vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I started out getting a 0 % loan in 2020 on a treadmill that I bought that cost around {$7000.00} I can not remember how much I put down but it was XXXX. At that time my financial situation was great. 

I lost a job, and I had alot of the same bills rent, car payments, other loans and I ended up taking out another loan for I think {$2500.00} I could not keep up with the payments, and I was getting calls every night from this smart a % % manager named XXXX, that does not work their anymore. I paid a few payments, and then it was a time that he told me to take {$120.00} to his office in XXXX XXXX. HIs office is was in XXXX XXXX XXXX 

When I got to the office in XXXX the staff person called XXXX on the phone and he wanted {$180.00}, and told me to go borrow the money if I did not have it. I think I had {$160.00} on me that day, and I walked out of the office, and was thinking for a few minutes about going to borrow the money, but then decided to not do it because I had been treated like XXXX over the phone for about a year, and I decided I was not paying him another dime. 

One of things that XXXX continued to tell me that he was going to send it to their lawyer in XXXX and that if he did that my {$3500.00} balance was going to double to {$7000.00} which I have found out now was not true. 

The other thing that Tower Loan does is they pressure you to name all of these items that you have at home tvs computers lawn mowers etc in order to get the loan and I think that is fradulant Fast Forward about a year, where I did not hear from Tower loan except for an occasional text saying that I could get a settlement but I would not call because I thought XXXX was still the manager, and he is a dirt bag manager. So, I am going to my bank at XXXX and they have put {$3500.00} holds on both of my accounts and have charged me {$150.00} garnishment legal fee. 

I waited a few days and finally called the XXXX XXXX XXXX at XXXX, and I talked to the new manager XXXX, and she was very nice. I agreed to take {$200.00}, which I am not 100 % sure if I can take it this week but I am going to try to so she can take the holds off of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
Dear Universal Acceptance Corp, I am formally disputing the debt listed on my credit report under the above-referenced account number. I have no clear recollection of this alleged debt, and no documentation has been provided to confirm its validity.

Please provide:1. The original retail installment contract, payment history, and breakdown of charges.2. Documentation regarding any vehicle repossession and resale value.3. Deficiency notice and legal right to collect.4. Proof this item is accurate and being legally reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC

Complaint narrative:
I am submitting this formal complaint to both your agencies regarding repeated and unlawful actions taken by consumer reporting agencies and furnishers of information, specifically XXXX XXXX XXXX XXXX which have directly harmed my credit profile, financial stability, and access to housing.

Despite numerous requests and disputes, my credit reports continue to reflect the following inaccuracies and violations : Improperly reported medical debt Incorrect or inflated credit card balances Personal information errors including misspelled name ( s ), outdated addresses, and inaccurate data Adverse items beyond the reporting window of seven years These inaccuracies have caused significant hardship decreasing my credit score, hindering my ability to secure credit or stable housing, and unfairly tarnishing my financial reputation. 



Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602, there is a clear obligation for consumer reporting agencies to operate with fairness, accuracy, and respect for consumer privacy. Yet, in my case, these agencies have repeatedly failed to uphold these standards. I am the consumer protected by these laws, and I am asserting my rights.

I also cite 15 USC 6801, which mandates that financial institutions must protect the confidentiality of consumer information. These furnishers including medical providers and credit card companies did not obtain my written consent as required under 15 USC 1681 Section 604 ( a ) ( 2 ) to share this information with Equifax, Transunion and Experian. I formally revoke any implied, verbal, or previous consent given.

According to 12 CFR 1016.7, I reserve the right to opt out of data sharing at any time, and I am doing so now.

Furthermore : 15 USC 6802 ( b ) ( c ) states I should have been informed of my right to nondisclosure. I was not.

15 USC 1681c ( a ) ( 5 ) prohibits the reporting of outdated adverse items yet these still appear.

15 USC 1681s2 ( a ) ( 1 ) ( A ) prohibits the reporting of any information known to be inaccurate.

15 USC 1681e mandates reasonable procedures to ensure accuracy which have not been followed in my case.

I am asking that the CFPB to step in and enforce the laws written to protect consumers like me. These violations have real-life consequences, and Im requesting immediate review and support in holding these entities accountable.

I am happy to provide documentation, including dispute letters, credit report screenshots, and identity verification if needed. I appreciate your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX when I woke up I was alerted by my credit report on my phone that my credit score had dropped XXXX points because I was delinquent XXXX dollars on my credit card payment. I instantly made a {$10.00} payment just to be on the safe side. I called capital one and explained to them I never been delinquent they could see my history and ask them could they fix this. I did not receive any notification that I was XXXX dollars delinquent prior. The representative informed me that they could not fix this issue and that they are not the credit bureau that I will have to contact them. I asked to be transferred to a higher up they continued to refuse that the issue could be resolved. As a hard work and citizen and a loyal member to capital one is unfit that my credit dropped XXXX points over XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: PA

Complaint narrative:
I am formally disputing a collection account reported by XXXX XXXX and documenting my repeated, unsuccessful efforts to obtain verification of the alleged debt, which violates federal consumer protection laws. 

On XX/XX/year>, XXXX charged off account number XXXX with an original balance of {$2600.00}, now reported as {$3000.00} after a collection fee. Since discovering this account on my credit report, I have made multiple attemptsby phone with XXXX XXXX XXXX ( XXXX ) and in person at the corporate store at XXXX XXXX XXXX XXXX, XXXX, XXXX obtain : A copy of the final bill A detailed breakdown of charges Verification that the account belongs to me To date, no documentation or validation has been furnished, and XXXX has confirmed they are unable to access or provide any records related to this account. 

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), a furnisher of information must ensure the accuracy and integrity of the information they report. Under 15 U.S.C. 1681i, if disputed information can not be verified, it must be deleted from the consumers credit file. Furthermore, if this debt has been assigned to a collector, the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) requires that all collection activity cease until the debt is validated. 

I am respectfully requesting that this account be immediately removed from all credit reporting agencies unless XXXX or its agents can produce written verification of the debt and my legal obligation to pay it. Failing to do so would constitute a continued violation of federal law. 

Thank you for your time and prompt attention to this matter. 

Sincerely,

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 2025-05-25 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: FL

Complaint narrative:
There are a lot of inquiries on my account that I do not recognize that I believe are incorrect, as well as an auto loan from XXXX that has already been paid off due to me trading in my car and signing up for a different loan. This is severely impacting my credit, and I find it unacceptable as someone who has never missed a payment. My address is also incorrect, as well as my Job title.

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 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America came sent a third party to my house and gave my husband ( whom is not on my account and is not authorized person on my account ) A copy of my last statement with the total amount owed and that I was behind, Bank of America also called my daughter in another state, and reported to her that I was behind on payments as well as another friend, whom Im not sure how they got her number? And reported to her they are trying to get in touch with me I owe them money? So XXXX different people who are not on my account were given my account information without my consent, This is a violation of my privacy

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 2025-05-25 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:
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 15USC 1681. 

Account name : XXXX XXXX 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following item of information : Any other adverse item information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681 s-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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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:
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 15USC 1681. 

Account name : XXXX XXXX 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following item of information : Any other adverse item information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681 s-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.

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 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: AE

Complaint narrative:
I am an XXXX XXXX service member and a Louisiana XXXX I entered XXXX XXXX on XX/XX/year>, and the account in question has been active throughout my military service. Under Louisiana Revised Statute RS 29:312, creditors are prohibited from charging more than 6 % interest per year on any obligation or liability incurred by a service member or their spouse during a period of XXXX XXXX. This applies to all debts, regardless of when they were incurred, and does not require that the obligation predate military service. The statute explicitly states in Paragraph D that the creditor shall not charge, collect, or receive more than 6 % interest during the period of XXXX XXXX. This requirement is automatic upon documentation and not subject to discretionary approval. I am submitting this complaint because the creditor has continued to charge interest in excess of 6 %, in violation of RS 29:312. While I have not previously submitted documentation directly to the creditor, the Louisiana law places the burden on the creditor to comply once military status is established. I am requesting a full review of my account and a refund of all interest and fees charged in excess of 6 % during the duration of my XXXX XXXX service. I have attached my DD Form 4 ( enlistment contract ) and XXXX XXXX orders to verify eligibility. Reference : Louisiana Revised Statute RS 29:312 Link : XXXX XXXX XXXX XXXXXXXX I have uploaded two documents. " XXXX XXXX Document '' shows that I enlisted as a XXXX of Louisiana XXXX XX/XX/year>. " XXXX XXXX XXXX '' shows that I am still in XXXX XXXX service, stationed in XXXX These orders will also have my spouse on page two, who also falls under RS 29:312 ( D ) : No creditor shall charge, collect, or receive interest in excess of six percent per annum from a person on XXXX XXXX with the United States XXXX XXXX or the spouse of that person, during the period of XXXX XXXX service.

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 2025-05-25 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:
RE : DEMAND FOR IMMEDIATE REMOVAL OF UNVERIFIABLE ACCOUNT MID FL FINANCE To Whom It May Concern : This letter serves as a formal dispute and final demand for the removal of an unverifiable and inaccurate account currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify the accuracy and validity of all information you report. If you can not provide written proof of the source and accuracy of this account, you are legally obligated to delete it immediately. 

The account in questionXXXX XXXX XXXX XXXXXXXX, does not belong to me or is otherwise completely unverifiable. You have 30 days from receipt of this letter to investigate and confirm the legitimacy of this item. If you can not produce physical documentation showing that I am legally responsible for this account, then its presence on my report is a violation of my rights. 

Be aware : failure to comply with this demand will leave me no choice but to take legal action against your agency for willful noncompliance with the FCRA under 15 U.S. Code 1681n and 1681o. I will not hesitate to seek statutory damages, punitive damages, court costs, and attorneys fees. 

I am not asking. I am demanding that this unverifiable and unauthorized account be deleted immediately. This is your final opportunity to resolve this matter without escalation. 

You are to send written confirmation of deletion within 15 days of completing your 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 2025-05-25 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: Mortgage Research Center, LLC
State: PA

Complaint narrative:
In XXXXXXXX XXXX XXXX  I was talking to XXXX XXXX from Paddio to get pre-qualified for a home loan. I explicitly asked to only run a soft inquiry on my credit and I was assured that only a soft pull would take place. Instead, I got an alert from XXXX XXXX stating that the pull was a hard inquiry, and I immediately disputed the inquiry and expressed my displeasure with Paddio. The text interaction between me and XXXX XXXX took place on XX/XX/year>, and it is as follows : I texted him hi i got a hard inquiry report on my credit score, did you do a hard inquiryXXXX XXXX  responded, Yes, to lock in your credit scores & to run your pre-approval. But it has minimal to no affect on your credit ( my name ) since your scores are so good!! I replied, If im being honest I dont like that you ran a hard credit check without talking to me first. I asked to only run a soft one. XXXX then said, Im sorry ( my name ), I left a voicemail for you yesterday trying to speak with you on the phone about your approval. I wanted to discuss the down payment assistance & in order to lock in your approval I needed the hard pull for Down Payment Assistance. I followed up by saying, I understand but I wasn't sure if I wanted to lock in the approval at this moment. I was still looking into different options. I appreciate all the help but at this time I'm going to go in a different direction because I didnt want anything to happen without my consent. Thank you. XXXX replied, Wish you luck. : ) and followed up by quoting me from earlier in our conversion, Yes I definitely need down payment assistance and you guys offer that right? I then clarified by replying Yes I was asking a question about the down payment assistance and seeing if you guys offer it. I didnt say to put a hard inquiry in. and that was the last of the conversation. The dispute did not do anything, as they found that Paddio did not do anything wrong. I do not understand how this hard inquiry was warranted seeing as I explicitly stated to ONLY pull a soft check. I was told by another mortgage company to report this because they informed me that it is illegal. Please help me with this issue because Paddio can not keep doing this to people.

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 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: IL

Complaint narrative:
Ive had a CASH APP account for a few years and my account had money missing from it numerous amounts of times and every time I submitted for an refund they ultimately told me I was eligible for one. Unknown vendors charging for services I didnt receive. They also had my account on hold multiple times when I was receiving direct deposits through them and I was late multiple times for bills and household necessities because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am formally disputing a collection account reported by XXXX XXXX and documenting my repeated, unsuccessful efforts to obtain verification of the alleged debt, which violates federal consumer protection laws. 

On XX/XX/year>, XXXX charged off account number XXXX with an original balance of {$2600.00}, now reported as {$3000.00} after a collection fee. Since discovering this account on my credit report, I have made multiple attemptsby phone with XXXX XXXX XXXX ( XXXX ) and in person at the corporate store at XXXX XXXX XXXX XXXX, XXXX, XXXX obtain : A copy of the final bill A detailed breakdown of charges Verification that the account belongs to me To date, no documentation or validation has been furnished, and XXXX has confirmed they are unable to access or provide any records related to this account. 

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), a furnisher of information must ensure the accuracy and integrity of the information they report. Under 15 U.S.C. 1681i, if disputed information can not be verified, it must be deleted from the consumers credit file. Furthermore, if this debt has been assigned to a collector, the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) requires that all collection activity cease until the debt is validated. 

I am respectfully requesting that this account be immediately removed from all credit reporting agencies unless XXXX or its agents can produce written verification of the debt and my legal obligation to pay it. Failing to do so would constitute a continued violation of federal law. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief