vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Confirm disputed records are removed within proper legal timeframes.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Ardmore Finance Corporation
State: MO

Complaint narrative:
I am filing a formal complaint against Ardmore Finance for repeated violations of consumer protection standards, improper debt collection behavior, and predatory fee practices.

I originally borrowed {$100.00} from this company. Despite the small loan amount, Ardmore Finance has inflated the balance to {$620.00}, which is unreasonable and inconsistent with Missouri lending laws regarding fees, interest caps, and installment loan calculations. I have not received a proper itemized ledger showing how this balance was calculated.

In addition, I explicitly instructed Ardmore Finance not to contact my employer and provided them with an alternate method to reach me. They ignored this request and contacted my workplace again.

Matters escalated when they sent a law enforcement officer to my job to deliver garnishment documents. The officer walked into my workplace and announced the nature of the documents, causing unnecessary embarrassment, workplace disruption, and a violation of my privacy. This behavior appears intentional and retaliatory, particularly after I asked them to stop contacting my employer. 

This companys actions demonstrate : Improper communication with my employer after being told to cease Harassment and public disclosure of debt information Excessive and unexplained fees Predatory lending practices Escalation that appears retaliatory

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On the afternoon of XX/XX/2025, I attempted to deposit {$3900.00} at XXXX of your ATMs. However, due to a machine malfunction, the ATM took the cash without completing the deposit and did not issue a receipt. 

I have already contacted the bank regarding this issue, but the responses Ive received have been inconsistent and unclear. Despite my repeated follow-ups, the problem has not been resolved. 

I am requesting that this issue be investigated immediately and that the missing deposit of {$3900.00} be properly credited to my account. 

Bank address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) ( ATM 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 monetary relief
Consumer complaint received 2025-11-13 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


INQUIRIES : XXXX  XXXX - XX/XX/2024

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 2025-11-13 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: GA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX and the credit reporting agencies Equifax, Experian, and TransUnion have willfully and negligently violated my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

In early XX/XX/XXXX, XXXX XXXX XXXX falsely reported that my account ending in XXXX was XXXX and XX/XX/XXXX days late. These alleged delinquencies are completely inaccurate and stem from XX/XX/XXXXfailure to comply with TILA 1666 ( b ), which requires that billing statements be mailed or delivered at least 21 days before the payment due date. XXXX never provided any proof that such statements were sent or that my payment was delinquent. 

This same account was already the subject of my prior CFPB complaint # XXXX, in which XXXX XXXX XXXX was found to have billing errors. Despite that investigation, the exact same false delinquencies have been reinserted into my credit reports without certification or written notice, directly violating FCRA 611 ( a ) ( 5 ) ( B ).

Under FCRA 623 ( b ) and 611 ( a ) ( 5 ), both the furnisher ( XX/XX/XXXX) and the credit bureaus are required to permanently delete or correct inaccurate information once it has been disputed and verified as erroneous. Instead, all three bureaus are currently re-publishing derogatory data that they already know is false, misleading, and unverifiable. 

XXXX and the bureaus have further violated the Metro 2 reporting standards by using the wrong payment status codes. For a current account that is paid on time, the correct code is XXXX Pays as Agreed. Instead, XXXX and the bureaus are using delinquency codes ( XXXX and XXXX ), which are inconsistent across all three reports and create a false narrative of payment default. These mismatched codes show clear noncompliance with Metro 2 data integrity requirements.

This situation has caused me financial harm, emotional distress, and reputational damage. I rely on my credit report for housing and employment opportunities, and these fabricated delinquencies have directly impacted my ability to secure favorable terms. The repeated reinsertion of data that was already proven inaccurate demonstrates reckless disregard for federal 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX and the credit reporting agencies Equifax, Experian, and TransUnion have willfully and negligently violated my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

In early XX/XX/XXXX, XXXX XXXX XXXX falsely reported that my account ending in XXXX was XXXX and XX/XX/XXXX days late. These alleged delinquencies are completely inaccurate and stem from XX/XX/XXXXfailure to comply with TILA 1666 ( b ), which requires that billing statements be mailed or delivered at least 21 days before the payment due date. XXXX never provided any proof that such statements were sent or that my payment was delinquent. 

This same account was already the subject of my prior CFPB complaint # XXXX, in which XXXX XXXX XXXX was found to have billing errors. Despite that investigation, the exact same false delinquencies have been reinserted into my credit reports without certification or written notice, directly violating FCRA 611 ( a ) ( 5 ) ( B ).

Under FCRA 623 ( b ) and 611 ( a ) ( 5 ), both the furnisher ( XX/XX/XXXX) and the credit bureaus are required to permanently delete or correct inaccurate information once it has been disputed and verified as erroneous. Instead, all three bureaus are currently re-publishing derogatory data that they already know is false, misleading, and unverifiable. 

XXXX and the bureaus have further violated the Metro 2 reporting standards by using the wrong payment status codes. For a current account that is paid on time, the correct code is XXXX Pays as Agreed. Instead, XXXX and the bureaus are using delinquency codes ( XXXX and XXXX ), which are inconsistent across all three reports and create a false narrative of payment default. These mismatched codes show clear noncompliance with Metro 2 data integrity requirements.

This situation has caused me financial harm, emotional distress, and reputational damage. I rely on my credit report for housing and employment opportunities, and these fabricated delinquencies have directly impacted my ability to secure favorable terms. The repeated reinsertion of data that was already proven inaccurate demonstrates reckless disregard for federal 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
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: LA

Complaint narrative:
The XXXX XXXX XXXX is in breech of contract. They are in the process of fixing! Vanderbilt is placing lates on my credit and and they are in breech. No money is owed until all contractual obligations are met

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC
State: CT

Complaint narrative:
I asked for verification of the debt. I mailed letters and emailed letters XXXX, XXXX, XXXX. They have ignored all emails and letters asking for verification of the debt. I have the right to ask for valid proof. They show no legal right to sue me. 
I called and spoke to a rep who demanded XXXX payments of $ XXXX this was well after they summoned me to small claims without showing they have the legal right to collect and that they own the debt/or have been assigned it. 
They provided no records of the original signed credit agreement contract or their Connecticut collection agency number. 

They have not provided info to prove the debt in writing- only via a letter threatening to take me to me to small claims. They never notified me of this debt in writing. Until this is provided I ask that you cease legal proceedings as Rubin and Rothman has ignored my multiple attempts to contact 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 explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
Dear Equifax, I am writing to dispute the following items on my credit report. These accounts are inaccurately reported and should be corrected or removed from my report. Please find the details below : Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Inquiries : XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I started a process to have the balance of this card paid in mid XXXX. I have a payoff pending to be released in 5 days or less to pay the balance is full but I saw that 2 days ago chase had charged me anither interest fee of XXXX. I called and spoke to an agent to see if this could be waived as a XXXX time courtesy as I have never been late and always paid my interest and made larger payments than required. The agent refused and said he would transfer me to a supervisor that could help me. Once transfered I was told the wait time was over XXXX minutes. I called back to try again but the exact same thing happened. I am not able to get to a supervisor for assistance to have this fee removed as after waiting for a very long time my call was disconnected. This is predatory. My card is not in default and has never had a late payment. I would like the most recent interest fee of XXXX waived as a XXXX time adjustment so the balance will be XXXX. When the payoff is received in a couple of days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

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 2025-11-13 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: PA

Complaint narrative:
After reviewing my credit report, I found several accounts and negative marks that are being reported inaccurately and without proper verification. Some creditors are reporting charge-off accounts while still listing full past-due balances, which is contradictory and misleading. For example, multiple accounts are marked as charged off but continue to show active delinquency amounts, even though no documentation has been provided showing how these balances were calculated or when the charge-offs occurred. A few accounts are showing late payments, but the companies have never provided billing statements, payment histories, or notices to prove those late payments actually happened. I have disputed these accounts multiple times, yet the companies involved have not supplied any verification or supporting evidence. As a result, the credit bureaus continue to report information that has not been validated and appears to be inaccurate, outdated, or incomplete. This has created harm to my credit profile and has affected my ability to obtain fair financial opportunities.

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 2025-11-13 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: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation