vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation
State: CA

Complaint narrative:
XXXXThere is a man named XXXX XXXX pretending to be an agent and underwriter for World Finance. He gets your loan information solicits a loan sends an offer has you sign a contract and states tell 1st deposit us insurance for you to return to the company. He then asks you to buy an XXXX XXXX XXXX  and send the $XXXX  he deposits into your account to him. Then he states the 2nd deposit will be your loan. Then he disappears.\nI think he is stealing others XXXX  or frequent flier points and cashing them into strangers accounts that are looking for loans. Basically XXXX XXXX  is spamming and miney laundering while possibly selling people's credit and identity on the black market.\nIwill be contacting authorities so this doesn't happen to another innocent person looking for financial assistance.\n\nContact information for the scammer XXXX XXXX using your head letter information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis is the contract for $XXXX  loan and the request of payment:"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to [ XXXX ] regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, [ XXXX ] continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: PA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: FL

Complaint narrative:
I am submitting a formal complaint regarding multiple accounts reported on my credit reports by Experian, Equifax, and TransUnion. These accounts contain inaccurate, unverifiable, and misleading information in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 credit reporting standards.

Despite multiple disputes, the creditors have failed to provide proper validation, and the information remains incorrect. Many accounts report both a charged-off balance and a past-due amount simultaneously, which violates Metro 2 guidelines. Additionally, late payments continue to be reported after the charge-off dates, causing further harm. 

The accounts in question are : XXXX XXXX XXXX Account Number : XXXX Status : Charged off. {$4800.00} written off. {$4900.00} past due as of XX/XX/year>. 

XXXX XXXX XXXX ( XXXX XXXX ) Account Number : XXXX Status : Charged off. {$25000.00} written off. {$33000.00} past due as of XX/XX/year>. 

XXXX XXXX XXXX ( Second Account ) Account Number : XXXX Status : Charged off. {$3900.00} written off. {$5100.00} past due as of XX/XX/year>. 

XXXX XXXX. 
Account XXXX : XXXX XXXX : Charged off. {$620.00} written off. {$620.00} past due as of XX/XX/year>. 

I request the following : Full validation of these debts, including the original signed contracts, detailed breakdowns of balances, payment histories, and proof of ownership or assignment. 

Confirmation whether any of these debts were reported to the IRS as forgiven debts via Form 1099-C, since a charge-off typically indicates debt cancellation.

Correction of any Metro 2 reporting errors, such as past-due balances or late payments reported after the charge-off date. 

If full validation can not be provided or the information is not corrected, I demand immediate removal of these accounts from my credit reports. Failure to comply will result in further legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: GA

Complaint narrative:
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!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: IL

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: IL

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: IN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In XX/XX/year>, I sent a written dispute letter to Resurgent Capital Services regarding a debt they are attempting to collect. I clearly stated that I did not recognize the account and requested debt validation, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). They received the letter but have failed to respond with any validation. Despite this, I continue to receive text messages from them attempting to collect the disputed debt, including payment offers and account status alerts.

This is a clear violation of FDCPA 15 U.S.C. 1692g ( b ), which requires debt collectors to cease collection efforts until they provide proper validation of the debt. Resurgent has continued contacting me, ignoring my dispute and failing to validate the alleged debt.

I am requesting that the CFPB investigate this matter, ensure Resurgent ceases collection activity, and that the account in question is not reported or is removed from my credit file until properly validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: Atlanticus Services Corporation
State: SC

Complaint narrative:
I disputed an account from XXXX  ( opened XX/XX/XXXX ) that had inaccurate late payment reporting. The original balance was {$1700.00}, and the account is now listed as Paid and Closed as of XX/XX/XXXX. Despite that, it still shows 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, which is negatively affecting my credit. 
I submitted a formal dispute through the credit bureau with supporting documents including proof of payment, my ID, and an explanation of the financial hardship I was experiencing due to a house fire and the loss of a parent. Even with all that evidence, the investigation result came back as verified, and no changes were made to the negative history. 
I also took screenshots before and after the dispute, which clearly show no updates were made. I feel this investigation was not handled fairly or thoroughly. 
Because of this inaccurate reporting, my credit score has been impacted, and Ive been denied credit opportunities. This situation has caused unnecessary stress and emotional hardship, especially after working hard to resolve the balance. Im requesting a reinvestigation and a full correction or removal of the late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Skrill USA, Inc.
State: MN

Complaint narrative:
I have actually just become so frustrated with this entire situation and am battling XXXX so have given up on all of this, I'm just venting and want to get the word out on Skrill and XXXX XXXX XXXX maybe working together to take money from XXXX customers/players. i used my Skrill account to make purchases and play at crown coin casino, of course i won {$400.00} and crown coin casino refused to pay my winnings for whatever XXXX reason they could come up with. So I brought this up with Skrill who originally said it was a good dispute but then denied it because i used the payment option " direct to merchant '' making it ineligible to dispute. i filed a complaint with Skrill, i disputed charges with crown coins who never responded to any of my communications, and skill said my complaint was looked at and taking seriously but they stood by their decision. this all happened back in XXXX, yet today, XX/XX/XXXX, i received all my transactions from that original dispute, with no explanation, just the transaction ID showed back up in my email as if they all were just done... the entire situation is just shady and i tried to reply to skills emails but am unable to even do that and was told some time ago that my account was closed due to inactivity because of curse i no longer use their card. 

Thank you for allowing me to vent, I understand if this goes no further, {$400.00} is a huge amount of money to me at this time especially but the stress of it all is too much to deal with during XXXX treatments. The gambling just gives me a way to block the loneliness out while winning gives some sick hope i guess. all and all everything sucks right now so it doesn't matter much where this goes i just don't want other people to get burned if if i can prevent it. thank you again for taking the time to read this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I recently made a complaint about this company and the way they work They submit a email. I request information about this account by email you guys trying to fix it. I dont know you guys trying to fix it, but I never got a responded all notification about this account I do get emails phone calls text messenger anytime of the day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: RI

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: AR

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: FL

Complaint narrative:
I did a credit report check and noticed I had late payments on an account and I have never been late according to the credit reporting agencies and they have taken a vital role and responsibility to submit consumer information to the maximum extent possible. This attitude I have never been late on payments on this account ( XXXX XXXX XXXX ) ( XXXX ) Please investigate and provide proof of bank statements showing these payments are late, if proof can not be provided I demand these payments be brought up to date on time as they should be because I have never been late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unisa, Inc
State: PA

Complaint narrative:
I enrolled in XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX under a Contingent Payment Plan ( CPP ). This contract explicitly states that I am only required to begin payments of $ XXXX after securing a job earning {$30000.00} or more annually. 

As of XX/XX/XXXX, I have not obtained employment meeting that requirement, and therefore do not owe any payments under the agreement at this time. Despite this, Unisa Inc. has continued attempting to collect on this debt and has recently contacted me again regarding payment. 

I have contacted the company directly to dispute the validity of this collection activity and requested a cease of all collection efforts until the terms of the CPP are met. I am filing this complaint because the debt being pursued is not currently owed based on the signed contract, and the continued collection efforts are misleading and inappropriate. 

I am requesting CFPB assistance to stop all collection activity and ensure this account is properly frozen until the legal income conditions are satisfied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: MA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent credit inquiries. Please remove these fraudulent credit inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: FL

Complaint narrative:
The furnisher is reporting late payments that are inaccurate, unverifiable, and in direct violation of Metro 2 reporting standards. The payment history reflects lates during periods where the account was either in deferment, forbearance, or marked " disputed. '' I previously filed a dispute with no valid reinvestigation or correction provided. This violates FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 1681e ( b ). As a victim of the Equifax and National Public Data Breach, I have reason to believe these reporting errors stem from unauthorized data use and mishandling of personal financial records. Im requesting full deletion of all late payment history across all credit bureaus.

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