vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
On XX/XX/XXXX I applied for a loan and I got approved for XXXX XXXX The installment payment was XXXX each XXXX weeks till the loan get paid off. The first installment payment was on XX/XX/XXXX, and the second payment was on XX/XX/XXXX. 
The first installment payment went through, but I managed to pay the loan off before the second installment payment. I went online I checked the loan details, I was asked to pay XXXX $ and few sends to get the loan paid off. I did they send me a confirmation email and my balance displayed XXXX XXXX 
I applied for a new loan XXXX days later and I got approved for XXXX that I am currently making payments following the installment schedule till I paid that XXXX also off in the coming days. 
But on XX/XX/XXXX they send me a collection email saying the XXXX XXXX  XXXX  fews send that was supposed to be proceed on XX/XX/XXXX didnt go through because the bank rejected it. I then confirmed thats it corrected because I paid off the loan a day early and I even got a second loan XXXX days later. I asked them if they received the amount to get the loan paid off?, they said yes but they keep pushing me to make the payment of XXXX $ and few cent to close the balance. At first I thought that the payment I made on XX/XX/XXXX didnt go through and that maybe the fund came back to the debit card I used to pay off the loan. So I made a payment for XXXX $ and few cent and suddenly the loan was definitely closed. After that I was still confuse so I went online my bank account to check if the XXXX and few cent I paid on XX/XX/XXXX came back to my card, a the answer is NO. They indeed get the money to pay off the loan but they still proceed with the XXXX on XX/XX/XXXX. So I pushed back to get mor answer so I dont get victimized by them and many of their employees told me they did received the money and it was they system mistake, I then asked to refund my money since they acknowledged that its not my fault but they own system and they refused it. So I called my bank to reclaimed the the XXXX XXXX and few cent that I just paid to them to get that loan paid off a second time. 
And since few weeks they harassing me with collection email and text saying that I need to pay now XXXXXXXX XXXX  for the missing XXXX and few cent plus the accrues fees. 
I have no intention to do that so I am seeing help from you guys. I already sent them all the proof by email to show them my good faith and that I am right about everything but they still want to charge me despite the fact acknowledge that they did received the pay off amount the same day I made the payment and nothing was rejected. 
Please help me fight this and hold them accountable I refused to be a victim of greedy loan lander.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
I have previously disputed Experian, XXXX  and Transunion  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I was in a bit of a jam and looking for a small lending option. I was " matched '' to a loan from XXXXXXXX XXXX XXXX. I received an email stating that I was approved and to log on to continue the process. As I began to look through the information, I noticed that the interest rate was a ridiculous high amount and decided to not continue. A {$950.00} loan would ultimately cost over {$5000.00}! The next day the money was issued to my account by XXXX, but at the same time I kept receiving emails from XXXX to continue with the loan paperwork. When I noticed the funds were deposited in my account, I emailed the company and told them that I was not interested in this " predatory lending ''. I never heard back but continued to receive emails and phone calls to continue the process. I attempted to log back on but could not. A few days later, I received an email reminding me of an upcoming payment. Today, I went through the website and emailed every email address that I could find to dispute the loan, revoke withdrawal and arbitration clauses. I told them that the loan 's usury rate was criminal and exceeded the states cap. This email they decided to respond to immediately and provided a bunch of details about it being a tribal loan and not having to pertain to any states laws, blah blah blah. I am so tired of these companies getting away with this. Something needs to be done to stop 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 2025-07-29 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: MA

Complaint narrative:
To Whom It May Concern at XXXX XXXX XXXX XXXX Equifax, Experian, and TransUnion : I am formally disputing the reporting of late payments on my account ending in XXXX, specifically for XXXX and XX/XX/year> ( 30 and 60 days late, respectively ). These entries are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2, which require furnishers and consumer reporting agencies to ensure maximum possible accuracy in reporting. 

Upon reviewing my credit report, I was alarmed to find these late entries. I spoke with a XXXX XXXX  representative who acknowledged that an incorrect mailing address was on file : XXXX XXXX XXXX, XXXX, XXXX  XXXX, instead of my actual and verified address at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. This misdirection likely caused me not to receive billing statements in a timely manner, resulting in the alleged delinquencies. This is a material error on your partnot mine. 

Per FCRA 1681s-2 ( a ), furnishers are required to report accurate information, and under 1681i, consumer reporting agencies are required to reinvestigate any item disputed by the consumer. The reported late payments are inaccurate, unverified, and must be removed. You are further reminded that failure to conduct a reasonable investigation may result in legal consequences, including statutory damages and actual damages under 1681n and 1681o.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MA

Complaint narrative:
To Whom It May Concern at XXXX XXXX XXXX XXXX Equifax, Experian, and TransUnion : I am formally disputing the reporting of late payments on my account ending in XXXX, specifically for XXXX and XX/XX/year> ( 30 and 60 days late, respectively ). These entries are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2, which require furnishers and consumer reporting agencies to ensure maximum possible accuracy in reporting. 

Upon reviewing my credit report, I was alarmed to find these late entries. I spoke with a XXXX XXXX  representative who acknowledged that an incorrect mailing address was on file : XXXX XXXX XXXX, XXXX, XXXX  XXXX, instead of my actual and verified address at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. This misdirection likely caused me not to receive billing statements in a timely manner, resulting in the alleged delinquencies. This is a material error on your partnot mine. 

Per FCRA 1681s-2 ( a ), furnishers are required to report accurate information, and under 1681i, consumer reporting agencies are required to reinvestigate any item disputed by the consumer. The reported late payments are inaccurate, unverified, and must be removed. You are further reminded that failure to conduct a reasonable investigation may result in legal consequences, including statutory damages and actual damages under 1681n and 1681o.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have contacted all 3 bureaus asking to remove " consumer dispute '' comment off of my credit report and have been told each time that it has been removed. Each time myself and someone else pull my credit report these remarks still appear. This has become of conflict and need it removed ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have contacted all 3 bureaus asking to remove " consumer dispute '' comment off of my credit report and have been told each time that it has been removed. Each time myself and someone else pull my credit report these remarks still appear. This has become of conflict and need it removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-29 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MD

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 2025-07-29 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: IL

Complaint narrative:
I'm writing to dispute and demand correction of inaccurately reported late payments on my credit report tied to this account. These reported delinquencies are simply not accurate, and Im requesting that the creditor provide proper validation for each alleged late payment because, to be clear, this account has always been paid on time, as agreed. 

I take my payment history seriously, and Ive always made every effort to meet my obligations on or before the due date. I have reviewed my own records thoroughly and can confirm there were no missed or late payments on this account during the periods being reported as delinquent. Unless the creditor can produce clear, documented proof including billing statements, due dates, and actual payment posting dates these negative marks must be considered unsubstantiated and legally invalid under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
I received a notice from Shellpoint requesting proof of insurance. Upon receiving this request I contacted my insurance agent and asked him to send the documents. Once my agent confirmed he sent the documents I contacted Shellpoint to ensure they received the documents. A representative confirmed they received the documents. However, Shellpoint removed over {$1600.00} from my escrow account ( for insurance ). I contacted Shellpoint about the payment. I was told the payment was made because my home insurance is included in escrow. I informed the representative that information is incorrect and I need this matter to be resolved. The representative filed a review of the account. In XXXX I received a letter stating that the insurance is included ( the complaint was closed with no investigation ). I contacted the company again and informed them the information was not accurate. That representative filed a complaint against the other representatives lack of investigation. Then had me upload proof of my insurance payments. In XXXX I received an updated review in which my payments were significantly higher than previous payments. I contacted Shellpoint again. That representative ( after aggressively questioning me ) informed me that although Shellpoint made a mistake of sending the money, there is nothing they can do. He said I can contact XXXX XXXX and ask them to send the funds back to Shellpoint. I asked the representative why didn't someone give me this advice earlier ( since I have been contacting them for at least 4 months ). With a lack of empathy in his tone, I no longer wanted to speak with him. So, I requested to speak with his supervisor. He denied me that right for at least 15 minutes ; then he finally transferred me. The supervisor repeated what he said. When I inquired about the monthly payments ( with the high escrow payments ) I did not get a sufficient answer. I called Shellpoint at least 3 times again since that conversation and I am still uncertain about charges. They also stated the XXXX XXXX XXXX that they sent me an email notifying me of removing the {$1600.00}. However, I never received the email because it went to my Spam mail. So, I asked what are their legal obligations to inform a client of charges/fees, etc. and I have not heard back from Shellpoint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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