vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am struggling financially due to a federal student loan that I incurred while attending a college that provided little to no educational value. I did not gain any meaningful skills or knowledge from the program, and the institution failed to deliver the quality of education it advertised. 

This loan has become a burden that I can not afford, and I am now in a position where I am paying for a service that was never properly rendered. My intent in enrolling was to gain employable skills, but the curriculum was outdated, the instruction was substandard, and there was no real career support as promised. As a result, I am not in a better financial position, yet I am expected to repay a substantial debt. 
This situation appears to align with the Borrower Defense to Repayment ( BDR ) provisions under 20 U.S.C. 1087e ( h ) and 34 C.F.R. 685.206 ( e ), which allow borrowers to seek loan discharge if the school misled them or engaged in misconduct. I believe I qualify under this standard, and I intend to formally pursue borrower defense relief if I haven't already. 

Additionally, the college may have violated provisions of the Higher Education Act and engaged in unfair, deceptive, or abusive acts or practices ( UDAAPs ), which fall under the CFPBs jurisdiction under 12 U.S.C. 5531 and 5536.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
This complaint is against TMX Finance of XXXX , Inc. d/b/a TitleMax regarding my Secured Line of Credit Account ( Pledge Agreement ) for my XXXX XXXX XXXX, XXXX XXXX XXXX. My CFPB complaint number XXXX filed on XX/XX/XXXX has not been resolved, and serious violations of federal and Tennessee law XXXXemain unaddressed. I am formally rescinding my contract, demanding the return of my title, and seeking regulatory enforcement.

Facts & Violations : Failure to Provide Accurate APR Disclosures ( Truth in Lending Act Violation ) Customary fees were excluded from the APR calculation despite constituting finance charges.

When included, my effective APR exceeds XXXX %, violating 15 U.S.C. 1638 ( a ) ( 4 ) and 12 C.F.R. 1026.18.

Procedural & Substantive Unconscionability Arbitration and waiver provisions buried in boilerplate, not meaningfully explained, paired with triple-digit APR unconscionable under Tennessee law .

Failure to Honor Cancellation Rights Section D of TitleMaxs own Terms and Conditions states I could cancel a cash advance by the next business day never disclosed or explained.

Collateral Valuation Irregularities XXXX Flexible Credit Act requires accurate collateral valuation. My limit and fees appear based on inflated/unverified vehicle value. 

Deceptive Available Cash Program After making several payments, TitleMax promotes Available Cash without explaining it is a new advance that : Increases principal dramatically. 

Alters repayment terms. 

Wipes out payoff progress. 

No updated TILA disclosures given as required by 12 C.F.R. 1026.5, 1026.9.

Misleading under XXXX Flexible Credit Act and an unfair/deceptive act under 15 U.S.C. 45.

Predatory Payment Structure Original credit limit : {$3000.00}. After available cash, limit became {$3700.00} and balance ballooned to {$4700.00} despite {$8200.00} in payments from XX/XX/XXXX XX/XX/XXXX. 

Pattern of CFPB Complaints Against TitleMax My experience mirrors other CFPB complaints : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all citing deceptive disclosures, excessive APRs, cash back programs, and repossession threats. 

Threat of Retaliatory Repossession This account is in active dispute with CFPB & TDFI. Any repossession during regulatory review violates the XXXX  Consumer Protection Act ( XXXX Code 47-18-104 ) and may trigger FDCPA 1692d & 1692f if done via third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Everest Receivable Services Inc.
State: IL

Complaint narrative:
XXXX with Everest Receivable Services contacted my son and discussed the debt owed, in detail. The number of attempts to contact me, how serious the matter is, who the debt originated from and to collect other means to contact me from him. My son came to me concerned and scared thinking something bad was going to happen over some old credit card debt issue. They were never given authorization to speak to anyone beyond me to dicuss this debt.

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 2025-08-13 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: IN

Complaint narrative:
Experian Unverified Collections & Late-Payment Reporting FCRA 604 ( Permissible Purpose ) & 611 ( a ) ( Reinvestigation ) Experian is reporting negative information on my file, including collection accounts and late-payment notations related to XXXX XXXX ( account ending in XXXX ) and any derivative collection entries. These items were not originated with my Social Security Number and were later linked to my file without my consent. The original application contained fabricated SSN data ( last four XXXX ), which is not my SSN. See attached evidence. 

I sent a written dispute requesting full verification : a signed agreement bearing my SSN, itemized statements, chain of title/assignment for any collection, the Date of First Delinquency ( DOFD ), and proof of permissible purpose under the FCRA. Experian did not provide the required documentation within the statutory timeframe. 

Maintaining unverified or inaccurate information violates FCRA 607 ( b ) ( maximum possible accuracy ) and 611 ( a ) ( duty to conduct a reasonable reinvestigation ). Reporting or retaining information without a permissible purpose violates 604 ( a ). If Experian can not obtain verifiable documentation, these items must be deleted.

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 2025-08-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Someone got loans through affirm after I had my prior loans paid off, all of my information was there and bank information was on file and autopay wasn't turned on, I've had money taken out of my bank account, I reached out to affirm and they told me I was responsible for the loans, I told them my information was stolen and these loans aren't mine, affirm is getting sued, I asked to have all my information removed and they wont do it, my personal information is all locked and you have to contact me to verify its me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy of the following information reported on my credit report. This includes a public record of a Chapter XXXX bankruptcy that was dismissed, and/or associated accounts that I believe are being inaccurately reported as a result. 

This bankruptcy was dismissed, which means the case was closed without a repayment plan being completed or confirmed. Therefore, it should not be reported in the same way as a completed bankruptcy and may be misleading to creditors.

I am requesting that this entry be reviewed and removed entirely if it does not comply with the Fair Credit Reporting Act ( FCRA ), which requires all information to be accurate and not misleading.

I have enclosed the following documentation to support my dispute : Copy of my credit report with the item highlighted Personal document included, proof of address, driver 's license and copy of my social card Please investigate this matter a
nd correct or remove the disputed information from my credit report within the 30-day period provided by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Subject : Unauthorized Hard Inquiries Reported Without My Consent To Whom It May Concern, My name is XXXX XXXX XXXX XXXX, and I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), specifically Section 604. I have noticed four unauthorized hard inquiries on my credit reports that I did not authorize or consent to. 

These inquiries are : XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX  These inquiries were made without my written consent, and the companies involved had no permissible purpose under FCRA Section 604. I have previously sent dispute letters to TransUnion and Experian, but the inquiries remain on my reports, and no proper resolution was provided within 30 days. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue and take appropriate action to have these unauthorized inquiries removed from my credit reports. 

Attached are : My government-issued ID Proof of address A copy of my credit report showing the inquiries in question Thank you for your attention and support. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN 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 2025-08-13 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: MO

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX SSN : XXXX Date : XX/XX/year> To : XXXX P.O. XXXX XXXX, XXXX, TX XXXX Subject : Formal Request to Update Inaccurate or Incomplete Information Delete Accurate Account and Information associated with Accounts I am formally requesting, under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), that the credit reporting agencies and the furnishers of information delete and correct the disputed information shown in the attached document, rather than deleting accurate accounts. 

This letter serves as official notice that the information currently reporting is either incomplete, outdated, or inaccurate in part, and must be brought into full compliance with federal law. 

Relevant FCRA provisions : XXXX. XXXX XXXX. XXXX Requires CRAs to investigate disputed information and correct or update it within XXXX  days. 
XXXX. XXXX XXXX. XXXX ( b ) Requires CRAs to maintain reasonable procedures to ensure maximum possible accuracy. 
XXXX. XXXX XXXX. XXXX ( b ) Requires furnishers to investigate upon notice from a CRA and update or correct incomplete or inaccurate data, reporting changes to all CRAs to which they furnish data. 

Failure to comply with these provisions constitutes a violation of the FCRA and exposes the offending party to statutory damages, actual damages, costs, attorneys fees, and potential punitive damages under XXXX XXXX. XXXX and XXXX. 

Accordingly, I demand : XXXX investigation of the disputed items. 
Correction and deletion of any incomplete, inaccurate, or outdated information. 
Written confirmation of the investigation results and the changes made to my credit file. 

Enclosed/attached you will find a copy of my dispute results and supporting documentation from XXXX. 

Sincerely, XXXX XXXX XXXX This is a copy of the letter thats going out today to the to the bad business bureau ( BBB ) CFPB XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: MS

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 2025-08-13 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00}

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 explanation
Consumer complaint received 2025-08-13 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MS

Complaint narrative:
I am writing to formally dispute the reporting of late payments on the following accounts listed in my TransUnion credit file. After reviewing my credit report, I have determined that the reported late payment history is inaccurate, incomplete, or can not be verified as required under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ]. 
The accounts in dispute are : XXXX. Account name : XXXX XXXX Account number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210000.00} XXXX. Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$84000.00} XXXX. Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$49000.00} XXXX. Account name : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$15000.00}

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 explanation
Consumer complaint received 2025-08-13 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
On XX/XX/year>, I received a packet from Midland Credit Management containing forms labeled as court-ordered and made to look like Indiana Court Documentation. I confirmed via mycase.in.gov and by contacting the clerks office that no such forms were issued by the court.

This representation is false, deceptive, and misleading in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), as well as Indiana state law, as it misrepresents the legal status of the debt and threatens legal action that can not be taken. 

The debt in question is also outside Indianas statute of limitations for legal collection, as the last payment or activity occurred in XXXX. Any attempt to revive or collect on it through false pretenses is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: WI

Complaint narrative:
I am a victim of identity theft which has left me feeling vulnerable and distressed. Fraudulent accountys were opened in my name without my knowledge or consent, causing signifigant harm to mu credit standing. I am determined to take the necessary steps to clear my name, protect my identity, and restore my financial well being. I kindly request that ypu please remove these fraudulent accounts from my credit report, as they do not accurately reflect my financial history or responsibility. I appreciate any support and assistance in overcoming this unfortunate experience. 
Thank You, 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 2025-08-13 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-08-13 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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