vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
On XXXX at approximately XXXX I went into the store Checks to Cash address XXXXXX/XX/XXXXXXXX XXXX XXXX phone number XXXX. I was told that I was approved for a loan and I filled out all the required information. I asked them several times if I was approved because I did not want to go through all of this and then be told that I was not approved. I was reassured more than once, that yes I was approved I just need to get theXX/XX/XXXXcard then they would move forward and deposit the funds. However we hit a snag and I had to step outside to call XXXXXX/XX/XXXX about why the card was declined. After resolving the issues with XXXXXX/XX/XXXX, I came back inside. I continued the process with a different agent who said I was declined. I was speechless and extremely upset. I kept asking why I was approved when I was first started the application and all I was waiting for was them to deposit the funds and when I came back, I'm suddenly declined? I wasted 3 hours in the store and I had a very important deadline I missed because I was convinced as they told me I had been approved for a loan. When I asked why I was approved and suddenly declined after restarting the application, they did not answer me. I do have voice recordings for proof that I was approved before they lied and said I was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: MN

Complaint narrative:
XXXX around XXXX my father assisted me in entering a recognized government student loan forgiveness program. I met the criteria to qualify for such program. The installments that were determined by the individual representing such program were discussed and established with the assistance of my father XXXX XXXX. We received documents, signed them and officially entered into such government program. All dues owed as related to the established installment payments were completely satisfied and paid. I continued to maintain and remain eligible. That was in XXXX. But come current to XX/XX/XXXX my credit report continues to reflect such debts which have since reached XXXX XXXX of whatever remaining balance is by law and by the policy of such government loan forgiveness program, that or any remaining balance should be XXXX. As I completed such XXXX XXXXr program etc. Yet I gave a significant balance reflecting as still owed. No. The forgiveness program was satisfied by myself with the assistance of my now deceased father. This needs to be corrected, updated, and reflect that such debt is satisfied. I want the alleged outstanding amount of debts that are inaccurately being reported to be adjusted to XXXX, paid off/Settled, etc or defined as it relates to each separate debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The payments which were indicated as delinquent were being negotiated with XXXX XXXX XXXX attached contract which shows they were negotiating on my behalf. 

Subject : XXXXXXXX XXXX XXXXXXXX XXXX Reporting Errors To Whom It May Concern, I am writing to formally dispute the reporting of the XXXXXXXX XXXX account # XXXX. XXXXXXXX XXXX  is inaccurately reporting late payments and inconsistent balances across the credit bureaus. These errors constitute violations of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires maximum possible accuracy in credit reporting. 

Furthermore, XXXXXXXX XXXX  has failed to provide proper documentation verifying my liability for the alleged account activity. In accordance with FCRA 611 ( a ), any information that can not be verified must be deleted from my credit files maintained by Equifax, Experian, and TransUnion. 

I respectfully request that the unverifiable and inaccurate information associated with this account be immediately removed. Please confirm in writing once the deletion has been processed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX, XXXX XX/XX/year>

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The payments which were indicated as delinquent were being negotiated with XXXX XXXX XXXX attached contract which shows they were negotiating on my behalf. 

Subject : XXXXXXXX XXXX XXXXXXXX XXXX Reporting Errors To Whom It May Concern, I am writing to formally dispute the reporting of the XXXXXXXX XXXX account # XXXX. XXXXXXXX XXXX  is inaccurately reporting late payments and inconsistent balances across the credit bureaus. These errors constitute violations of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires maximum possible accuracy in credit reporting. 

Furthermore, XXXXXXXX XXXX  has failed to provide proper documentation verifying my liability for the alleged account activity. In accordance with FCRA 611 ( a ), any information that can not be verified must be deleted from my credit files maintained by Equifax, Experian, and TransUnion. 

I respectfully request that the unverifiable and inaccurate information associated with this account be immediately removed. Please confirm in writing once the deletion has been processed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX, XXXX XX/XX/year>

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-16 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: MD

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: ADP Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/year> To : BBB and CFPB Subject : Formal Complaint Regarding Unauthorized Payroll Deductions and Direct Deposit Changes Dear BBB, I am submitting this letter as a formal complaint regarding serious payroll and wage concerns affecting my paycheck. I have experienced repeated unauthorized changes to my payroll deposits and excessive, duplicate fees that have deprived me of my earned wages. 
Specifically : My direct deposit information in XXXX was changed without my authorization, resulting in my paycheck being deposited into an account controlled by [ XXXXXXXXXXXX  company name ], rather than my personal bank account. 


This change occurred despite my clear intent and prior updates to ensure my wages were deposited directly into my personal checking account. 


The company deducted daily fees from my earned wages, then charged those same fees again on payday, effectively double-charging me. 


Most recently, my entire paycheck was taken without my permission, disregarding the payment plan I had requested. This has prevented me from paying essential bills and has caused financial hardship. 


I want to emphasize : I never authorized anyone to alter my direct deposit information. 


I never consented to have my wages withheld in this manner. 


No court order or garnishment exists to justify these deductions. 


This situation constitutes unauthorized payroll activity and wage theft. 
Accordingly, I am requesting the following actions : Immediate reimbursement of all unauthorized deductions and double fees, including the most recent full paycheck taken. 


Restoration of my direct deposit to my personal bank account and written confirmation that only I may authorize changes going forward. 


A full written accounting of all fees, deductions, and wage disbursements related to my employment. 


A clear payment plan option, if applicable, that does not involve unauthorized access to my wages. 


Please consider this a formal demand for resolution. If this matter is not corrected promptly, I will be compelled to file complaints with the XXXX Department XXXX XXXX XXXX and XXXX XXXX, my state XXXX XXXX, the Consumer Financial Protection Bureau, and other relevant regulatory authorities. I will also be consulting with legal counsel regarding potential remedies under federal and state wage theft laws. 
I trust this matter can be resolved quickly and fairly. Please respond in writing within XXXX business days to confirm corrective actions. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding Improper Collection Reporting XX/XX/year> Acce # XXXX Amount {$2600.00} I dispute the LVNV Funding collection [ insert account number ]. LVNV is reporting balances and dates inconsistently across bureaus, violating FCRA 607 ( b ). No documentation proving assignment or ownership has been provided. Account was sold annd paid to another company. Under 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
They have bought debt for XXXX XXXX or someone with the last name of XXXX. 
I dont know who they are looking for. 
XXXX is a very common name. 
This happens about every couple of years since we moved from XXXX, Ca. The XXXX XXXX down to XXXX Ca. 
Why we dont know. My wifes name is XXXX, my name is XXXX. See any simularity? 
No Ive got ahold of several of these companies XXXX the past they say they will correct the info and stop calling. 
THEY ARE Lieing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: IL

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 2025-09-17 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: DE

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent
and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-17 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent
and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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