vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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:
Transunion violated my rights as a consumer by not blocking FRAUDULENT information resulted from identity theft by Transunion furnishing these accounts on my consumer report. I, the consumer, demanded a block on the fraudulent information pursuant to 15 U.S. Code 1681c-2 no later than four ( 4 ) business days after the date of receipt. Transunion completed an " investigation '' on XX/XX/2025, however the fraudulent information is still not blocked and removed, please note XXXX already blocked and removed this information. I have attached all required consumer documents for Transunion to block the fraudulent information ; a copy of government issued identification card, a copy of a current utility bill, a copy of an identity theft report, a statement by the consumer in the identity theft report and CFPB complaint.

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 2025-08-26 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 reviewed my credit reports and found several accounts and inquiries still being reported inaccurately. An XXXX XXXX account with a XXXX balance is still flagged as derogatory even though it is closed and paid, and another XXXX XXXX account is showing a 30-day late in XX/XX/XXXX without any proof of delinquency. A XXXX XXXX  credit card continues to report a 30-day late from XX/XX/XXXX, which is outdated and unverifiable. My closed XXXX XXXX XXXX loan, which has a XXXX balance since XX/XX/XXXX, is still reported as negative with multiple lates from XXXX, which appears to be re-aging. In addition, there are numerous hard inquiries from XXXX through XXXX XXXXmany clustered auto loan pulls from dealers and lenders, along with older pulls from XXXXthat have not been tied to any new accounts and for which no signed authorization or permissible purpose has been provided. These errors remain unresolved despite prior disputes and continue to damage my credit unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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 reviewed my credit reports and found several accounts and inquiries still being reported inaccurately. An XXXX XXXX account with a XXXX balance is still flagged as derogatory even though it is closed and paid, and another XXXX XXXX account is showing a 30-day late in XX/XX/XXXX without any proof of delinquency. A XXXX XXXX  credit card continues to report a 30-day late from XX/XX/XXXX, which is outdated and unverifiable. My closed XXXX XXXX XXXX loan, which has a XXXX balance since XX/XX/XXXX, is still reported as negative with multiple lates from XXXX, which appears to be re-aging. In addition, there are numerous hard inquiries from XXXX through XXXX XXXXmany clustered auto loan pulls from dealers and lenders, along with older pulls from XXXXthat have not been tied to any new accounts and for which no signed authorization or permissible purpose has been provided. These errors remain unresolved despite prior disputes and continue to damage my credit unfairly.

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 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I have reached out since XXXX  to get XXXX affirm accounts removed from my credit. The XXXX affirm debts that is informing that I owe is not mine and needs to be removed. The following accounts are not mine and were opened fraudulently : XXXX XXXX Account opened XX/XX/scrub>XXXX XXXX XXXX XXXX Account opened XX/XX/year> XXXX XXXX XXXX Account opened XX/XX/scrub>XXXX XXXX Additionally, there is an address listed on my credit report that does not belong to me and must be removed. 
These entries are the result of identity theft. Please remove them immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I had XXXX home wifi to test, it did not meet my expectations and I canceled it after a day. I forgot to return equipment but XXXX sent me an email stating if I returned it within 30 days they would refund the amount I paid for not returning the equipment. I returned it on the XXXX day. I have screenshots of it all showing ups delivered the package on the XXXX day as well as the email from XXXX. It was sent to a collections agency for the unreturned equipment fee even though it was returned. I submitted a claim to the collections agency ( TSI collections ) and never heard back from them if there was a resolution. I called today ( XX/XX/year> ) after sending the dispute in XXXX of this month as I did not hear of any resolution. The collections agency now states that they have on file that they wont do business with me that I need to call back to XXXX and engage them directly. It is becoming a constant cycle for a wrongful debt they put on my account. I tried calling XXXX and it is just a robot answering telling me to send mail. I should NOT have to send mail to their department to clarify a wrongful debt they placed on my account. This should be taken care of within their internal teams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ADP Inc.
State: GA

Complaint narrative:
I had a background screen conducted on me by ADP that resulted in my being rescinded an offer for employment due to information contained within that does not belong to me. 

XXXX XXXX XXXX Order # XXXX Requested by : XXXX XXXX on XX/XX/XXXX Viewed/Printed on : XX/XX/XXXX at XXXX XXXX  It states there is a criminal charge for reckless driving in XXXX XXXX Georgia in XXXX with my same name attached to some foreign address in South Carolina listed as XXXX XXXX  XXXX, XXXX SC XXXX . I have been a resident of Georgia for 19 years and have never lived or ever resided at that residence and I believe they have put this on my report by some mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AMERIS BANCORP
State: FL

Complaint narrative:
I am a senior citizen borrower who was approved for a XXXX loan with Ameris Bank in XXXX. In XXXX I secured another loan through XXXX XXXX XXXX to pay off the Ameris loan and fund a continuing building project. XX/XX/XXXX was the closing date. The closing was a disaster. Paper work from Ameris to XXXX XXXX had been delayed and from XXXX XXXX to the Title company was out of order and confusing. The next day after closing Ameris refunded the loan and proceeded to take out a mortgage payment at the same time. Repeated phone calls to Ameris never shed any light on why they did this, but they allowed me to rely on it for XXXX months. During that time, Ameris withdrew interest payments directly from the loan proceeds. Even if I had not touched a single dollar, Ameriss own structure ensured I would be left with less while still owing the full principal. This structure condemned me to failure. 
After XXXX months, Ameris abruptly revoked access to the funds without clear notice and refused my good-faith offer to cure by providing another mortgage-free property worth more than the loan balance. This conduct disproportionately harmed me as an older borrower, and undermined my ability to operate a business in a low-income community.

Ameriss conduct is consistent with the XXXX XXXX XXXX recent findings against the bank for redlining. I respectfully request that DOJ investigate Ameriss continued pattern of discriminatory lending practices. I am now in XXXX XXXX XXXX and Foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-26 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: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau XXXX : XXXX ( Student Loan Servicer  ) To Whom It May Concern, I am filing this complaint regarding the mishandling of my federal student loan account by XXXX. After the end of the COVID-19 payment pause under the CARES Act, XXXX reported late or missed payments on my account, despite my lack of clear notification that repayment had resumed. 

Details of the Complaint : My loans are serviced by XXXX. 
From XX/XX/XXXX through XX/XX/XXXX, federal student loan payments and interest were paused under the CARES Act and its extensions. 
I was under the impression that this relief was still in effect, as XXXX did not clearly communicate the exact date that repayment would restart. 
Instead of providing clear, repeated, and accessible notice, XXXX allowed my account to become delinquent and reported late payments to the credit bureaus. 

Nature of the Issues : 1. Inadequate Notification XXXX did not provide sufficient or clear communication that my repayment obligations had resumed. Servicers had a responsibility to notify borrowers well in advance and ensure they understood repayment expectations. 
2. Improper Credit Reporting Because of XXXX failure to communicate, my account was reported delinquent. This was avoidable and stems from poor servicing practices rather than borrower neglect. 
3. Failure to Provide Relief Options XXXX did not inform me of available repayment options ( such as income-driven repayment, deferment, or forbearance ) prior to reporting my account late. 

Impact on Me as a Borrower : Due to XXXX  mishandling of the repayment transition : My credit has been damaged by inaccurate delinquency reports.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau Against : XXXX ( Student Loan Servicer ) To Whom It May Concern, I am filing this complaint regarding the mishandling of my federal student loan account by XXXX. After the end of the COVID-19 payment pause under the CARES Act, XXXX reported late or missed payments on my account, despite my lack of clear notification that repayment had resumed. 

Details of the Complaint : My loans are serviced by XXXX. 
From XX/XX/XXXX through XX/XX/XXXX, federal student loan payments and interest were paused under the CARES Act and its extensions. 
I was under the impression that this relief was still in effect, as XXXX did not clearly communicate the exact date that repayment would restart. 
Instead of providing clear, repeated, and accessible notice, XXXX allowed my account to become delinquent and reported late payments to the credit bureaus. 

Nature of the Issues : 1. Inadequate Notification XXXX did not provide sufficient or clear communication that my repayment obligations had resumed. Servicers had a responsibility to notify borrowers well in advance and ensure they understood repayment expectations. 
2. Improper Credit Reporting Because of XXXX failure to communicate, my account was reported delinquent. This was avoidable and stems from poor servicing practices rather than borrower neglect.

3. Failure to Provide Relief Options XXXX did not inform me of available repayment options ( such as income-driven repayment, deferment, or forbearance ) prior to reporting my account late. 

Impact on Me as a Borrower : Due to Nelnets mishandling of the repayment transition : My credit has been damaged by inaccurate delinquency reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: DE

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-26 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: DE

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation