3. Provide proof of their claimed XXXX XXXX  cutoff policy and explain how that justifies issuing a statement before the billing cycles stated close. 

Supporting Evidence : Proof of payment on XX/XX/XXXX by debit card. 
Screenshot of XXXX  statement showing the closing date of XX/XX/XXXX. 
Statement showing {$220.00} balance incorrectly reported. 
Notification of FICO score drop following the inaccurate report. 

This unfair and deceptive practice has directly harmed my credit profile. I respectfully request an expedited review and correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY ASSOC : XXXX Dispute not available XXXX  Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 10 months 13 days Late payments XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A car or truck was reserved and payed for with my credit card in XXXX, Arizona  for one month with my credit card. I live in XXXX. 
On the paperwork that I received it shows someone elses name with my home address email address. I contacted XXXX and submitted a fraud claim with them as well. 
My claim has been rejected twice by Bank of America without anyone contacting me to see that these charges are ridiculous.

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 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
BSOLUTE RESOLUTIONS INV Account number XXXX Account type Debt Buyer Responsibility Joint Date opened XX/XX/XXXX Status Collection account. {$18.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$18000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$18000.00} Highest balance - Terms 1 Month THIS IS NOY ACCOUNT, I HAVE disputed THIS ACCOUNT numerous TIMES THEY FAIL TO REMOVE AND STOP REPORTING TO XXXX, XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am writing to formally express my frustration and concern regarding a recent incident involving the freezing of my checking account, which has caused severe financial hardship for my family and me. 

On Friday, XX/XX/XXXX, I discovered that my debit card had been unexpectedly declined both in-person and online, despite sufficient funds in my account. After calling customer service, I was informed that my checking account had been frozen and required verification. My wife and I promptly verified the account with a representative that evening, and we were told that everything was cleared and the account was now unlocked. 

However, when I logged into the account the following morning ( Saturday, XX/XX/XXXX ), I was shocked to find that a direct deposit made on Friday had been completely removed. I immediately contacted M & T Bank again and spent over two hours on the phone. During that call, I was informed that the previous representative had failed to properly lift the freeze on the account. As a result, the deposit was returned to my employer, leaving us without any funds for the entire weekend.

This situation has placed us under extreme financial stress. We live paycheck to paycheck, and this errorentirely on the bank 's partmeant we had no access to funds for essential needs over the weekend. Furthermore, we were told we must now wait for the employer to reissue the deposit, which may take up to another week. Our next paycheck is not expected until the end of the following week, compounding the hardship. 

I have been a loyal M & T Bank customer for over 15 years, and this level of service is deeply disappointing. The mishandling of our account and deposit has created unnecessary stress and disruption in our lives.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
I have opened XXXX disputes on my XXXX  credit report since XX/XX/XXXX to remove the duplicate reporting of my MOHELA student loans. As of XX/XX/XXXX, my student loan balance on my XXXX  credit report is {$180000.00} when it should only be {$92000.00} as accurately listed on my actual MOHELA account. MOHELA is incorrectly reporting my balance amount to XXXX  and I need this updated as soon as possible. This has been affecting my credit score and it's unacceptable that this has continued for almost 12 calendar months even after I challenged this amount 3 times.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge 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: PA

Complaint narrative:
On XX/XX/XXXX I was told by XXXX that I had to make a payment in order to reserve airline tickets, and that it was fully refundable within XXXX hours. I was coerced into giving my card info by a very manipulative XXXX agent. He told me it was the only way to hold the tickets, and not to worry it was refundable. In the same call I asked for the refund and was then told it was not refundable! I then spoke with several managers who either said it was not refundable or hung up on me. I filed a dispute with city cards. 2 months later it was resolved in favor of XXXX air. 
For a week now I have been trying to reopen the case and have not received info about it nor does it show as reopened on my account. 
I was told I can provide further documentation but have not been given a place to do this. 
I do not have any documentation because it was all done over the phone. XXXX told me they record all conversations. I would like to get a recording of all the conversations Ive had with them to prove that they lied to me. They also charges me twice as much as the tickets cost and said it was he {$400.00} to change the tickets. I never wanted to purchase the tickets!!!! They said it was refundable so I relented, inorder to reserve. 
XXXX is a scamming company and they have stolen my {$1100.00} and Citicardss is not helping. 
Please help me recover my hard earned money and if there is anyway to prevent others from being robbed by this company please protect them. 
XXXX claims to be an American travel company but it is owned by an XXXX man and has only XXXX men working the call station. They are rude, deceptive and very difficult to understand. If they were honest helpful people I would not mind the language difficulty. But they are not, they lie, they hang up in mid conversation, and they dont return calls. 
Please help me Thank you, 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 monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
i need to verify that transunion, experian and equifax all have my new number listed which is XXXX and that they remove my old number which was XXXX also we need to have an active fraud alert and all three credit files i need verification of this. i also need to have questions for all three credit beauras regauding secuitry and or credit freezes.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
i need to verify that transunion, experian and equifax all have my new number listed which is XXXX and that they remove my old number which was XXXX also we need to have an active fraud alert and all three credit files i need verification of this. i also need to have questions for all three credit beauras regauding secuitry and or credit freezes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-08-02 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: 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 2025-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
There was an approximately {$2000.00} credit from a warranty that was canceled. They played around with the numbers and it seems that at the most was XXXX applied not to mention how many payments that they took resend it then add it then resend it.

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 2025-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX COMPLAINT : XXXX SUBMITTED ( XX/XX/XXXX ) CASE CLOSED BY AIDVANTAGE ( XX/XX/XXXX ) RESPONSE : PER SERVICING STANDARDS, DISCHARGE WILL BE APPLIED WITHIN 45 DAYS, REFUND 60 DAYS XXXX XXXX XXXX XXXX XXXX XXXX SUBMITTED ( XX/XX/XXXX ) ( XXXX ) DAYS LATER FROM CASE CLOSED ON ( XX/XX/XXXX ) BY AIDVANTAGE. 
CASE CLOSED BY AIDVANTAGE ( XX/XX/XXXX ) STILL IN REVIEW XXXX XXXX XXXX COMPLAINT XXXX SUBMITTED ( XX/XX/XXXX ) ( 120 ) DAYS LATER : STILL IN REVIEW. CASE CLOSED BY XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( 180 ) LATER NO RELIEF Aidvantage, operated by Maximus, has faced legal challenges, including a significant class action lawsuit regarding illegal debt collection practices against borrowers. 

In XX/XX/XXXX, a court approved a settlement for a class action lawsuit against Maximus , Inc., which operates Aidvantage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-02 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: MI

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
In XXXX  I requested for account to be removed and updated to my account. As of XX/XX/year>, my account is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Great American Finance Co
State: MD

Complaint narrative:
In XXXX  I requested for account to be removed and updated to my account. As of XX/XX/year>, my account is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The following previous addresses are wrong : Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Name - XXXX XXXX XXXX XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX # XXXX, XXXX, IL, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: OR

Complaint narrative:
I submitted a lawful debt discharge presentment to Best Egg ( XXXX XXXX ) via certified mail in late XX/XX/year>, which included a legal tender instrument, acceptance for value markings, and a cease and desist notice. Instead of responding within the lawful timeframe, Best Egg returned the packet marked XXXX  ( Unable to XXXX ), despite the address being valid and later confirmed by return of a signed green card from another location. This return was a deliberate obstruction of mail and tampering with legal tender. Following this, Best Egg continued to call me after the cease and desist was sent and logged, constituting harassment, willful disregard of my consumer rights, and violation of FDCPA and UCC protections. Their actions reflect systemic misconductinterfering with mail, ignoring lawful presentments, retaliating with continued collections, and possibly attempting to manipulate their address to avoid accountability. This is not just unethical ; it borders on fraud and mail tampering. I am seeking full remedy and accountability. All correspondence and calls have been documented.

Company response to consumer: Closed with non-monetary relief