vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tilt Finance, Inc.
State: AR

Complaint narrative:
First and foremost, I do not agree that this is a line of credit. I believe it is a cash advance that was not supposed to be reported to credit agencies. Either way, I contacted the company ( via email ) when I changed banks to inform them of the change and seek an alternative way to pay the loan back since their platform does not support my new bank. They informed me that there was not an optional way and I needed to deposit money into the same bank that was connected for them to draft it out. I reiterated several times that that was not an option and I needed another way to pay this off. They refused to offer another way to pay and proceeded to report the account to the credit bureaus as late which made my credit score plummet. I have tried and tried to deal with and work with this company to no avail. I am attaching the emails, along with other documents, and as you can see, the responses immediately stopped when I asked for details in why my balance was {$410.00} instead of {$320.00} that I owed when i tried to pay them back in XXXX. I am not denying I owe the money. I am only looking for a way to pay it and get it completely removed from my credit report. I just need help since they are not willing to accept payment another way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX. XXXX XXXX  XXXX XXXX ( Inquiry ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXXXXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC
State: NJ

Complaint narrative:
I am an XXXX XXXX  member seeking to exercise my rights under the XXXX XXXX XXXX XXXX ( XXXX ) to have my loan interest rate reduced. 

I submitted my XXXX request to TitleMax with the required documentation. However, the company has consistently failed to process my request : They have repeatedly ignored my inquiries regarding XXXX benefits. 
When I call, representatives either refuse to discuss XXXX or abruptly disconnect the call. 
I have sent multiple emails with no meaningful response. 
Despite my continued efforts, TitleMax has taken no action to apply the interest rate reduction. 

At this point, I have nearly paid off the loan, yet my lawful XXXX request remains unaddressed. This delay and lack of cooperation appear to be intentional and in violation of my rights under federal law. 

I am requesting XXXX assistance to ensure TitleMax complies with the XXXX and applies the required interest rate reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NM

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy. These errors are causing ongoing and significant harm to me, both emotionally and financially. This situation is unacceptable and requires immediate attention.

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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/year> Request to Reopen Dispute case id XXXX On Monday XX/XX/XXXX I found out my wife needed emergency XXXX while on vacation in California. I searched for hotel rooms online. I booked a room through XXXX for XXXX by XXXX XXXX XXXX for XXXX XXXX. I was given reservation number XXXX and was told I would receive a confirmation email. Later in the day after planning our trip to be with my wife for her XXXX I looked and noticed I didnt receive the confirmation email. I tried calling XXXX. When you pick any prompt but new reservation, they want information from the email I never received. I called again and went through the new reservation prompt and got a live person. I explained my situation and they gave me a different phone number. I called the new number XXXX which was for the XXXX XXXX and was given a different confirmation number XXXX. Neither confirmation number came up on the hotel website. At this point I felt like I had been scammed. I called the XXXX number back and requested to cancel. They told me I couldnt and that I needed to contact price line. I explained I had gone through XXXX I sent booking.com a message to cancel. 
I received an email back while I was travelling on Tuesday. Again, requesting information from the email, I never received. I replied that I never received the email. I got more emails from XXXX  requesting the info I didnt have. My last attempt was the phone number from the email. The phone number XXXX was automated AI which again requested the information they never sent me. 
I had let the XXXX XXXX know we had made other accommodation and wouldnt be staying there. XXXX made it impossible to cancel the reservation. 
After receiving the denial from Citi for lack of paperwork I called. I explained I never got the confirmation email, so I didnt have that to send in. I spoke to XXXX different departments with the last telling me to fax a letter to reopen the dispute. Again, without the confirmation email I never received there is no way for me to cancel my reservation. I have included copies of my phone log showing calls I made trying to cancel. I also included copies of my emails trying to cancel. I also have phone recordings. 

Citi again denied the dispute for lack of cancellation information from XXXX XXXX didn't supply the information I needed to cancel.

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 2025-09-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Trebar Financial Services, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX. 



On XX/XX/XXXX, a refrigerated trailer under my company, XXXX XXXX XXXX, was involved in an accident in Washington XXXX. The trailer was listed under my company, but the accident was processed under XXXX XXXX XXXX, which has non-owned trailer insurance coverage of {$70000.00} for this claim. 



After the accident, representatives from XXXX XXXX implied that I was committing insurance fraud and demanded the full account balance. Despite multiple conversations to resolve this matter, XXXX XXXX hired a debt collection attorney and sent emails threatening legal action against me and my spouse. 



During the claim review period with the XXXX, I have been paying monthly installments of {$1400.00} for the past XXXX months. As of XX/XX/XXXX, I received a claim check for {$50000.00}, issued jointly to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. The total financed amount was {$29000.00}, but XXXX XXXX is now demanding {$39000.00}, including approximately {$10000.00} in attorney fees. 



I have proper documentation and have acted according to all legal procedures. I request that the Consumer Financial Protection Bureau review this matter, ensure that XXXX XXXX handles this claim correctly, and stop any unfair collection or legal actions against me. 



Please let me know if additional information or documentation is required to assist in your investigation. 



Thank you for your attention to this matter. 



Sincerely,

Company response to consumer: Untimely response
Consumer complaint received 2025-09-10 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:
Subject : Dispute of Information Under Section XXXX Dear TransUnion, I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX  - XX/XX/year>

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 2025-09-10 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: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. XXXX seeking that my consumer rights be implemented in the FCRA XXXX XXXX ( XXXX XXXX XXXXXXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-09-10 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:
Unauthorized access to my credit report by several companies has directly damaged both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed, yet they remain. This failure to act is unacceptable. The continued presence of these fraudulent entries is alarming and strongly indicates potential identity theft. This unresolved issue is causing ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: WI

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 2025-09-10 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Newrez Improper Escrow Handling, Payment Posting Failures, and Refusal to Resolve Disputes Complainant : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, DE XXXX Phone : XXXX Email : XXXX XXXX : XXXX  LLC XXXX XXXX XXXX XXXX, SC XXXX Summary of Complaint XXXX  has engaged in repeated misconduct regarding my mortgage account, including : Improper Payment Posting My bank confirms that funds have been sent to XXXX. However, XXXX  continues to claim my mortgage payment has not been received and sends collection calls/texts instead of applying payments correctly. 

XXXX XXXX XXXX  is currently holding over {$400.00} in excess escrow funds beyond my annual obligation. Despite this, they continue to claim additional amounts are due. 

Refusal to Resolve Debt Disputes by Phone When I contact XXXX  by phone, their representatives refuse to discuss or resolve debt disputes, stating that all disputes must be sent in writing. This obstructs timely resolution and forces me into repeated delays. 

XXXX XXXX Denied On multiple occasions, I have asked to speak with a supervisor. Calls are either disconnected or redirected, and no resolution is offered. 

Repeat Pattern of Misconduct This exact issue occurred last year. XXXX delayed resolution by claiming it needed more than XXXX months to respond to my written request. The problem remains unresolved. 

XXXX of Communications XX/XX/year> ( XXXX PM ) : Spoke with XXXX. 

XX/XX/year> ( XXXX PM ) : Spoke with XXXX, who confirmed she would correct a {$0.00} shortage. 

XX/XX/year> : Spoke with XXXX, who requested a supervisor and then disconnected the call. 

XX/XX/year> ( XXXX PM ) : Received a text reminder from XXXX claiming non-payment, despite funds being transmitted by my bank. 

Harm and Requested XXXX XXXX refusal to properly credit my payments, mishandling of escrow, and refusal to resolve disputes by phone have caused undue stress, repeated collection attempts, and the risk of false delinquency reporting. 



Signature : XXXX XXXX XXXX : XX/XX/year>

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I attempted to apply for a line of credit todayan XXXX  XXXX credit card offered by XXXX  XXXX XXXX. My request was not processed because of a credit freeze that was placed with Experian. When I check my credit status through the Experian website I am assured that my credit is NOT currently frozen. However Experian denied the request from XXXX  XXXX XXXX. I attempted to contact a human at Experian for over an hour. Their automated system went around and around in circles and repeatedly denied my requests to speak with a human about this problem. I tried every phone number available on the internet including their corporate offices and never succeeded at connecting with a human who could help with my request.

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 2025-09-10 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-10 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: CA

Complaint narrative:
XXXX XXXX reported to Global Lending that a check was sent to them since XX/XX/year> but Global Lending reports XX/XX/year> that they have not received the check today. Global Lending keep charging me daily interest late payments and XXXX car monthly payments after the car was a total loss and XXXX insurance and XXXX paid. In XXXX XXXX XXXX paid XXXX. XXXX XXXX insurance paid XXXX. XXXX reported the outstanding balance on XX/XX/XXXX for the total loss was XXXX. Global Lending is charging me XX/XX/year> {$3100.00}. The XXXX XXXX XXXX in charge of the extended warranty payment reported once that they were not going to report to me any information since XX/XX/year> until today XX/XX/year> They has not been answering my phone calls since them. The total loss department team has been providing different information contradictory information every time I call. I have called more than XXXX times. I even have been communicaing with the escalation team. Global Lending reported that they will be charging me car payments until they receive the extended Warranty payment. That because they have not received the payment yet I own them XXXX car payments. Global Lending is changing the amount own after the car was a total loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NV

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 2025-09-10 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: NV

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