vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX denied my hardship application. I am the cosigner on the loan. My wife passed in XXXX. There was a loss of income. My daughter is XXXX.and i take care of her. Currently being treated for XXXX XXXX. My only sorce of income is social security. My payments were {$120.00} per month. Now they raised the payment to {$420.00} per month which is impossible for me to pay. Please try and help me with my hardship. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
I have previously disputed XXXX, 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 non-monetary relief
Consumer complaint received 2025-07-14 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: FL

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} INQUIRIES : XXXX  Date : XX/XX/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 2025-07-14 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: LA

Complaint narrative:
Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ), I am requesting a reinvestigation of these items, as I believe them to be either inaccurate, outdated, or unverifiable : XXXX. XXXX XXXX Account ending in XXXX XXXX. XXXX XXXX Account ending in XXXX ( Settlement ) XXXX. XXXX Account ending in XXXX XXXX. XXXX XXXX XXXX  Account ending in XXXX XXXX. XXXX XXXX XXXX ( Collection ) Account ending in XXXX XXXX. XXXX XXXX XXXX ( Collection ) Account ending in XXXX Please verify the accuracy of these accounts, and if they can not be verified as fully accurate and compliant with FCRA requirements, I request their immediate deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX is inaccurately reporting a charged-off account on my credit report. The account was last paid on XX/XX/XXXX and charged off in XXXX. However, the reporting was recently updated in XX/XX/XXXX to show the account as past due again, with a new status date. This is inaccurate and appears to be an attempt to re-age the account, which violates the Fair Credit Reporting Act ( XXXX  ). I previously disputed this information but it was not corrected. I am requesting deletion of this account from my credit report due to illegal re-aging and inaccurate 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 2025-07-14 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-14 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: Big Picture Loans, LLC
State: OH

Complaint narrative:
To Whom It May Concern, I have encountered a tremendous financial hardship and have unfortunately incurred a predatoty with the tribal lender Big Picture Loans with whom I've paid back numerous loans early/on time prior to becoming aware of the predatory nature of these loans under XXXX state law. Despite their widely known " Rent a tribe scheme ''. 

Big Picture Loans has been involved in multiple lawsuits, primarily related to allegations of charging excessive interest rates and operating as part of a " rent-a-tribe '' scheme to avoid state usury laws. These lawsuits have often resulted in settlements where the company agreed to pay out funds to affected consumers. 
Key Points : Usury Law Violations : Lawsuits have claimed Big Picture Loans charged interest rates exceeding those permitted by state laws. 
" XXXX '' Scheme : Big Picture Loans has been accused of partnering with Native American tribes to shield itself from liability for these high interest rates, a practice known as " rent-a-tribe ''. 
Settlements : Big Picture Loans has settled some of these lawsuits, agreeing to pay millions of dollars to affected consumers. 
RICO Act Violations : Some lawsuits also allege violations of the Racketeer Influenced and Corrupt Organizations Act ( RICO ) related to the collection of unlawful debts. 
Affected Borrowers : Consumers who obtained loans from Big Picture Loans ( and sometimes Castle Payday ) during specific time periods, typically between XXXX and XXXX, have been eligible to participate in these settlements, according to a settlement website. Last year alone a XXXX XXXX dollar settlement was reached with claimants/Big Picture due to their predatory practices and attempts to evade state law. 

I am willing to incur taxes incurred in exchange for a debt waiver, and waive any further claim/complaints. Despite XXXX claims, per communication with my state Attorney General, state regulatory bodies, and personal counsel, this loan is not enforceable in my state. I will continue to pursue to the fullest extent unless a resolution is reached and this matter is resolved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX 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 : {$780.00} XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7500.00} XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-07-14 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: MOHELA
State: IL

Complaint narrative:
I am a victim of identity theft. According to FCRA Section 605B this account needs to be removed within 4 days of reporting. Please remove account. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute information on my credit report that I believe is inaccurate. The item in question is from XXXX XXXXXXXX, with the account number XXXX XXXXXXXX Account number XXXX The account shows as unpaid, but I paid it in full on XX/XX/XXXX XXXX  XXXX Account number XXXX The account shows as unpaid, but I paid it in full on XX/XX/XXXX I noticed the following error ( s ) : The payment history lists a late payment in a month when I was on time. 



According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or incomplete. I kindly ask that you investigate this matter and update or remove the incorrect information.

Attached is a copy of my credit report highlighting the account in question, along with proof of payment and any other relevant documents.

Please let me know once your investigation is complete. Thank you for your time. 

Sincerely, 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 2025-07-14 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:
To Whom It May Concern, RE : Formal Demand for Removal of Unauthorized or Inaccurate Information Assertion of Privacy Rights I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and other applicable laws to demand the removal of specific information from my consumer file and to assert my right to privacy and data control. 

Specifically, I request that the following information be immediately deleted from my file : bankruptcy chapter XXXX and chapter 13 This information either : Was not obtained or reported with my express consent or proper legal authorization ( see 15 U.S.C. 1681b, which governs permissible access ), Is not being used for a valid purpose defined under federal law, And/or is inaccurate, outdated, or unverifiable in violation of 15 U.S.C. 1681i ( a ). 

I am formally demanding that this data be deleted from your records and no longer disclosed to any third parties. Additionally, I request a written statement confirming : XXXX. The removal of the above-referenced information, XXXX. The results of any investigation or verification process conducted, XXXX. A full copy of my updated consumer file/report. 

If this request is not honored within the 30-day period required by law, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission XXXX FTC ), and other appropriate regulatory bodies. 

Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
Ive been through human trafficking, and while I was being exploited, my personal and financial details were misused without my permission. This led to fraudulent accounts and debts being created in my name. Id appreciate it if you could look over my credit report considering this background and help fix any mistakes or fraudulent actions that have taken place. Ive included documents from the appropriate authorities and organizations that can confirm my situation.

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 2025-07-14 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: NY

Complaint narrative:
XXXX - XX/XX/XXXX - {$3700.00} XXXX - XX/XX/XXXX - {$4800.00} XXXX - XX/XX/XXXX - {$2300.00} XXXX - XX/XX/XXXX - {$5900.00} XXXX - XX/XX/XXXX - {$5900.00} XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2025-07-14 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: CA

Complaint narrative:
This is my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me : XXXX. XXXX XXXX XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

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 2025-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: OK

Complaint narrative:
From the day I agreed to terms on the loan I began to regret my decision and when I was able I started a refinance on my home to get away from this company. They do not have any type of online portal for payments or balances. AND they hide everything from credit bureaus. I never asked for them to do that... I did not like that at all. 
I emailed to request an amortization schedule in order to estimate my payoff. Once the new mortgage Co was ready to begin the process I asked BHG for a payoff amount and they quoted me an amount quite a bit higher than what my schedule said I should be at, then stated 'if not paid by this date, add {$50.00} PER DAY! ' which seemed quite ridiculous, but that's what the mortgage Co did. 
Once BHG received the payoff from the new loan they tried to say I STILL owed another payment. After questioning them, they finally said in a voice-mail that they would mark it paid in full and send me a statement but today I received ANOTHER email saying I still owe nearly {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I deposited a payroll check into my checking account with Bank of America on XX/XX/year> The funds were placed on hold for XXXX business days, which I believe is excessive and unjustified. This is a regular paycheck from my employer, and I have deposited similar checks before When I contacted the bank, they told me it was " for verification, '' but could not provide any specific reason or timeframe for release. I rely on this money for essential living expenses, and this unexpected hold has caused serious inconvenience and financial stress. 

I am requesting that this hold be reviewed, released as soon as possible, and that this issue be investigated to prevent it from happening again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am filing a complaint about a late payment reported by Ally Financial on my auto loan. 
The payment in question was not for the full car payment it was only {$110.00}, due to a split-payment mistake I made. I believed the full payment was made, but the final {$110.00} portion was submitted the XXXX day on the due date. 
Ally marked this as a late payment because it was submitted after their internal XXXX XXXX ET cutoff, which I was never informed about. I paid because the woman I spoke with said I was ok as long as I paid that day and it wouldnt be reported late believing I was still within the window. 
As a result, my credit score dropped over XXXX points, and this is now hurting my ability to qualify for a mortgage, which I am actively working on. 
I contacted Ally and requested a goodwill adjustment, and was told a request was submitted internally but I have not received any resolution. 
I am asking the CFPB for help in having this late payment removed or amended, especially since the amount was only {$110.00}, not the full car payment, and I acted quickly to correct the situation. I also have been on time and never late before it was a honest misunderstanding I believe this reporting is unfair given the circumstances.

Company response to consumer: Closed with explanation