vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Aidvantage - XXXX XX/XX/XXXX, I went and created the log in to the Aidvantage website and paid them and hit the autopay button. Apparently, it was not turned on, and Aidvantage didn't notify me. They had my phone number but claimed they used the other number on the account, which had not been my number since XXXX and they were notified of this. The where paid in XX/XX/XXXX and went in notified XXXX of nonpayment in XX/XX/XXXX, again not notifying me or giving me the 90 grace period that they allow according to their web site. When I found out that they had not turned auto pay on, I immediately paid the account for the amount due and turned auto pay on, again it didnt turn on. I waited until the bill posted and again turned on auto pay. Again it didnt activate even though the site said auto pay to my checking account that they had on flie. I literally watched my account go from delinquent to good standing to turn on auto pay to delinquant in a seven hour period in the same day last week. I again called them the next day and paid an additonal amount and asked for auto-pay to be turned back on, the company could not tell me wither the auto-pay was actually turned on and told me to check back in on them in 10 days. when I called the call center to complain, I spoke to a supervisor that told me that Aidvantage would provide a letter to the credit agency and then later the same day I was told that they would not. I have been hung up on 3 times by their customer service group as well as never connected to a manager when requesting this and left on hold for over 3 hours.

They need to provide the letter of correction that they have promised. they also need to report the account as being paid, this has been going on for weeks and the credit agencies still see the account as not paid!!!

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX WI, XXXX TransUnion TransUnion Consumer Solutions XXXX XXXX XXXX, PA 19016-2000 To Whom It May Concern, I am writing to formally request the Method of Verification ( MOV ) regarding the disputed account that XXXX recently claimed to have verified. Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I have the legal right to request and receive detailed information on how this account was verified, including : Disputed Account Details * Creditor Name : XXXX XXXX * Account Number : # XXXX * Reported Inaccuracy : NOT MY ACCOUNT MOV Request Demands As per federal law, I am requesting that XXXX provide the following within 15 days of receiving this letter : 1. The name and contact information of the individual or entity that verified the account.

2. The method and process used to verify that this account belongs to me. 
XXXX. A copy of any documentation provided by the furnisher ( XXXX XXXX ) that supports this verification. 
XXXX. Proof of my consent or signature linking me to this alleged account. 
If XXXX can not provide this information, then it is in direct violation of 15 USC 1681i ( a ) ( 5 ) and must immediately delete this unverifiable account from my credit report.

Failure to Comply & Next Steps If I do not receive a detailed response with the required information within 15 days, I will take the following actions : 1. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for failure to comply with my rights under the FCRA.

2. Report this violation to the Federal Trade Commission ( FTC ) and my State Attorney General for further investigation. 
XXXX. Pursue legal action against XXXX for non-compliance under 15 USC 1681n & 1681o, which may include statutory damages, punitive damages, and attorneys fees.

Final Notice This is a formal legal request, and I expect a written response with the requested verification details within the legally mandated timeframe. Failure to comply will confirm that TRANSUNION has no valid proof of this accounts accuracy, requiring its immediate deletion. 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide the requested information. 
Sincerely, XXXX XXXX Attachments : * Copy of identification ( Drivers License or Passport ) * Utility bill or bank statement for address verification * Copies of previous dispute correspondence

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report.

Dear Equifax, Transunion, Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failure to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the inaccurate information being reported.

Under the FCRA, you are required to : Conduct a proper investigation in to the dispute.

Inform me of the results of the investigation in a clear and comprehensible manner.

Provide me with any documentation you rely on if the disputed information is verified as accurate.

Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/year> someone opened 2 online savings account under my login id I was not aware that at all I tried to login my account multiple time and my online account locked I tried again its locked I contacted to customer support they said send some documents I sent all multiple times still not active I called today than they said u have joined person in ur account need id as well that person I was really confused then they explained me u opened 2 more accounts on XX/XX/year> with that person jointly I was shocked I never ever done like that and transferred 2 transactions from my existing account to that new accounts it was Amount : {$240000.00} XXXX XXXX  Amount : {$240000.00} with Barclays Savings account that time I was traveling in flight I was not aware XXXX all how that happened I really needed my money back its very hard working money & need to arrest that fraudulent people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am unable to obtain my credit report, I wasn't living in XXXX for over XXXX  years, now I'm back to my Country and found that my SSN has been used and it all messed up. It was recording name is XXXX XXXX but this XXXX has been issued for XXXX XXXX. All Bureaus must delete all negative accounts reporting under XXXX XXXX within 30 days of the notice.,

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

Complaint narrative:
To Whom It May Concern, I am writing to dispute an inaccurate account listed on my XXXX credit report under : Creditor Name : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Original Balance : {$4300.00} Past Due / Balance Reported : {$7200.00} Last Payment Date : XX/XX/XXXX Charge-Off Reported Date : XX/XX/XXXX This account contains multiple inconsistencies and potential Fair Credit Reporting Act ( FCRA ) violations : 1. The balance has increased significantly beyond the original loan amount, suggesting excessive and predatory interest or fees.

2. The account appears to have been re-aged, with the charge-off date recently updated ( XX/XX/XXXX ), despite no payment activity since XX/XX/XXXX. 
XXXX. Reporting a major delinquency nearly two years after the first delinquency ( XX/XX/XXXX ) is misleading and impacts the accuracy of my report. 

Additionally, under North Carolina law ( N.C. Gen. Stat. 24-1.1 ), lenders may not charge excessive interest without proper licensing. The balance reported on this account has increased significantly beyond the original loan amount with no payments made, suggesting unlawful interest accrual. Furthermore, re-aging a debt past the true date of delinquency violates both FCRA and North Carolina General Statutes 75-55. 


I request that XXXX conduct an immediate investigation and delete this account if the reporting can not be verified with complete accuracy and full compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
Voluntarily surrendered a vehicle XXXX XXXX XXXX XXXX XXXX  I paid a balance up front but was never provided any additional details on a remaining balance. I was just recently informed that they have been reporting late payments for over 5 years but wont provide any details to me Ive attempted to reach supervisors XXXX have had no luck getting any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account with XXXX XXXXXXXX, Capital OneXXXX XXXX XXXX XXXXXXXX XXXX, and XXXXXXXX XXXX that are inaccurate and not properly verified I have disputed these directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under US 15C 1681S2 A furnisher must report accurate information under 15 USC1691I the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting. Also under 15 USC 1681b and USc 1681 2a late payments should not be reporting on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: NJ

Complaint narrative:
I am sending to formally dispute inaccuracies in my credit report and to demand compensation for your companys repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

Violations Cited by the CFPB The CFPB alleges that Experian engages in the following harmful practices : Conducting sham investigations : Experian fails to properly address consumer disputes by relying on faulty intake procedures and uncritically accepting responses from furnishers, even when they are improbable or unreliable. 
Improper reinsertion of inaccurate information : Experian reintroduces previously deleted inaccurate information without explanation, often under the name of a new furnisher, due to a lack of basic matching tools. 
Failure to notify consumers adequately : Experian provides notices to consumers that are confusing, ambiguous, or incorrect, failing to inform them of the actual results of investigations. 
These actions, as outlined by the CFPB, threaten consumers access to credit, employment, and housingkey areas that significantly impact financial stability and quality of life. 

My Dispute I have identified the following inaccuracies in my credit report that require immediate correction : ACCOUNTS XXXX XXXX  - XXXX - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 


PERSONAL INFORMATION Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX - The personal data reporting is inaccurate. 
Despite my previous efforts to address these errors, they persist, and I suspect your improper practices have played a role in their continued presence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
2.Sarver v. Experian Information Solutions , Inc. XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
3.Henson v. Santander Consumer USA , Inc. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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 explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive had multiple calls to my mortgage company. Each representative gives different or incorrect information. My loan was in XXXX. When given the option to start a payment plan, I was given incorrect information. The bank incorrectly reported my loan as XXXX days late. I continually escalated and they agreed to fix it and correct the bad reporting. They also sent a letter acknowledging the error. The updated the report and then reported it incorrectly again a few days later. I called and also filed a dispute with the credit bureaus. The mortgage company still disputed the correction even though the letter they sent was attached and my account should be noted. It has been extremely difficult dealing with this bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

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 XXXX XXXX XXXX XXXX, 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