vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
I had XXXX and couldnt drive my car at the present time. When my check deposit hit my bank account on XX/XX/year>, I tried to pay my bill using the online Title Max portal which I have used for several months in the past and my payment was accepted. I called my local office yesterday XX/XX/year>, and spoke with a customer service representative and was told that she had received calls from several other customers and I was told the system was down and should be back up shortly. She asked me to try it back in an hour. I tried all day yesterday and throughout the night and for some reason the system is not working. As a consumer I believe that I and the other customers who have called their local Title Max office for not being able to pay online should not be charged the excessive interest fee of {$27.00} per day. When I tried paying my bill on XX/XX/year>, my pay was {$890.00}, I tried all day and throughout the night on XX/XX/year>, and the amount has gone up to {$940.00}, This morning on XX/XX/year>, the amount has gone up to XXXX. I am online trying to pay as I am writing this, and it states payment overdue but will not let me pay. 

I am able to print documents from the website but not pay my bill which I believe is odd and doesn't make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am filing this complaint because inaccurate and potentially unlawful credit reporting is occurring on my Equifax credit report related to an account with XXXX XXXX Bank ( Account # ending in XXXX ). 

According to my Equifax report dated XX/XX/XXXX, the account in question : Was opened on XX/XX/XXXX Was paid in full on XX/XX/XXXX Has a {$0.00} balance Was marked 100 % paid off However, as of XX/XX/XXXX, the account is still being updated with a derogatory status of not more than XXXX payments past due. This is factually inaccurate, as the account has been closed and paid off for over XXXX years. 

This is a violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards, for the following reasons : XXXX. Illegal Re-Aging of Debt : The account is being updated with derogatory activity years after it was paid. This is not only misleading but may constitute illegal re-aging under FCRA XXXX and XXXX. 
XXXX. Incomplete Reporting : The XXXXmonth payment history is missing. This violates Metro 2 data furnishing standards and causes the account to appear more negative than it actually is. 
XXXX. False Delinquency Reporting : A closed, paid account can not legally report a new late status. No payments have been missed since XX/XX/XXXX, so reporting late activity in XXXX is both false and harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00}

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 2025-08-02 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: AR

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: Nelnet, Inc.
State: IN

Complaint narrative:
Im writing to formally dispute the inaccurate and inconsistent late payment reporting on the following XXXX DEPTEDNELNET student loan accounts : XXXX XXXX XXXX XXXX XXXX XXXX According to my credit report from XXXX XXXX XXXX both accounts show a XXXX late payment in XX/XX/year>, followed by XXXX lates in XXXX and XX/XX/year>. However, there are no XXXX or XXXX lates reported prior to these dates, which makes absolutely no sense. Credit reporting is supposed to follow a sequential pattern : XXXX, then XXXX, then XXXX, then XXXX days late. Jumping directly to XXXX XXXX XXXX days with no prior delinquencies is both inaccurate and misleading. 

To make matters worse, I pulled my credit reports from all three bureaus and noticed that the late payment history isnt even consistent across them. XXXX bureau reports a different sequence or date than the others, adding to the confusion. This inconsistency is incredibly frustrating and has left me unsure of which version lenders are seeing making it harder to qualify for credit and damaging my financial reputation for something that is clearly not being reported correctly. 

Under FCRA 623 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Reporting a XXXX or XXXX delinquency without a corresponding XXXX or XXXX entry directly violates this provision. 

Additionally, per the Fair Credit Billing Act ( FCBA ) 15 U.S. Code 1666 and 1666a, I have the right to dispute billing errors and request that no further derogatory action be taken while the dispute is ongoing. I feel like my rights as a consumer are being ignored, and I am left dealing with the consequences of an error I did not create.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: WA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$200.00} Inquiries : XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: IN

Complaint narrative:
I have disputed multiple outdated and unrelated phone numbers and addresses from my TransUnion credit file. These numbers are no longer in use, not associated with any open accounts, and are affecting my creditworthiness. I have submitted disputes multiple times, and TransUnion has failed to remove them. Insurance company will not confirm information and I have canceled my account due to not having a vehicle any longer and i was still being charged for no use of insurance. Under federal and state consumer protection laws, I am requested a written documentation for all charges on my account. I also requested the exact date my policy was canceled and why further coverage was charged if I had no vehicle or active use. Yet it is still on my account and nothing has been provided for the third time. Due to this outdated information that has been used to deny me housing and employment. Leaving myself and XXXX children homeless even with a section XXXX voucher! Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to maintain accurate, up-to-date information. I am also protected under XXXX due to prior XXXX XXXXXXXX and forced relocation, and I request that all unrelated or old contact info be permanently removed for my safety and privacy. I am requesting immediate correction and full deletion of this inaccurate personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: IN

Complaint narrative:
I have disputed multiple outdated and unrelated phone numbers and addresses from my TransUnion credit file. These numbers are no longer in use, not associated with any open accounts, and are affecting my creditworthiness. I have submitted disputes multiple times, and TransUnion has failed to remove them. Insurance company will not confirm information and I have canceled my account due to not having a vehicle any longer and i was still being charged for no use of insurance. Under federal and state consumer protection laws, I am requested a written documentation for all charges on my account. I also requested the exact date my policy was canceled and why further coverage was charged if I had no vehicle or active use. Yet it is still on my account and nothing has been provided for the third time. Due to this outdated information that has been used to deny me housing and employment. Leaving myself and XXXX children homeless even with a section XXXX voucher! Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to maintain accurate, up-to-date information. I am also protected under XXXX due to prior XXXX XXXXXXXX and forced relocation, and I request that all unrelated or old contact info be permanently removed for my safety and privacy. I am requesting immediate correction and full deletion of this inaccurate personal data.

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 2025-08-02 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-02 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: WV

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-02 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: WV

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: NRA Group, LLC
State: FL

Complaint narrative:
Issue : XXXX XXXX XXXX by XXXX XXXX This is known as re-aged debt or zombie debt, where a previously disputed, invalidated, or paid debt keeps reappearing on your credit under new collection agencies. 

If you've already disputed and won this debt, any future reporting by other collectors is likely a violation of federal law. 
This is a re-aged medical debt that has already been successfully disputed and should not be reported again by another collection agency. This debt is invalid and should be permanently removed.

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 2025-08-02 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: DE

Complaint narrative:
Several unauthorized inquires occurred between XXXX XXXX. All at XXXX dealership. Yes JUST XXXX. Yet these incompetent dull men decided to run my credit through XXXX bank XXXX and XXXX XXXX? once on XX/XX/XXXX and AGAIN on XX/XX/XXXX? Who does that? Then I see XXXX? XXXX Bank? XXXX? Nope sorry SHOW ME THE PROOF please explain why I would have an EXPERIAN XXXX score of XXXX at the time and apply for financing at a XXXX XXXX  yet they decided to give my bussiness to XXXX? XXXX? Does that make XXXX sense at all? I was stunned to see XXXX inquires from XXXX dealership over XXXX separate days like what the XXXX are you doing? XXXX at a XXXX dealership so you run ny credit through XXXX then we go about our bussiness yu don't get so desperate for me to buy a car that you XXXX my life up for a commission! I'm trying to get a house and now im on hold because of this.

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 2025-08-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-08-02 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: NV

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
XXXX XXXX, XXXX is reporting a charged-off account on my credit report while simultaneously attempting to collect on the same debt. This is misleading and potentially unlawful under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to my credit report, the account is listed as charged off ; however, I have not received any documentation from XXXX XXXX, XXXX confirming that they legally own this debt, that the debt was officially charged off by the original creditor, or that it was reported to the IRS as a loss. If this debt has truly been charged off and reported for tax purposes, it should no longer be subject to collection activities. Furthermore, XXXX XXXX, XXXX continues to update the account status and balance on my credit report, which may violate FCRA guidelines requiring accurate and complete reporting.

Under 15 U.S. Code 1681s-2 of the FCRA, furnishers of information like XXXX XXXX, XXXX are required to report accurate, current, and verifiable data, and must not provide misleading or outdated information. Continuing to report or collect on a charged-off account without clear validation or documentation of ownership violates these requirements. 

I have requested validation and supporting documentation of this debt and its charge-off status, including any IRS reporting forms ( such as a XXXX, if applicable ), but have not received a response. Therefore, I ask the CFPB to investigate whether XXXX XXXX, XXXX has violated the law by continuing to report and attempt to collect on this account without proper verification.

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 2025-08-02 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies, unauthorized accounts/information, and addresses. Despite my effort to resolve directly with the credit agency it remains unresolved. I request immediate Investigation and removal of the listed items as they are incorrect and have been detrimental to my life and credit health. XXXX  : XXXX XXXX {$220.00}, XXXX XXXX {$240.00}, XXXX XXXX {$16000.00}, and XXXX XXXX XXXX {$15000.00} INVALID ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX. I have called all three credit reporting companies with no XXXX. Please refer to FTC report attached.

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