vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
This is a follow-up to CFPB complaint # XXXX. 
The lenders response did not resolve the issue and misrepresented the legality of their 175 % APR title/registration loan. 
I am requesting that the CFPB review this pattern of conduct and forward to enforcement if applicable. 


I am disputing the lenders response. 

Check Into Cash ( A Speedy Cash Car Title Loans , LLC ) is charging an APR of approximately 175 % on a {$1500.00} title/registration loan issued in XXXX, Arizona. Although they claim compliance with Arizona law, this rate far exceeds the intent of Arizonas consumer lending protections and appears to exploit a licensing loophole that allows extreme interest rates under title loan classifications. 

Additionally, I was told by store staff that I could not be offered a payment plan or hardship option, even though I was actively trying to avoid default. This is predatory and inconsistent with fair lending practices. 

The companys response simply restates the contract terms but does not address my core concerns : The interest rate is excessive and harmful. 
The company refused to work with me on repayment. 
The loan structure resembles the banned payday loan model Arizona voters rejected. 

I am requesting that the CFPB escalate this complaint for further review of Check Into Cashs lending practices in Arizona, and coordinate with the Arizona Department of Financial Institutions to ensure compliance with state and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TN

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I initially disputed a charge of {$360.00} ( Case XXXX ) for Order XXXX after XXXX XXXX failed to deliver the item and failed to issue a refund 37+ days after cancellation.

I submitted a formal rebuttal and documentation to Discover 's disputes team ( acknowledged by agent XXXX ) detailing the merchant 's failure and citing the Fair Credit Billing Act ( FCBA ).

Discover formally denied this dispute on XX/XX/year> ( via email attached ), stating the transaction is " valid, '' which is a clear failure of their FCBA duty for the following reasons : XXXX XXXX formally rejected my first CFPB complaint ( ID XXXX ) on XX/XX/year>, claiming they are not the appropriate party. This action legally transfers the burden of proof and the requirement for provisional credit to Discover, the card issuer. 

Discover 's denial ignores the extensive evidence provided, including the XXXX XXXX cancellation email promising a 10-day refund, and the fact that the transaction remains uncredited long past that deadline. A transaction for a non-delivered, officially canceled, and unrefunded item is not valid under the FCBA. 

Discover has refused to post the mandatory provisional credit, continuing to hold me responsible for the charge while the merchant and the bank can not resolve the failed transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite consistently meeting all payment deadlines, this issue has caused undue stress and sleep disturbances. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the stress caused.

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 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ok, XXXX XXXX XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute several charge-off accounts listed on my credit report. These accounts are reported under the name " Unknown Creditor '' and are associated with the following account numbers : Account # XXXX XXXXXXXX These entries are negatively affecting my credit profile, and I am requesting a full investigation into their accuracy and validity. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information, and the consumer reporting agency is required to investigate the matter unless the dispute is deemed frivolous. 
If these accounts can not be verified as accurate and complete, I respectfully request that they be deleted from my credit report in accordance with FCRA guidelines. Please provide written confirmation of the results of your investigation and any actions taken. 
Additionally, I would like to place a security freeze on my credit report to prevent unauthorized access and protect against identity theft. Please confirm once this has been applied. 
Enclosed are copies of my identification and any relevant documentation to assist with your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MS

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
I got an petition on a open account from Target credit card. I got served today when I tried calling contact number on the petition, I left two voice mail with no answer. Number I called was XXXX, XXXX, and also XXXX i left voicemail on all. ATTORNEY name is XXXX XXXX with attorney in the practice of debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am the victim of a data breach with equifax. I have contacted all 3 credit reporting agencies and they all refuse to investigate. I have gotten letters from all 3 of them saying thatthey do not believ its me filing the complaint i even sent notarized identification to prove its me. I am sending it all to the CFPB so that you can assist me in the investigation.

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 2025-10-28 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: CA

Complaint narrative:
In XX/XX/year>, I applied for a vehicle at a XXXX dealership. I was clearly told that my credit would be run through only their own lender for financing consideration. I verbally authorized one credit inquiry only. However, after submitting my application, I discovered that my credit was run through multiple banks and lenders without my knowledge or consent. 
This resulted in numerous hard inquiries on my credit report, all dated the same day, which significantly harmed my credit score. I was later informed of these additional inquiries only after they occurred. I feel I was tricked and misled about how my information would be used.

This appears to be a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) because these lenders did not have a permissible purpose to access my credit report. It also appears deceptive under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) due to the false representation made to me about how many credit checks would be performed.

I am requesting that all unauthorized hard inquiries made by lenders associated with this XXXX dealership in XX/XX/year> be removed from my credit reports with all three major credit bureaus ( Experian, 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 2025-10-28 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
This account was never supposed to be open, I did not know how to contact the company to advised them to close. I never received a card either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
In XXXX and XXXX, I fell behind on my mortgage by approximately {$400.00}. In XXXX, I contacted Mr. Cooper to ask if the missed payment could be deferred to the back end of the loan so that my account would appear current. I was informed that this option was not available for VA loans, but that I could apply for a loan modification that would extend the loan term to 40 years. At that time, I was not informed that this modification would also change my interest rate. 

I was advised to stop making payments until I was 60 days delinquent, at which point I could apply for the modification. On the 60-day mark, I applied and was approved about 25 days later. I then began making the required trial payments, which were higher than my normal payments. I made two payments of approximately {$1800.00} each. 

After my second payment, I contacted Mr. Cooper to confirm that I was on track for the modification. During this call, I was informed for the first time that my interest rate would be changing. I immediately requested to cancel the modification and instead proceed with a repayment plan. I was then told that a repayment plan could not be established until I was less than three months behind on my mortgage. 

To bring the account closer to that status, I made the following payments : {$1200.00} on XX/XX/XXXX {$1200.00} on XX/XX/XXXX {$550.00} on XX/XX/XXXX After making these payments, I contacted Mr. Cooper again to confirm that the modification had been canceled so I could move forward with the repayment plan. I had received 2 prior confirmations from two separate agents stating that the modification was canceled.As of XX/XX/2025, I was informed that the modification had not yet been canceled, but that my case would be escalated for review. 

I would appreciate confirmation that the modification has been canceled and that I can proceed with setting up a repayment plan. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is really frustrating on my end, Recently I was trying to update my personal information on EXPERIAN credit report specifically regarding my name, address, and my employer information. My full legal name is XXXX XXXX, I live in XXXXXXXX XXXX XXXX XXXX XXXX XXXX and my current employment status is that I am XXXX. I mailed a dispute letter regarding this matter on XX/XX/year> this was confirmed that the letter was received via USPS TRACKER and my mailing tracker number is # XXXX. I just updated my credit report and to my surprise the inaccurate personal information on my credit report is still showing, I still see an inaccurate name on my file, it is XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX when my full name is XXXX XXXX. I was gon na file a complaint to FTC Identity Theft Report but due to the FTC government shutdown I wasn't able to file a complaint.

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 2025-10-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/1987 SSN ( last 4 ) : XXXX Phone : [ Optional ] Email : [ Optional ] Date : [ XXXX ] [ TransUnion / Experian / Equifax ] [ Bureau Address ] RE : Identity Theft Mandatory Blocking of Fraudulent Accounts 15 U.S.C. 1681c-2 To Whom It May Concern, I am the victim of identity theft. The following accounts appearing on my credit report are fraudulent, unauthorized, and must be blocked and deleted : XXXX XXXX Reported Collection/Charge-Off Reported balances approx. {$1000.00} Status inconsistent across bureaus ( duplicate reporting ) Milestone Collection/Charge-Off / Purchased by another lender Fraudulent account, no authorization XXXXXXXX XXXX XXXX XXXX XXXX Placed for Collection / Derogatory Approx . {$980.00} balance, no contract or signature provided All required documents are attached : Government-Issued ID Proof of Address Screenshots of reporting errors Under 15 U.S.C. 1681c-2, you must block these items within 4 business days of receipt. 

Please send written confirmation once completed. 

Sincerely, 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 2025-10-28 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: MA

Complaint narrative:
I am formally disputing inaccurate and incomplete information appearing on my TransUnion credit report. Please conduct a full reinvestigation as required by the Fair Credit Reporting Act and provide a written description of your investigation procedure per 1681i ( a ) ( 7 ). 
Below are the items in question : XXXX. XXXX XXXX XXXX Account ending in XXXX Status shows Charged off as bad debt / dispute resolved customer disagrees. 
Inaccuracy : Reported past-due balance of {$6100.00} and charge-off status conflict with payment history and last activity dates ( XX/XX/XXXX vs. XX/XX/XXXX ). 
Violation : FCRA 1681e ( b ) failure to assure maximum possible accuracy ; 1681i ( a ) ( 1 ) ( A ) failure to reinvestigate properly.

Requested Action : Delete or correct the tradeline to reflect a {$0.00} balance and Paid/Closed No derogatory status. 
XXXX. XXXX XXXX XXXX Account ending in XXXX Status : Charged off/ canceled by credit grantor.

Inaccuracy : Reports both as closed and charge-off, which is contradictory ; balance {$520.00} exceeds the original {$250.00} credit limit.

Violation : FCRA 1681e ( b ) & Metro 2 accuracy standard ( impossible balance ). 
Requested Action : Delete or update as Closed Paid as Agreed. 
XXXX. XXXX XXXX Account ending in XXXX Status : Charged off as bad debt with inconsistent dates ( TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXX 
Inaccuracy : Conflicting update dates across bureaus; reporting as active charge-off with same balance despite charge-off completion. 
Violation : FCRA 1681i ( a ) ( 5 ) ( A ) inaccurate reinvestigation and reinsertion. 
Requested Action : Delete this tradeline due to inconsistent data across bureaus and unverifiable information.

Please verify each item directly with the furnisher and provide the method of verification ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ). If you can not verify each detail with documentary evidence, these items must be deleted immediately.

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 2025-10-28 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: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-28 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief