vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Subject : Urgent Consumer Complaint Regarding Predatory Lending Practices by Speedy Cash XXXX XXXX XXXX, XXXX, XXXX  I am writing to formally file a complaint regarding a loan I received on XX/XX/year>, from Speedy Cash located at XXXX XXXX XXXX, XXXX, XXXX. I was issued {$1300.00} in cash, but the terms of repayment were not clearly disclosed or explained to me at the time of the transaction. 

Upon later review by my caseworker, we discovered that the Annual Percentage Rate ( APR ) was an alarming XXXX XXXX. I was not provided a full repayment schedule or sufficient documentation to understand the full financial impact. The only document I received in-store stated that I was to pay {$580.00} monthly for XXXX months, totaling {$4100.00}, with a balloon payment of {$1600.00} due in XX/XX/year>. 

This repayment structure brings the total repayment amount to {$5700.00}, which is more than XXXX times the original amount disbursed to me. At no point was the high-interest rate, balloon payment, or the Credit Access Business ( CAB ) fees clearly explained. 

I was unaware of the implications or legality of such terms until my caseworker brought this to my attention. I am on medication and was not in a state to thoroughly understand complex financial agreements. This situation has caused me significant undue stress, and I now fear serious damage to my financial health. 

Given the lack of clear disclosure, the exorbitant interest rate, and my condition during the time of signing, I believe this may constitute a violation of XXXX lending laws, OCCC rules, and CFPB regulations. Specifically, I believe this may fall under unfair, deceptive, or abusive acts or practices ( UDAAP ). 

I am requesting the following actions : Immediate review and investigation into Speedy Cashs practices at this location. 

Clarification of the total cost of the loan and itemized CAB fees. 

Consideration for cancellation, refund, or restructuring of this loan under fair lending principles. 

Assistance and protection from further harm caused by this loan. 

I have retained a copy of the only document provided and am willing to supply it, along with any further information needed for your investigation. 

Thank you for your time and attention to this urgent matter. I trust your office will ensure that predatory lending practices do not continue to harm vulnerable individuals in our community. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: WV

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 non-monetary relief
Consumer complaint received 2025-04-24 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: WV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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:
I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXXXXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-04-24 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: IL

Complaint narrative:
Inaccurate payment history is being reported across Transunion, Experian, and Equifax from XXXX XXXX regarding car loan. According to Compliance Procedures 15 U.S.C. 1681e section b. The consumer agencies are reporting incorrect and different information across all consumer reporting agencies.

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 2025-04-24 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I pulled my credit report and discovered an unfamiliar account from Portfolio Recovery Associates Account Number XXXX. As per the FCRA and FDCPA I exercised my right to dispute the unverified account. I sent my first notice titled debt validation request 1 on XX/XX/XXXX via certified mail and return receipt. Debt Validation request was very specific on documents needed to accurately validate the debt. Documents attached shows in full detail of what was requested and proof of delivery confirmed with a wet ink signature on XX/XX/XXXX. Said company either didn't respond or responded partially with documents that appears to be MADE UP, UNAUTHENTICATED and UNVERIFIABLE. I followed up with a Notice of Opportunity to Cure sent XX/XX/XXXX via certified mail and return receipt, notice was delivered and received with wet ink signature on XX/XX/XXXX. Attached with the Opportunity to Cure, was another copy of Debt Validation Request just in case the first request was misplaced and ensuring that Portfolio Recovery Associates made a full response by sworn affidavit as requested in Debt Validation Request 1. ( XXXX XXXX ) As it had now been 30 days and no full validation of debt, by sworn affidavit providing point by point response was received, I sent a Notice of Default and Final statement along with additional copies of Debt Validation Request 1 and Opportunity to Cure via certified mail and return receipt on XX/XX/XXXX. Documents were delivered and received by wet ink signature on XX/XX/XXXX .All documents sent and mailing receipts are attached. Company has failed to validate debt within the 30 day period and continues to report disputed debt with credit bureaus.A FTC Identity Theft Affidavit has been submitted and is attached. Company has demonstrated several violations as per the FCRA and FDCPA. I am asking for immediate attention regarding this matter as the unverified debt is a result of fraud that has caused serious harm to myself and has affected potential credit opportunities. XXXX XXXX " If your brother sins against you, go and tell him his fault, between you and him alone. '' XXXX " If he does not listen, take one or two others along. '' XXXX " If he refuses to listen to them, tell it to the church. '' I pray everything is done in good faith. Failure to settle this matter I will be forced to file suit and seek remedy in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NC

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Identity Theft Fraudulent Account Still Reported in Violation of FCRA 605B CFPB Complaint Case No. XXXX Submitted : XX/XX/year> Status : Open To Whom It May Concern, This is a formal complaint regarding a fraudulent account being reported on my credit report. I am not liable for this account, and I have already submitted the proper documentation establishing that I am a victim of identity theft. This issue is also addressed under CFPB Case No. XXXX, where I submitted all the required documentation under FCRA 605B, including : A Police Report An FTC Identity Theft Report A written statement of dispute and Evidence showing that the account was opened fraudulently. 

Despite this, the account continues to be reported as valid on my credit reportsparticularly with TransUnion, causing ongoing financial harm and distress. 

Violations and Failures to Act : Under FCRA 605B, a credit bureau is required to block and cease reporting information resulting from identity theft within four business days of receiving valid documentation.

Despite full compliance on my part, the fraudulent account remains on my TransUnion credit file and possibly others. 

The creditor has refused to provide essential verification such as : Signed credit application IP address logs Call recordings Proof of benefit or authorization Reliance on matched personal information like an address, email, or phone number is not a valid defense in cases of identity theft, especially when those elements may have been compromised.

Requested Resolution : I request that the Consumer Financial Protection Bureau ( CFPB ) take action to ensure the following : The account is immediately removed and permanently blocked from all credit bureaus, including TransUnion. 

The creditor and credit bureaus cease all collection activity and reporting of this account. 

All derogatory marks associated with the account are deleted. 

I am provided written confirmation of the accounts removal and my updated credit report. 

This continued reporting is in willful noncompliance with the Fair Credit Reporting Act and is damaging my ability to secure credit and protect my financial well-being. I have met every legal burden required of a victim of identity theft. I now ask that you enforce the laws meant to protect me.

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 2025-04-24 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: NJ

Complaint narrative:
XXXX XXXX account # XXXX This account was reported as a charge off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was chargeoff. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due balance reporting while the report show as a chargeoff? I'm pretty sure you know that it is a violation. I demand the immediate deletion of this account to ensure that your agency is reporting full and only complete information on my account.

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 2025-04-24 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: LA

Complaint narrative:
Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.

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 2025-04-24 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I am requesting the removal of a hard inquiry made by OneMain Financial from my credit report. This inquiry, which appears on my XXXX XXXX XXXX  credit profile dated XX/XX/year>, was made in connection with a credit application that was ultimately denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-24 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
We recently purchased a home and it was finalized through rocket mortgage. Our mortgage was then sold to Mr. Cooper while we were traveling and not home. We recently also just had a newborn baby! We had auto pay set up for rocket mortgage and everything was perfectly fine. We were notified via Mail that we had 60 days with XXXX late fees or penalties from XX/XX/year> however, while trying to figure out and fix issues in the background with rocket mortgage and our auto pay, we were initially told that auto pay would still be transferred over to Mr. Cooper - That was not true and we were later advised via email from Mr. Cooper that it was not transferred over. During this time, all we have received in my wife specifically are threatening emails and phone calls around the clock almost every day. This is completely inexcusable. This company should be absolutely ashamed of itself in the customer service is absolutely abysmal. Every time Ive tried to call the number provided on their website. All it does is send you through a loop of prompts no matter what button or prompt you answer or request to speak to someone or a XXXX it continually loops you around in circles and never actually you get a hold of a person. I would encourage whomever this may concern and the CFPB to please call the number Mr. Cooper provides XXXX as I have never in my entire life come across a company that you pay an exorbitant amount of money to however can never get a hold of an actual person to answer questions or ask them to please stop intimidating your wife. I will be sending this up to every single government agency that will listen because this kind of behavior is completely unacceptable - we did not ask for our mortgage to be sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
These are medical collection accounts that are still reporting on my credit report and negatively impacting my XXXX XXXX. Based on the CFPB 's guidelines and industry standards, medical debt should no longer appear on credit reports or harm consumer credit scores. I am requesting that these accounts be removed entirely, as their continued reporting is inaccurate and unfairly damaging my credit standing. 

The accounts are as follows : XXXX {$1300.00} XXXX XXXX {$1200.00} XXXX {$890.00} XXXX {$640.00}

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