vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a refinanced auto loan through XXXXXXXX XXXX to include life/disability insurance, and the representative XXXX XXXX explained in detail that if I were to get sick and couldn't make the payments this insurance would cover the payments. I also provided my insurance which satisfied the required request for full coverage. 

In XX/XX/XXXX at XXXX a email was generated by their representative and on XX/XX/2024, the documents were signed to include the life and XXXX insurance. 

Well later that same year I got sick and had to miss work and such I contacted XXXX XXXX and was told the insurance only covered me if I die and the insurance was offered not from XXXX XXXX  but from XXXX XXXX which was the previous finance company. 

I contacted XXXX a total of XXXX times and no one seemed to know anything about this insurance other than it came from XXXX XXXX. I called XXXX XXXX and was told that XXXX did not tell the truth, and XXXX XXXX was paid for the loan there is no contracts with XXXX XXXX. 

I still had the emails from XXXX XXXX with XXXX, so I filed complaints meanwhile the contract that was to protect me if they were any health conditions did not protect me at all which breached XXXX contract. 

I also experienced monthly request for insurance even though I provided declaration pages and the insurance company I was insured through did provide confirmed emails of insurance declaration pages being sent. 

I complained that the company breached their contract with me and was told XXXX XXXX no longer works for the company and the information XXXX XXXX me was in error. The company representative went on to say it's just for life insurance and not XXXX or health ' I told the representative I have an email and recorded conversation. The company apologized but refused to cancel the contract the remedy for this company was to sign yet another contract without the life insurance policy attached. 

I went on to inform the company this is still a breach in contract rather it was an error or not, the company attempted to have me sign another contract this time without the Life insurance, so I returned the vehicle and cancelled the contact after losing a lot of money due to the insurance not being available when I needed it and the bait and switch tactics used to get me financed. 

Now this repossession is on my credit report and is making it difficult to get 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 non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This is a third party company that a debt was sold too. Ive asked the credit bureaus multiple times to verify the debt. Every month the company increases the amount by {$1.00} to continue to lower my credit score. Im sick of this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: MI

Complaint narrative:
Loan servicer was changed without notice to Aidvantage from XXXX. They claimed to have sent a letter but I did not receive that notice. 

As soon as I found out in XXXX, I logged in to set up payments. Reviewing the account, I discovered they had the wrong payment amount ( higher than previous noting i was not part of an income based program ). Digging into the issue, they had the wrong total and possibly even incorrect interest rates. 

That same day, I made a call and asked for corrections. 

They failed to action. 

I tried again, and was met with issues even getting them to answer their phone. 

In XXXX, they said they had a work order in to correct. Called later to see what happened and they claimed not to have a work order on file. 

I went through several rounds of this going back and making complaints to XXXX and to the XXXX  on a couple occasions. 

The last time I spoke to them, they indicated they would fix the account and remove the interest that accrued while dealing with the issue. 

They never sent me notice except to check the account. But they did XXXX things. 
XXXX they never actioned to correct the initial error or explain the issue. 
XXXX they made several changes to my account without notice or permission XXXX the chose to only communicate through their website requiring be to log in and accept horrendously unacceptable & likely illegal terms of service including personal liability prior to being able to ensure the account is correct. 

Yesterday I called again to get the correction. They said " wait time is over XXXX minutes '' and they never answered. After several minutes there was a beep and the hold music stopped. I waited in silence for several more minutes, totalling over XXXX minutes before I had to hang up and go back to work. 

This is not the first time they failed to answer a call. 

The loan would be fully paid if they had corrected it in XXXX. 

I have been working on this problem now for XXXX  years. 

I don't know what to do, but this organization was recommended through a XXXX search. 

How do I get my issue corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: WV

Complaint narrative:
I am a veteran that is 100 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX  deemed by the VA. I submitted back in XX/XX/XXXX for a forgiveness on my student loans and in XX/XX/XXXX it went to in review and it still says in review. I submitted all the paperwork needed. It says on the website it only takes 3 business days. But I have been months. When I called and did finally get someone to speak to they told me its in review. Well I could already see that I ask them if they could find out what the hold up was. But they could only tell me its in review. Then they tell me I can call my loan servicer and request a forbearance for 120 days I tried to call the default dept and was on hold for an hour then the phone just hung up on me. I tried to call back and was put on hold then it hung up again. You can't even get thru to speak to anyone. I have sent an email requesting the forbearance but it says it could be up to 10 days. I understand everyone is busy but to not get anything done within this time limit is ridiculous. I would like to ask if there is any assistance you can give me with this. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunately it has been over 30 days and no accounts was updated.

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 2025-04-24 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: NH

Complaint narrative:
Good evening This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : XXXX  : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
On XXXX XX/XX/XXXX  my USAA checking and savings accounts were restricted from my access. I was also informed that after a period of 60 days my accounts and membership would be cancelled. I asked for the reason why and was only told that in the USAA policy rules that I had been given 12 years prior described they had the right to cancel membership with USAA and give a 60 day notice. I asked how I would be able to take care of my everyday needs if I was not able to access my funds. I was told that this was determined by the back office and I could not access my funds. I explained that my sources of income were directly deposited into my USAA account. Without access I was unable to pay any financial obligations I had. I was informed that there was nothing that could be done. I had no access to my funds. I was told that after 60 days I could request a quick action be submitted and a check for the total in my account be mailed to me. 

I have made contact with USAA on approximately 3 separate occasions since my initial notice of my restricted accounts. On all 3 occasions I was basically informed that I had no access to my funds for daily needs I am unable to pay for groceries, rent, and other needs without access to my funds.

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 2025-04-24 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: MI

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 non-monetary relief
Consumer complaint received 2025-04-24 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-24 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-24 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: IL

Complaint narrative:
Made payments in XXXX, {$36.00}, {$8.00} and {$55.00} which paid the account off. Information that is reflected on credit report. XXXX  and XXXX  showing {$440.00}. outstanding. This is my fifth time disputing these items on my report and I'll continue until the information is reported correctly ( XXXX balance ) We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Ive been trying to get my account balance corrected for over a month. I filed a dispute with XXXX  and provided a copy of my most recent statement, which clearly shows that there is no balance owed. However, on XX/XX/scrub>, 2025, I received an updated credit report indicating that the information has not changed. Im requesting that this error be addressed and the report be updated accordingly. Please let me know what further steps I need to take to resolve this. INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Historical Trended Data. Here is how this account appears on your credit report following our investigation. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
the unexpected closure of my XXXX XXXX Credit Card account happened on XX/XX/year>. I was not provided with any prior notice or explanation regarding this action. In addition, I had accumulated XXXX XXXX XXXX totaling over {$800.00} in value, which were forfeited following the account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: MS

Complaint narrative:
im sending kia finance america a dispute letter requesting deletion of the inaccurate and incomplete account they are reporting on my credit report without my consent, next since it charge off i am requesting documentation from them concerning the charge off, and they are stating that its a auto loan when its a retail sales contract which is inaccurate and account need to be deleted. i have also attach a copy of the letter that i am requesting information below.

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 2025-04-24 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: TN

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
Transunion has different information on their app which I make payments for XXXX XXXX XXXX but when creditors try to pull my credit score they get no score avaliable which has caused multiple inquiries and multiple declines on my credit report. I asked them to eliminate all inquires on my report due to their inaccurate reporting. They will neither explain why this has occurred 2 times nor cooperate with me in providing what the problem, According 15 us 1681 for accurate information.and also 91 508 public law. This has caused much damage to my credit report because of the many declines do to Transuion inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief