vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-14 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: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit is extremely important to me, and I have a serious concern regarding the inaccurate information appearing on my credit report. These errors are causing ongoing stress, especially when I am denied new credit because of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
CFPB Complaint Regarding False Reporting by Equifax Date : XX/XX/XXXX Complainant : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SSN : XXXX To Whom It May Concern at the Consumer Financial Protection Bureau , I am submitting this formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( 15 U.S. Code 1681i ) , for providing false and misleading information regarding the status of a disputed credit account. 

On XX/XX/XXXX, Equifax issued a letter ( Confirmation XXXX XXXXXXXX ) stating that my dispute regarding the XXXX XXXX XXXX XXXX account ( Account Number ending in XXXX XXXXXXXX ) had been resolved and that the item was no longer reporting on my Equifax credit file. The letter clearly states : XXXX " >>> THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. 
Company Name : XXXX XXXX XXXX XXXX '' However, on XX/XX/XXXX, I obtained a new Equifax credit report ( Confirmation XXXX XXXXXXXX ), and it still shows the XXXX XXXX XXXX XXXX account listed as a charge-off with a balance of {$230.00}. The account is marked with narrative codes : XXXX : Consumer Disputes Reinvestigation in Process XXXX : Charged Off Account XXXX : Account Closed by XXXX XXXX XXXX : Consumer Disputes After Resolution This directly contradicts Equifaxs prior written claim and suggests either : 1. Equifax falsely certified that the item was removed, or 2. Equifax reinserted the account without notifying me, which violates FCRA 611 ( a ) ( 5 ) ( B ).

I am therefore requesting the CFPB to investigate this matter and take appropriate enforcement action. Specifically, I request : Permanent deletion of the XXXX XXXX XXXX XXXX account from my Equifax credit file A detailed explanation of the reinvestigation process Equifax used A written assurance that this account will not be reinserted without full legal notice I have attached both the XX/XX/XXXX dispute resolution letter and the XX/XX/XXXX Equifax credit report for your review. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX ---

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im currently in the process of applying for a VA loan to purchase a home. TRANSUNION is stating I dont have a credit report or a credit file. I currently hold student loans and normal debt. Other credit bureaus show a score and transunion does not. I HAVE CALLED THEM MULTIPLE TIMES AND I CANT GET HELP. AS A RESULT I CAN NOT GET A MORTGAGE BECAUSE TRANSUNION IS REPORTING MY CREDIT AS BLOCKED! I NEED HELP!!!

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 2025-07-14 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-07-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. Equity Advantage Holdings, Inc.
State: MA

Complaint narrative:
I entered into a lease with XXXX XXXX XXXX in XX/XX/XXXX and soon learned that my lease was evidently being serviced by an oddly-named company, AutoPayPlus. No big deal.

The issue soon became apparent that the AutoPayPlus website ( XXXX XXXX XXXX ) is absolutely terrible and I have near-zero ability to track and manage my lease ( e.g. can not see balance remaining on the lease ). This confusion resulted in me being in a position where I was 'double-paying " my loan for a while via autopayments I set up with both XXXX XXXX Services and AutoPayPlus ( if I understand correctly ). That all seemed to finally get resolved in XX/XX/XXXX, but now all of the sudden in XX/XX/XXXX I get a notice that I missed a payment and my account has been 'deactivated '?!?!

AutoPayPlus was kind enough to reach out to me to schedule a 'concierge ' phone call to figure out my account... except that phone-call was supposed to take place XXXX minutes ago : (.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the collection account that Amsher Collections is reporting to the credit bureaus regarding an alleged debt from XXXX XXXX. Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with XXXX  XXXX, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the XXXX notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request to dispute its validity. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit is extremely important to me, and I have a serious concern regarding the inaccurate information appearing on my credit report. These errors are causing ongoing stress, especially when I am denied new credit because of them.

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 2025-07-14 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-07-14 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I began repaying this student loan in XXXX, with an original balance of {$10000.00}. Over the past XXXX years, I have paid a total of {$19000.00} nearly double the original loan and yet the principal balance has barely decreased. According to my official transaction history from American Education Services ( AES ), only {$3600.00} of my total payments have gone toward principal, while over {$15000.00} has gone toward interest. 

The loan carries a XXXX  % variable interest rate, which is unusually high and has created a compounding cycle that makes progress nearly impossible. I was placed on a standard repayment plan with a term of XXXX  months, and yet I was told in a recent call with an AES representative that the loan " should have been paid off in XXXX  years. '' That same representative also incorrectly informed me that no forgiveness options existed for my type of loan which I now understand to be false based on publicly available information. 

I have requested a full payment history and explanation multiple times but have not received a transparent or logical response. The application of payments has been unclear, and I suspect there are issues with how interest was capitalized or compounded. I have been delinquent as of this month, not because I am unwilling to pay, but because I am attempting to pause repayment while this situation is properly investigated. 

I am asking for a full investigation into this loan 's servicing practices, as well as a formal review of the payment application, balance growth, and any misrepresentations made by AES staff. The situation reflects a predatory and unsustainable debt cycle, and I am seeking relief based on overpayment, misinformation, and inappropriate handling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MS

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-07-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : TRANSUNION : [ XXXX XXXX ] [ ACCOUNT NUMBER XXXX ] [ XXXX XXXX ] [ ACCOUNT NUMBER XXXX ] [ XXXX ] [ ACCOUNT NUMBER XXXX ] [ XXXX XXXX XXXX XXXX ] [ ACCOUNT NUMBER XXXX ] [ XXXX ] [ ACCOUNT NUMBER XXXX ] [ XXXX XXXX ] [ ACCOUNT NUMBER XXXX ] [ XXXX XXXX XXXXXXXX ] [ ACCOUNT NUMBER XXXX ] [ XXXX XXXX  ] [ ACCOUNT NUMBER XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual w
ith whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
on XX/XX/XXXX I prepaid XXXX to rent a car from XXXX XXXX rental. 
When I arrived at the location the merchant did not give me a rental, I was told I would receive a full refund but hey did not give me a refund. 

on XX/XX/XXXX I filed a dispute XXXX XXXX  because I used my XXXX  debit card to make the prepaid purchase. I was told it would be XXXX  days maximum to resolve the case. 
XXXX  contacted the merchant and on XXXX XXXX XXXX days later, I was notified that the vendor claimed I was a " no-show '' andasked to submit documents to prove otherwise. I tried to upload screenshots of the merchant 's address, the reservation date and time and an uber receipt from my house to the merchants address at the date and time of the reservation proving I wasn't a " no-show '' the app continuously gave me an " error '' message when trying to upload. I contacted customer service who gave me trouble shooting advise but I still got the error message. on XX/XX/XXXX I was told by the XXXX  customer service agent that due to the error they had uploaded my documents for me. I contacted XXXX  several times after XX/XX/XXXX to check the status and I was never given any concrete information. on the XXXX day after I filed dispute I contacted XXXX  to ask why my case wasn't resolved because the 50 day time frame was past. Again they gave me no information. A week after I submitted my documents, I was asked AGAIN to submit the same evidence to prove I did in fact show up. AGAIN the system would not allow me to upload, AGAIN I had to contact a customer service representative who AGAIN told me they were uploading my documents of proof but still to this day I have no refund and I have no update on my case. It has been XXXX days since filing the dispute and I am no further along than before. The loss of money is costing me financial hardship and I have no confidence that this case is being investigated properly. It is my understanding that it is expected for these type of issues to be handled in 45 days or less. I have transcripts of all my communication with XXXX  as well as the documents that prove I was at the merchants address at the day and time of the reservation. XXXX needs to resolve my case and offer my refund. I have asked several times what is the time frame since it has already been XXXX days and I only get vague answers. 

if some one reaches out I can provide the transcripts of my communication with XXXX but the emails are too long to upload below. I have included the documents sent to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Pursuant to 15 USC 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681i, credit reporting agencies are required to promptly investigate and correct or remove inaccurate, incomplete, or unverifiable information. 
These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be 100 % accurate across all credit reporting agencies. As a result, I request that the account in question be either updated to reflect complete and accurate information or removed from my credit report entirely. 

I expect the inaccuracies to be corrected or the account to be removed from my credit report within XXXX days of receiving this letter. Failure to comply with this request will leave me no choice but to pursue legal action under the provisions of the FCRA, including seeking statutory damages of {$1000.00} per inaccuracy. 
The following personal information is incorrect : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$10000.00} Please remove it from my credit report under XXXX XXXX XXXX The following personal information is incorrect : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2400.00} Please remove it from my credit report under XXXX XXXX XXXX XXXX following personal information is incorrect : XXXXXXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Please remove it from my credit report under XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief