vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I have been trying to work with regional finance but to no avail so when they set up a payment they want to charge me a fee for making the payment from the debit card which causes the issue because i have the exact loan payment, their system is trying to charge additional fees to pay the loan, which im not sure if this is legal. 
Secondly last year this same thing happened to me the gentleman set up arrangement sent him docs and he says it was a lie now this year a lady called says pay the {$89.00} we get you back on a payment arrangement, after i made the payment called back i got a number to call XXXX i did, the initial contact the gentleman told me no i will not connect you to her pay the full amount i said that's not what i was told i hung up called back got a lady she apologized for the mans behavior and transferred me to lashondra when i spoke to her she says the man told her not to do it. he wont approve so i said am i XXXX  or something you are the ones to work with me im trying to pay was out of a job a couple times anyway a lady called XXXX called me last saturday i explained everything that happened she apologised and stated i can help first seh asked for id pay stubs im a 1099 i sent it over she asked for tax docx then bank statements while shes processing a lady name XXXX called me fro head office i was upset i said you call me a XXXX times a day and someone is working on my file i asked to speak to a manager he didnt want to deal with me and transferred me to a lady she said ignore the constant harassing calls and u will get update from XXXX XXXX 
After that XXXX called said sorry u werent approve i said to her but u guys asked me to pay the {$89.00} what was that about she was like im not sure she said i was trying to give an additional {$1000.00} but why why would we give you the additional when you cant even pay this amount i was floored this as a XXXX XXXX XXXX  woman i was XXXX  stero-typed i could not believe something like that was said to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: GA

Complaint narrative:
Account XXXX {$990.00}. This is not me, the social security does not match and the name does not. My name is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: AR

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 2025-11-28 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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.

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 2025-11-28 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
The reported information is erroneous and distorts my financial record. I request a correction to reflect my actual payment history.

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 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I told them I was a senior citizen living on a small social security income and I was unable to make payments for this debt. 
The debt was sold from original XXXX  XXXX to Portfolio Management Associates, LLC, XXXX XXXX, XXXX, XXXX, XXXX in XXXX, XXXX. I have been receiving daily calls between XXXX and XXXX times a day for months. Their phone is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The posted status does not match verified records.

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 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
In late XX/XX/year>, American Express closed my XXXXissued American Express XXXX account under the XXXX XXXX program. I received no written reason. On subsequent calls, AMEX stated the closure was a business decision, likely because the XXXX  XXXX  program would no longer be offered in XXXX, which was my billing address and where the card was used most of the time. AMEX confirmed the closure was not due to my conduct or any violation. 

At the time of closure, I had XXXX XXXX Rewards points. 
On XX/XX/year>, AMEX offered to honor those points by issuing XXXX gift cards totaling {$900.00} ( {$500.00} + {$200.00} + {$200.00} ) and told me the request was processed. As of today ( XX/XX/year> ), nothing has been delivered. I have called XXXX times and referenced case ID XXXX. I spoke with multiple representatives ( e.g., XXXX, XXXX, XXXX ). Explanations have XXXX  initial processing, back-office delays, high volumebut the message is the same : it is in process, there are technical issues, no timeline/ETA, and I should just wait. 

I am seeking CFPB assistance because AMEX has not honored its commitment, has provided no timeline, and offers no accountability or path to completion. Amounts and dates : points balance XXXX at closure ( late XX/XX/year> ) ; promised compensation {$900.00} in gift cards ; promise/processing date XX/XX/year> ; XXXX follow-ups between XX/XX/XXXX and XX/XX/year> ; current status no delivery, no ETA, technical issues XXXX I am not including personal identifiers here and can provide them if needed to help the company locate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Im continuing to receive phone calls and text messages every day. Have not received information from Portfolio Recovery stating that I have done business with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
I have no attachment to these accounts and request their deletion within 15 days as instructed by the FCRA.

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 2025-11-28 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: FL

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 2025-11-28 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:
XX/XX/year>, I successfully disputed the XXXX  ( Account Number : XXXX ) account on my Experian credit file. I received written confirmation from Experian that this account had been investigated and subsequently deleted from my report. 
Around XX/XX/year>, Experian unlawfully reinserted the previously deleted XXXX  account onto my credit file. 
Violation of FCRA 611 ( a ) ( 5 ) ( B ) : Experian failed to provide the legally required written notice of this reinsertion within XXXX business days. Furthermore, there is no evidence that the furnisher ( XXXX  ) certified the information as complete and accurate prior to reinsertion, which is a mandatory prerequisite for reinsertion under this statute. 
This action undermines the integrity of the prior dispute process, misrepresents the accuracy of my credit history, and demonstrates willful noncompliance with XXXX  law, causing immediate damage to my credit profile and XXXX  score.

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 2025-11-28 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: NM

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 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 2025-11-28 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am requesting the deletion of inaccurate and outdated personal identifiers that XXXX  is currently reporting. These items do not reflect my current information and must be removed under the FCRAs accuracy requirements. 
REMOVE THE FOLLOWING INCORRECT / OLD ADDRESSES : 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 Old variations of XXXX XXXX XXXX, XXXX XXXX, XXXX  REMOVE THE FOLLOWING INCORRECT / OLD EMPLOYERS : XXXX XXXX XXXX  KEEP ONLY MY CURRENT INFORMATION : Current Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please process this request and send me an updated copy of my Experian credit file

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 2025-11-28 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: TX

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE XXXX ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-28 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:
Please treat this correspondence as my formal dispute of the accounts in question. I have no relationship with these accounts and did not authorize them. I respectfully request a full review and their prompt deletion. Supporting documentation is enclosed.

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