vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: DC

Complaint narrative:
I am writing to formally address a serious matter involving the unauthorized use of my personal information and the deceptive enrollment into credit repair services provided by your company, XXXX, as a result of my interaction with Credence Resource Management. 

On a recent call to Credence Resource Management, I intended to settle a debt originally owed to XXXX, which had been sold to Credence Resource Management agency for collection. During this call, I was ledthrough misleading and manipulative tacticsto believe that the payment of {$530.00} I authorized would be applied toward the settlement of that debt. Instead, I later discovered that this payment was diverted to a credit repair service provided by XXXX, which I did not knowingly agree to, nor did I have any prior intention of enrolling in. 

It is my belief that this conduct constitutes predatory and deceptive practices. Furthermore, this directly violates federal consumer protection laws under U.S. Code Title 15, XXXX  XXXX, XXXX XXXX, XXXX, which states : ( a ) No person may engage, directly or indirectly, in any act, practice, or course of business that constitutes or results in the commission of, or an attempt to commit, a fraud or deception on any person in connection with the offer or sale of the services of the credit repair organization.

( b ) No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed. 

Given the circumstances, it is clear that both XXXX and Credence Resource Management have violated these statutory protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
Mohela is reporting inaccurate information to the credit bureaus causing a significant drop in my credit score by XXXX pts. This inaccurate information is negatively impacting my overall credit score. Requesting for the XXXX pts to be restored and/or loans forgiven due to the Doge security breach of access to student account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc.
State: MD

Complaint narrative:
Carmax Auto Finance threatening to sue me to should i not pay XXXX $ within XXXX, without proof of validation if this account is mine or not, Gross violation of my consumer right by not providing forward flow agreement as per my earlier request and also not properly following the law, by first going through arbitration suppose the debt was validated ( debt has never been validated ) as a first dispute resolution mechanism as per the contract ; I have attached letter and other copies as a proof of consistent proof of intimidation, and continual avoidance to address the issues request, last time I complained through CFPB they did not read the complain, referring to my complain as a duplicate which is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I described the problems in the attached page with the evidences in the attached files. Please check those out. Should you have any questions please let me know. Please also note that, as mentioned above in the attached letter, they tend to post the exact or more numbers when I lost. For example, the next day ( XX/XX/year> ), I lost about {$12000.00} and they posted it exactly in my balance. Unfortunately, they tend to post less amounts when I gained like the problem in this complaint happened on XX/XX/year>. Please check it out and required them to correct it to the right amount that they took it away from my account. 

Thanks for your time

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 2025-04-19 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: VA

Complaint narrative:
" My personal and financial information was compromised violating FERPA. This data breach is a CLEAR violation of FERPA ( FERPA Act U.S Code Title 20, Section 1232 ). My private account information is no longer being private nor secure, which is your responsibility to SAFEGUARD my information. I request full cancellation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: EdFinancial Services
State: PA

Complaint narrative:
Unauthorized Access to Federal Student Loan Information To the Consumer Financial Protection Bureau, I am writing to report unauthorized access to my federal student loan information by a third party. I believe this constitutes a privacy breach and potential violation of the Privacy Act of 1974 and other applicable regulations. 

Account Details- Loan Servicer : EdFinancial Services - Account/Loan Number : XXXX Description of Incident On XX/XX/XXXX, I discovered that my federal student loan information was accessed by a third party other than my designated loan servicer, EdFinancial Services . This unauthorized access occurred without my knowledge or consent. 

Impact and Concerns This unauthorized access raises significant concerns about : - The security of my personal and financial information - Potential identity theft or fraud - Violation of my privacy rights under federal law - Inadequate security protocols at my loan servicer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I and my family lived in XXXX at champions XXXX XXXX XXXX tx XXXX from XXXX to XXXX. When we moved out in XXXX they settled our account and took our deposits. In XXXX 8 years later they said we owed {$200.00} and they sold the account to a debt collector agency operated by just one person called Columbia debt recovery. I called the apartment complex to speak with the manager but they wont let me speak to he/she. I tried to explain to the clerk that if I owed any money why wait for 8 years to sell the debt and why didnt the apartment complex contact me for years. She hung up on me after telling me they sold the apartment to a different company and thats not their problem. I called the debt collectors office and the man ( XXXX male ) when I refused the debt they placed in my credit said I should go do whatever I want to do, that I have to pay them. This sounds very fishy. Please I need your help with investigating these people. They manufacture debt with peoples informations and they are robbing people with the system. I wonder how many people have fallen victim to their schemes. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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:
Heres whats wrong or inconsistent with this settled creditcard tradeline across your three reports : Payment Status vs. Account Status TransUnion & Equifax list the account as Paid/Current, yet Experian shows a 30day late in the 2year history. A settled account shouldnt still carry a recent delinquency.

High Credit vs. Credit Limit TransUnion & Experian report High Credit = {$9500.00} with Limit = {$10000.00}, but Equifax flips thisshowing High Credit = {$10000.00} and Limit = {$0.00}. The credit limit cant be zero on a revolving card.

Last Active and Last Payment Dates TransUnion & Experian agree on a Last Payment of XX/XX/year>, but Equifax lists Last Payment XX/XX/year> and Last Active that same earlier date. All three should match the actual settlement date. 
Conflicting Closure Comments TransUnion : Settledless than full balance Experian : Account legally paid in full for less than the full balance Equifax : Settlement accepted on this account plus Closed or paid account/zero balance.

These should be standardized to one clear settlement comment.

OutofCycle Reporting All three show Last Reported XXXX, but Experians paymenthistory chart implies activity into XX/XX/year>.

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have never opened a credit card in my life but I have debt with multiple credit agencies. I cant even log into XXXX XXXX it has someones personal email attached. I need this resolved immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting a formal complaint regarding the inaccurate and inconsistent reporting of my XXXX XXXX auto loan account ( # XXXX ) across the XXXX major credit bureaus : TransUnion, XXXX, and XXXX. There are several critical discrepancies affecting my credit profile. First, the account open date is reported differently TransUnion lists XX/XX/XXXX, while XXXX  and XXXX  report XX/XX/XXXX. The loan term is correctly listed as 75 months with TransUnion and XXXX, but XXXX  inaccurately reports it as 0 months. The Date Last Active varies across bureaus : TransUnion shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX, and XXXX  lists XX/XX/XXXX. Likewise, the Date of Last Payment is listed as XX/XX/XXXX with TransUnion and XXXX, but XXXX  reports XX/XX/XXXX. Additionally, XXXX  includes comments such as Auto, Fixed Rate, while TransUnion and XXXX  leave the comments section blank, creating inconsistency. 

Most importantly, all three bureaus report a 30-day late payment in XX/XX/XXXX, which I believe is inaccurate. I am requesting that the CFPB place specific emphasis on this reporting and require that the data furnishers or credit bureaus provide documented proof that this payment was in fact late, including original statements, account ledgers, or verified billing records. If they are unable to verify the accuracy with proper evidence, I request that the late payment entry be permanently removed from all three credit reports in compliance with the Fair Credit Reporting Act ( FCRA ) Section 611, which requires deletion of unverifiable information.

This inaccurate reporting has already negatively impacted my credit profile. I was recently denied credit by a major lender, and the denial letter cited derogatory remarks related to this auto loan. My score has dropped due to this error, affecting my ability to access new credit, refinance existing debt, and move forward with personal financial goals. These reporting errors are causing unnecessary stress and financial harm. I respectfully urge the CFPB to investigate these discrepancies and ensure the credit bureaus and furnishers comply with federal law in providing accurate and fully verifiable 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
Consumer complaint received 2025-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
on thursday XX/XX/XXXX i found a buyer for my auto. im in the final year of installments and i have struggled to make the almost XXXX payments. the new buyer sought financing through the local credit union. they needed payoff and a copy front and back of the title to proceed with purchase. they received payoff but not copy of title. i contacted truist again asking to a copy of title to be sent to the new lender. they stated i could not have a copy of the title until loan was paid off. i explained that i was trying to sell auto and the credit union not myself needed this. i spoke with them again on the XXXX where they informed me that since the account was past due i couldnt get a copy of my title. i told them again im trying to pay you off but the new lender needs this to proceed with transaction. they transferred me again to only be told that i could not have a copy until loan was paid off. i understand i cant get the original title but please explain to me what harm it would do to send another lender a COPY of the title. they have caused me great XXXX  and possibly a missed opportunity. the orignal amount was XXXX ive paid it down to 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 2025-04-19 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: U.S. BANCORP
State: MN

Complaint narrative:
I am a victim of identity theft. I was involved in the XXXX XXXX Data breach and was alerted late 2019. I was also apart of the XXXX data breach. I made the companies listed in my FTC report aware of this and ask the collection agencies to provide the orginal loan documents and the information on how these accounts were obtained. They were unable to provide this info. Also some of the addresses they had listed for where these cards were open were not mine. When I sent a request via writing I received no repsonse.

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 2025-04-19 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am the victim of identity theft. I did not authorize, open, apply for, or benefit from the fraudulent account ( s ) or transaction ( s ) listed below. These activities were committed without my knowledge, consent, or participation. I became aware of the fraudulent activity, when I recently found out. Upon investigation, I confirmed that the following account ( s ) or inquiries are fraudulent and were not initiated by me : - [ List creditor name and account number or description ] - [ Additional fraudulent item ( s ) ] I have taken steps to protect my identity, including [ briefly mention actions you took : e.g., filing a police report, freezing my credit, notifying the creditor, filing an FTC report, etc. ]. I respectfully request that all fraudulent accounts, inquiries, or information related to this identity theft be blocked from my credit report under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. I declare under penalty of perjury that the information in this statement is true and accurate to the best of my knowledge.

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 2025-04-19 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am the victim of identity theft. I did not authorize, open, apply for, or benefit from the fraudulent account ( s ) or transaction ( s ) listed below. These activities were committed without my knowledge, consent, or participation. I became aware of the fraudulent activity, when I recently found out. Upon investigation, I confirmed that the following account ( s ) or inquiries are fraudulent and were not initiated by me : - [ List creditor name and account number or description ] - [ Additional fraudulent item ( s ) ] I have taken steps to protect my identity, including [ briefly mention actions you took : e.g., filing a police report, freezing my credit, notifying the creditor, filing an FTC report, etc. ]. I respectfully request that all fraudulent accounts, inquiries, or information related to this identity theft be blocked from my credit report under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. I declare under penalty of perjury that the information in this statement is true and accurate to the best of my knowledge.

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 2025-04-19 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:
Account # XXXX * * * * : Account Summary XXXX, XXXX, Equifax Type : Revolving Credit Card Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX : {$800.00} High Credit : {$1400.00} Status : Marked Open but XXXX Code shows Terminated Last Payment/Active : XX/XX/XXXX Last Reported : XX/XX/XXXX Payment History : OK with no delinquencies XXXX. Inconsistent Status : The account is reported as XXXX, but its also listed as Terminated in the bureau code. This is conflicting and should be corrected. 
XXXX. XXXX XXXX : No detailed payment history from Experian or XXXX TransUnion shows activity. 
XXXX. Outdated Reporting : XXXX reported in XXXX. If the account is still active, it should be updated regularly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
I ordered hair from a company and got sent hair that wasnt what was described or ordered. When I tried to return the hair the seller ignored me and wouldnt allow me to return chime said that there was no issue with that and wont give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. XXXX, Section XXXX, I have the right to privacy. Additionally, 15 U.S.C. XXXX, Section XXXX ( a ) ( XXXX ), states that a consumer reporting agency may not furnish a consumer report without my written authorization. Furthermore, under 15 U.S.C. XXXXb, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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