vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX the XXXX of XXXX  i requested a full investigation to be done once I submitted a dispute of several inaccuracies on my credit report. I requested for proof from the direct companies and transunion they both were unsuccessful to provide any of the documents I requested therefore transunion failed to do a fair and complete proper investigation on the inaccuracies I disputed on my credit profile which consists of ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I also was never properly notified of transunions completion of the investigation. When I called myself for an update and the results of my disputes I was told that 4 accounts had been deleted and two others were under investigation and I was provided with a file number stating that the four accounts that were deleted were under the file number I was given. The next day after that call I called again to check on the other two accounts that I was previously told was under investigation. To my surprise I was told all four accounts that were deleted from my credit profile was added back on with no reasoning and no information on how something like this could happen. I was also told were the other two accounts were out of investigation before the 30 days and were added back onto my credit profile again. I have very strong beliefs that transunion never did an investigation on the accounts. Because when I spoke to a supervisor regarding this matter I was told that the companies provide unverified information. Under the FCRA unverified information should be removed from the consumer credit report. Which was not done.

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 2025-07-09 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-09 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Heavner, Beyers & Mihlar LLC
State: IL

Complaint narrative:
In XX/XX/XXXX, my employer ( XXXX XXXXXXXX ) received a court-ordered garnishment for a judgment totaling {$3200.00}. That amount was fully satisfied through payroll deductions between XXXX and XX/XX/XXXX. The law firm involved was XXXX XXXX XXXX XXXX XXXX, XXXX. 

However, in XX/XX/XXXX, the firm failed to cash two valid checks totaling {$640.00}, and nearly a year later in XX/XX/XXXX they suddenly claimed I still owed a balance of {$4000.00}, without ever filing an amended court order or notifying me or my employer. 

I was never served with any updated judgment. The firm added unauthorized attorney fees, court costs, and multiple interest charges beyond the 9 % annual interest listed in the original order. These charges were applied even during the time the garnishment was being paid. When I disputed this in writing, the firm refused to answer in writing and insisted I call instead, despite my formal request to keep all communications documented. 

Their behavior is deceptive, abusive, and appears to violate the Fair Debt Collection Practices Act. I am requesting full closure of the debt, regulatory investigation, and review of their licensure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Summit A*R, Inc.
State: NC

Complaint narrative:
To Whom It May Concern, This is a formal response to your recent message regarding the alleged debt placed by XXXX XXXX. I previously requested, under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, that you provide full validation of this debt, including a copy of the original contract bearing my wet signature. 

To date, I have not received any such documentation by mail, as specifically requested. Email delivery of alleged documentation does not satisfy proper debt validation requirements or confirm receipt. Under the Fair Credit Reporting Act ( FCRA ), any reporting of unverifiable or inaccurate debt to credit bureaus constitutes a violation. 

Until you provide proper validation via mail, including a signed contract and itemized billing showing how the alleged amount was calculated, you must cease collection activity and refrain from reporting this account to any credit bureau. 

This account remains formally disputed. 

Sincerely, XXXX XXXX XX/XX/year>XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NY

Complaint narrative:
I am filing this complaint because Aidvantage has failed to provide accurate, consistent, and complete records for my XXXX XXXX XXXX XXXX loan despite repeated requests. 

XXXX confirmed in writing that they received {$14000.00} on XX/XX/XXXX, which fully satisfied my tuition and left a {$0.00} balance. XXXX also confirmed no refunds were issued to me or the lender and that no funds were disbursed for XXXX XXXX, as I was not enrolled. 

Aidvantages records, however, contradict these facts showing unexplained transactions, inflated balances, and no clear proof of how the loan funds were applied. They have failed to explain how their reported balance and delinquency align with the schools documentation. 

Aidvantage has had more than enough time to resolve this matter but continues to evade responsibility and provide incomplete, inconsistent, and contradictory information. I respectfully request CFPB intervention to hold them accountable and compel full, transparent disclosure of all documentation and an explanation of the discrepancies. If this is not promptly resolved, I will continue pursuing evidence through all available media, legal, and regulatory channels until this is addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-08 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I purchased a deceptive high-ticket " educational '' product using financing terms provided by Affirm. I reached out to them to let them know the company is selling an educational product and not delivering on what they promise. Affirms response was - that's too bad, the most you can do is let the company know and file a complaint with us but you must continue to make your payments on time even though the matter is under dispute. They knowingly offer financing terms to companies that are selling deceptive high-ticket educational products and they don't see a problem with doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: KS

Complaint narrative:
I am filing a complaint against Experian for unlawfully readding a previously deleted account back onto my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ]. The account in question is : Creditor Name : XXXX XXXX ; Partial Account Number : XXXX Date of Original Removal : XX/XX/year> Date of Reinsertion : XX/XX/year> This account was previously deleted following a dispute. However, it was recently reinserted into my credit file without any notification or certification, both of which are required under FCRA 611 ( a ) ( 5 ) ( B ). The law mandates that if any previously deleted information is reinserted, the consumer must be notified within five business days and the furnisher must certify the accuracy of the information before reinsertion. I have not received any notice of this reinsertion nor have I received any proof of certification. This failure is a direct violation of my rights under federal law and has caused reputational and financial harm. Permanently delete the reinserted account from my credit report. Provide written confirmation of the permanent deletion. Send an updated credit report reflecting the correction. Identify the furnisher of the data and their certification, if it was provided. Ensure compliance with FCRA 611 ( a ) ( 5 ) ( B ) moving forward.

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 2025-07-09 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: MI

Complaint narrative:
On XX/XX/year>, I submitted formal written disputes to the credit reporting agencies concerning multiple negative accounts on my credit report that I believe are inaccurate and/or unverifiable under the Fair Credit Reporting Act ( FCRA ). Despite providing supporting documentation and requesting a reasonable investigation, some of the accounts were returned as verified by the credit bureaus. 

However, these accounts are still reporting inaccurate and incomplete information and do not meet the FCRAs standard of maximum possible accuracy. I was not provided with any proof of verification or the method used to determine the information was accurate. I believe this violates the credit bureaus obligations under 15 U.S. Code 1681i and 1681e ( b ).

The continued reporting of inaccurate information is harming my credit profile, affecting my ability to obtain credit, and causing undue stress. These accounts should be removed if they can not be verified with complete and accurate data as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
The prior investigation stated that the company should remove any negative reporting as of today the challenged item remains on my credit report.

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 2025-07-08 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: GA

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNTS BLOCK AND REMOVE

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 2025-07-08 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: GA

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNTS BLOCK AND REMOVE

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 2025-07-09 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: TX

Complaint narrative:
I am the victim of identity theft. I have submitted a formal dispute along with an FTC Identity Theft Report and all required documentation to support the claim. Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice. I am demanding permanent deletion of the following : -Fraudulent accounts and inquiries -Inaccurate or unverifiable personal information I am attaching my FTC report , formal dispute letter, and government-issued ID, SSN, and proof of address.

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 2025-07-09 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: GA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under 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 2025-07-08 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: AZ

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 non-monetary relief