vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
Despite previous disputes, Experian has continued to report this account with multiple errors that violate the Fair Credit Reporting Act ( FCRA ) .The specific discrepancies include : 1. Future Reporting Date ( Impossible Entry ) : The balance shows as updated on XX/XX/XXXX, a date in the future. This is impossible and indicates Experian is reporting false or fabricated data. 
2. Contradictory Status : The account is labeled Paid off while still showing a past due balance of {$1500.00}. A paid account should not report as delinquent.

3. Conflicting Comments : The remarks state, Account closed at credit grantors request. Completed investigation of FCRA dispute consumer disagrees. Yet the account simultaneously appears as a collection account with {$1500.00} past due, which is contradictory and misleading.

4. Improper Payment History Reporting : The payment grid marks the account as

C ( Collection ) for multiple months. Once an account is sent to collections, it should not repeatedly show new collection notations each month. 5. Missing Creditor Information : Key fields such as Original Creditor, Company Sold, and Monthly Payment are blank. Without this information, the account is unverifiable under FCRA standards. 
XXXX. Conflicting Update Dates : The tradeline states the status was last updated in XX/XX/XXXX, yet also shows the balance updated in XX/XX/XXXX, which is inconsistent.

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 2025-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group
State: NJ

Complaint narrative:
In XXXX, I was contacted by a creditor collection agency, XXXX XXXX XXXX, on behalf of XXXX. The calls were relentless throughout the year. More recently, on XXXX XXXX and XX/XX/XXXX, I was contacted by Superlative RM regarding the same loan. The representative, XXXX XXXX, spoke to me in an aggressive manner that left me feeling intimidated and fearful. 

During our conversation, I explained that I could not make a payment at this time because I currently do not have the funds. Despite this, XXXX XXXX repeatedly pressed for information and demanded that I provide my email address. I reiterated that I was fully aware of the situation and would reach out once I was in a position to make payments. At that point, she raised her voice and accused me of just trying to get her off the phone, which was unprofessional and unnecessary. I want to make it clear that I am not refusing to pay this debt, but I am not obligated to provide personal information or agree to terms I can not meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: AMERIS BANCORP
State: SC

Complaint narrative:
Foreclosure Fraud and Deed/Mortgage Fraud . Purchase home XXXX signing with XXXX XXXX XXXX ( XXXX XXXX ) with Ameris Bank as mediator. Haven't receive Deed and Ameris foreclose XXXX with XXXXXXXX XXXX XXXX XXXX with XXXX in XXXX XXXX XXXX ( # XXXX ) and clerk of court ( XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX of XXXX. FDIC sent out request for standing of loan to Ameris Bank XXXX. XXXX mailed letter XXXX received on XXXX stating they need time to locate loan. Today is XXXX and nothing. XXXX XXXX XXXX XXXX Department ( XXXX XXXX and XXXX XXXX ) ordered by Ameris BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney XXXX Master of Equity ( XXXX XXXX ) XXXX XXXX Clerk of court ( XXXX XXXX ) XXXX XXXX writ of assistance '' that was executed XXXX. Evicted/ property thrown out on curve and doors change locked. Staying at a hotel! Savings is gone!. No Jurisdiction!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding what I believe to be a predatory lending practice tied to the financing of a home improvement project. Specifically, I was misled into entering a financing agreement through a XXXX  credit card issued in connection with the installation of a deck at my home. 

On XX/XX/year>, XXXX XXXX XXXX representative XXXX XXXX XXXX XXXX XXXX XXXX home with the intentions to sell me a deck. She explained the financing options and presented a promotional plan of 84 months with no interest and fixed monthly payments. Relying on this representation, I agreed to move forward with the deck installation and used the XXXX credit card for payment. I was led to believe that as long as I made my monthly payments, no interest charges would accrue during this 84-month period. 

Unfortunately, I have since discovered that interest was, in fact, being applied to my account, contrary to the terms I was promised. The disclosures provided at the point of sale were confusing and misleading, and I was not given a clear explanation of the true cost of financing. I now feel I have been subjected to deceptive and unfair lending practices. 

This situation has caused me significant financial stress and hardship. Had I known that interest charges would apply despite the no interest representation, I would never have agreed to this financing arrangement.

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 2025-09-12 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:
Issue : Credit reporting of account not mine despite proof from original creditor Complaint : I am filing this complaint because transunion continues to report a debt that does not belong to me, despite documented proof from the original creditor. 

On XX/XX/XXXX, XXXXXXXX XXXX issued a signed letter confirming : XXXX. My only account with XXXX was closed in XX/XX/XXXX in good standing. 


XXXX. I have no other accounts with XXXX. 


XXXX. The account being reported belongs to XXXX XXXX XXXX, not me. 


XXXX. XXXX acknowledged this was an error caused by similar names and confirmed they sent correction notices to the furnisher and credit reporting agencies. 



I have disputed this account multiple times with transunion and the furnisher, but they continue to validate and report it as mine without providing any documentation proving otherwise. This is a direct violation of the Fair Credit Reporting Act ( FCRA 611 ), which requires a reasonable investigation. The credit bureau is ignoring clear evidence from the original creditor. 

I am requesting the CFPB ensure that this account is immediately deleted from my credit report and that the bureaus update my file to reflect XXXX official confirmation.

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 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
Robinhood restricted my account do to XXXX XXXX XXXX and XXXX XXXX problem. I went online for robinhood customer service XXXX hour and got XXXX XXXX XXXX personal XXXX business XXXX ( XXXX ) XXXX with screen share he pretended to help with crypto limit but sent a wire to XXXX fargo account of XXXX to raise my crypto limit but was scam and helped setup coinbase and sent XXXX to wallet address for eth but won't give back not unless verify with my driver 's license and bank statement which he hopes to steal funds transfered to my bank account from robinhood account app .. robinhood in app chat says he scammer and fraud team won't even call bank when XXXX XXXX asked them to call them about wire..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: A & O Recovery Solutions, LLC
State: GA

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NV

Complaint narrative:
Both accounts has been closed still showing on my credit report Jefferson capital {$660.00} and XXXX XXXX for {$520.00} and also XXXX  XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IN

Complaint narrative:
Today XX/XX/25 I went to make a payment on my student loan through nelnet. I found that my balance was a XXXX. The balance of {$35000.00} was shown as paid off by " other ''. In trying to figure out what happened to it, there was no additional information on the website. I signed into my studentaid.gov website to see that I supposedly have a new servicer XXXX XXXX XXXX XXXX with a Due Date of XX/XX/25. TELL ME WHY I HAVENT RECEIVED ANY INFORMATION ABOUT THIS PRIOR TO DOING MY OWN DETECTIVE WORK TO FIGURE OUT IT. I also love that I have no information on this new servicer but yet, I still have the same due date? What FRAUD is this?! I received mail from NELNET this week and it said NOTHING about an upcoming change. 

Just another way to get swindled out of money. Gov nickel and diming the working poor of this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: MO

Complaint narrative:
my credit report and noticed an account that was not reporting accurately. Two late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. I've attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year> I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: MO

Complaint narrative:
my credit report and noticed an account that was not reporting accurately. Two late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. I've attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year> I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: OH

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 explanation
Consumer complaint received 2025-09-12 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: OH

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 explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX was my initial phone call to get approval to charge up to {$60000.00} for a group flight. Advised by Chase representative to make a payment from my Chase checking online to the credit card so funds would be available as a credit balance on my card. 

On XX/XX/XXXX, after making a {$40000.00} credit payment I called back a couple of days later as I was told the funds may still be held that I should call to check.

When I called to check, I was told that I could not do what the previous chase representative said I could do and that she would be fired. 

I called back again on XX/XX/XXXX to find out about the credit on my account and was told I could use my card to purchase the flights. 

So XXXX days later on XX/XX/XXXX the travel company started charging the individual flights. The card was denied after it reached my credit card limit even though I had a XXXX credit on the account with an XXXX credit limit. I was then advised that they could not apply the credit It would take one to two days and I would need to make another payment in order to use the card. I could not use my credit balance because I had reached my daily limit. 

Because these were group flights all flights had to be paid for on the same day. I had to leave my work to drive home an hour away and withdrawal {$34000.00} cash from my Chase account to then drive another hour to the travel agency to pay them. Chase told me that they would email me and I would need to respond within XXXX hours so they could transfer the money back into my Chase checking account. 

We have been checking our emails. Nothing has been done so I called them today. We were told the email was never sent and that they were going to mail a check. I had previously advised that I could not wait for a check as I was trying to pay for travel for XXXX people. Again they reassured me that all I needed to do was check my email and they would transfer the funds back into my account. However, after speaking with a supervisor today, he said there was no one else that we could speak to in order to get our money back. He said that I shouldve been read information stating that I could get an email or the check would be in the mail. 

I have wasted so much time off of work all due to the first representative that I spoke with and put my life in danger by having to transport $ XXXX cash out of town to go pay the travel agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: CITIBANK, N.A.
State: IL

Complaint narrative:
paid in settlement written off, filed dispute but remaining on credit report until 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