vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Issue : Incorrect account status, improper payment application, harassment, and repossession threats during dispute What happened : I am filing a new complaint against TitleMax due to ongoing issues that were not resolved in my previous CFPB complaint and have escalated significantly since then. 

1. My payments were not applied correctly, and the balance has not decreased. 
I have paid approximately {$8300.00} over seven months, yet my principal balance has not gone down. TitleMax has refused to provide : A full and accurate payment audit A corrected payoff statement Verification of how payments were applied This raises concerns about misapplication of payments and deceptive refinancing practices. 

2. TitleMax is threatening repossession during an active dispute. 
While I have been attempting to resolve this matter through regulators, TitleMax has escalated their collection activity. I have received multiple shortcode text messages stating : Your account is w/our collections team. 

Repossession eligibility confirmed. 

These messages are designed to pressure me into phone contact and payment, despite my written dispute and ongoing regulatory efforts. I have uploaded screenshots of these messages. 

Threatening repossession during an active dispute is abusive and may violate federal consumerprotection standards. 

3. TitleMax has not provided required disclosures. 
I requested all disclosures required under Texas Finance Code 348.202 and 349.101. TitleMax has not provided them. This includes : Accurate itemization of fees Accurate payoff information Clear disclosure of CAB fees and lender interest Documentation of refinancing terms 4. The Texas OCCC reviewed the loan structure but could not address the core issues. 
I filed a complaint with the Texas Office of Consumer Credit Commissioner ( OCCC ). Their written response ( uploaded ) states : They reviewed the loan structure only They can not regulate the lender They can not force TitleMax to correct payment application They can not stop repossession threats They can not enforce disclosure requirements beyond structural compliance The OCCC explicitly stated they can not address the issues I raised regarding payment application, disclosures, or collection behavior. This is why federal intervention is necessary. 

5. TitleMax continues to ignore written communication and attempts to force phone contact. 
Despite my written dispute, TitleMax continues to : Send collection threats Demand phone contact Refuse to provide written documentation Ignore requests for a full audit This behavior is coercive and prevents me from resolving the issue transparently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am NOT claiming identity theft. I am disputing inaccurate, incomplete, and unverified credit reporting under the Fair Credit Reporting Act ( FCRA ). 

Despite submitting disputes, the following accounts continue to report conflicting, misleading, and unverifiable information across consumer reporting agencies : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ; XXXX XXXX XXXX  ( Original Creditor : The XXXX XXXX Apartments ) ; medical collection account ending XXXX. 

These accounts are reported with inconsistent balances, account terms, payment histories, dates, and statuses ( charged-off, closed, collection ), and include unresolved or contradictory dispute notations. In multiple instances, the furnishers and credit bureaus failed to disclose or provide the method of verification or documentation supporting the accuracy of the reporting. 

These actions violate 15 U.S.C. 1681g ( a ) ( 1 ), 1681i ( a ) ( 1 ) ( A ), and 1681i ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
Asked for debt validation and cease and desist of contacting me. Nothing was shown and calls never stocked.

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 2025-12-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX reporting of late payments, charge-off, and/or closed account information. 

Prior to negative reporting, I provided XXXX XXXX with notice and documentation of medical hardship and loss of employment and requested assistance to maintain the account in good standing. No reasonable hardship accommodation or alternative payment options were provided, and the account was reported negatively after documentation had already been submitted. 

I have disputed this reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). XXXX XXXX has failed to demonstrate that it conducted a reasonable investigation or that the reported information is accurate and complete. 

Under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ), furnishers are prohibited from reporting unverifiable or misleading information and must correct or delete inaccurate reporting. 

If XXXX XXXX can not substantiate the accuracy of all negative information, immediate deletion is required by law. 

I am requesting that the CFPB : Require XXXX XXXX to fully investigate this matter Enforce correction or deletion of late payments, charge-off, and closed account reporting Address XXXX XXXX failure to offer hardship assistance following documented medical and employment hardship

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 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management
State: FL

Complaint narrative:
This complaint concerns a rental debt from 2020 that was incurred for business purposes. I did not personally guarantee this account. XXXX XXXX XXXX is reporting and attempting to collect this debt as an individual consumer obligation in the amount of {$19000.00} without providing proof of a personal guarantee. This is a misrepresentation of the debt and constitutes inaccurate credit reporting under the Fair Credit Reporting Act. I have disputed this account with the credit bureaus and request deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing this complaint regarding an improper {$10.00} late fee assessed on my Wells Fargo safe deposit box annual rental fee. This is a one-time annual charge, and I contacted Wells Fargo before XXXX late fee was applied to request relief due to the government shutdown. I work on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

When I called Wells Fargo, I was informed that there was a hardship accommodation available related to the government shutdown. However, representatives were unsure how to apply or document the hardship and transferred me multiple times without providing clear guidance. I was advised that I would not be charged a late fee while this was being addressed. 

Despite contacting Wells Fargo in advance and relying on the information provided, a {$10.00} late fee was later added. This fee should not have been assessed, as I acted in good faith, requested hardship relief before any penalty was imposed, and the delay resulted from Wells Fargos failure to properly apply or process the hardship accommodation.

Additionally, Wells Fargo restricts safe deposit box rental fees to in-branch payment only. I should reasonably be able to pay the annual rental fee online or over the phone. This restriction created an unnecessary barrier during the government shutdown and contributed to the delay for which I am now being penalized. 

I am requesting reversal of the {$10.00} late fee, written confirmation that my safe deposit box account is in good standing, the ability to pay future annual rental fees through a reasonable non-branch method such as online or phone, and assurance that no additional fees or penalties will be assessed as a result of this issue.

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit limit is very low in comparison to average. I applied for increase several times, the bank denied all requests. As a result I do not have financial tools, which a regular person has, and I have to go to payday or high interest loan companies, whenever I have unexpected expences ( like at this moment ). With a low credit limit it is impossible to raise credit score due to high percentage borrowing ratio. Due to adverse actions of my bank, I can not apply to other banks. I can definitely forget about buying a house and even about any major purchase like a vehicle loan. My credit limit is only {$1000.00}, comparing to average of {$25000.00} to {$40000.00}, it is laughable. It is like two-tier system. One for citizens, one for non-citizens like myself. I am sorry, but it feels and looks like an old school redlining. Limited access to financial tools ( almost no access in my case ) compared to easy access to different financial tools. Maybe I am wrong, but that is how it feels to me. And these limits do have negative impacts on my financial well-being.

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 2025-12-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this follow-up complaint because my credit reports continue to contain numerous inaccurate, incomplete, and unverifiable entries that have significantly harmed my creditworthiness, despite my prior disputes and validation requests, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). A closed XX/XX/XXXX account with a {$0.00} balance remains reported with late payment information even after dispute, which is materially inaccurate and inconsistent with FCRA 1666 and 1666a regarding billing error corrections, FCRA 611 concerning reinvestigation requirements, and FCRA 623 ( a ) ( 2 ) and 623 ( b ), which require furnishers to accurately report and correct disputed information. In addition, two collection accountsXX/XX/XXXXXXXX for an allegedXX/XX/XXXXbalance of {$1400.00} and XXXX XXXX XXXX for an alleged XX/XX/XXXXbalance of XX/XX/XXXX XXXX to appear on my credit reports without proper validation, without accurate or consistent reporting of the Date of First Delinquency, and without adequate proof of ownership or authority to collect, in violation of FDCPA 807809 and FCRA 605 ( a ) regarding obsolete information, 605 ( c ) regarding proper DOFD usage, 609 ( a ) ( 1 ) regarding my right to full disclosure of information used to create these tradelines, and 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) requiring complete and accurate reporting by furnishers. Furthermore, my credit reports reflect numerous hard inquiries from entities including XXXXXX/XX/XXXXXXXX XXXX and others on various dates, many of which were not authorized by me to the best of my knowledge and appear duplicative or unsupported by a permissible purpose, raising concerns under FCRA 604 . Despite my prior disputes, these issues remain unresolved, suggesting that the reinvestigation process was inadequate and did not comply with federal standards, necessitating CFPB intervention to ensure lawful reporting and fair treatment.

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 2025-12-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this follow-up complaint because my credit reports continue to contain numerous inaccurate, incomplete, and unverifiable entries that have significantly harmed my creditworthiness, despite my prior disputes and validation requests, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). A closed XX/XX/XXXX account with a {$0.00} balance remains reported with late payment information even after dispute, which is materially inaccurate and inconsistent with FCRA 1666 and 1666a regarding billing error corrections, FCRA 611 concerning reinvestigation requirements, and FCRA 623 ( a ) ( 2 ) and 623 ( b ), which require furnishers to accurately report and correct disputed information. In addition, two collection accountsXX/XX/XXXXXXXX for an allegedXX/XX/XXXXbalance of {$1400.00} and XXXX XXXX XXXX for an alleged XX/XX/XXXXbalance of XX/XX/XXXX XXXX to appear on my credit reports without proper validation, without accurate or consistent reporting of the Date of First Delinquency, and without adequate proof of ownership or authority to collect, in violation of FDCPA 807809 and FCRA 605 ( a ) regarding obsolete information, 605 ( c ) regarding proper DOFD usage, 609 ( a ) ( 1 ) regarding my right to full disclosure of information used to create these tradelines, and 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) requiring complete and accurate reporting by furnishers. Furthermore, my credit reports reflect numerous hard inquiries from entities including XXXXXX/XX/XXXXXXXX XXXX and others on various dates, many of which were not authorized by me to the best of my knowledge and appear duplicative or unsupported by a permissible purpose, raising concerns under FCRA 604 . Despite my prior disputes, these issues remain unresolved, suggesting that the reinvestigation process was inadequate and did not comply with federal standards, necessitating CFPB intervention to ensure lawful reporting and fair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am requesting a waiver for the {$29.00} late fee ( charged XX/XX/XXXX ) and the {$14.00} interest charge ( charged XX/XX/XXXX ) on my AMEX Gold Card. 

While a previous agent noted that my XXXX enrollment appears to have occurred after the fees were assessed, this is due to a technical error on the American Express website. I successfully completed the Autopay enrollment process well before the payment due date. At that time, the website provided a confirmation message stating I was successfully enrolled in Autopay, way before XX/XX/XXXX. After the fees, I realized that the website had glitched, so I enrolled in Autopay a second time on XX/XX/XXXX. It appears that websites frontend confirmation did not sync with your backend system the first time I enrolled in Autopay, but was successful the second time I enrolled on XX/XX/XXXX. 

I know this is a recurring technical glitch because I experienced the exact same issue with my AMEX Delta SkyMiles Card : the website confirmed enrollment, but the system failed to register it until I did it a second time. Luckily, I re-enrolled in Autopay and it successfully registered with the AMEX Delta Skymiles Card. 

Since I attempted to pay on time with Autopay and was misled by a website error, I request that you credit the late fee and interest as a goodwill gesture.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: MI

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : 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 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 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 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 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 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 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

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 2025-12-24 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: MI

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : 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 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 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 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 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 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 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

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a Citi AAdvantage Business Credit Card. For over two months, the card has been intermittently declined for legitimate transactions despite sufficient available credit. 

The decline message consistently states that the charge can not be processed due to incorrect information ( expiration date, security code, or address ). This explanation does not match the facts. The same stored card credentials are used successfully and then declined minutes later at the same merchant, without any change to the information. When a decline occurs, the identical transaction succeeds immediately using a different credit card. 

The declines disproportionately affect larger transaction amounts, while smaller transactions are often approved. This pattern indicates a risk-based authorization or security control issue rather than incorrect card information. 

Over the past two months, I have contacted Citi numerous times and worked with customer service, the Fraud/Transaction Fraud team , and 3D Secure. Fraud flags and 3D Secure issues have been ruled out multiple times. I have spoken with several supervisors who stated that the issue requires manager-level or specialized technical intervention. Despite repeated promises of escalation and callbacks, no case owner has been assigned and no manager has contacted me. 

As a result, I am unable to reliably use my business credit card, and Citi has not provided a clear explanation of the actual decline reason codes, ownership of the issue, or a resolution plan.

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