vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Mercury Financial Intermediate LLC
State: MN

Complaint narrative:
My Mercury credit card had no annual fee and a variable apr of XXXX %. I always pay on time and have set up to auto-pay the minimum payment due so it always is received on time. I also typically pay more than the minimum when I have the ability to. As well as paying off most of card when tax refund comes each year. They increased my credit limit from {$1000.00} to {$6000.00} over the several years I have had the card. Recently I had some unexpected expenses and reduced income resulting in my balance getting close to limit and I received a notice of change in terms to include an annual fee of {$150.00} and changing my interest rate to a fixed XXXX %! That is higher than any of the cards I have and will make paying the balance down impossible. I contacted the card issuer and was told my options are to decline the new terms and have account closed or agree and keep it open. I asked if they had any hardship options and was informed I was not eligible until I had missed payments. If I miss payments it will throw me into a penalty apr and extra fees so that would not be an advisable route either. It is my opinion that they kept increasing my credit limit due to on time payment history and the large paydowns at tax refund time and they seem to have waited for it to get a high balance where even minimum payments would be hard but not impossible then change the terms before I could do another large paydown at the upcoming tax refund time after the new year again. Being that I have had the card for several years and have maintained on time payments it seems unreasonable to make such drastic changes to my terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
This is a follow-up complaint regarding XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF - 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 non-monetary relief
Consumer complaint received 2025-10-29 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: CT

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
LVNV Funding LLC is attempting to collect an alleged debt without providing proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite my written request for validation and supporting documentation, LVNV has failed to respond appropriately and continues to engage in collection activity and credit reporting in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Acceptance Corporation
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute the validity of the debt listed on my credit report under the account name XXXX XXXX XXXX XXXX, with a reported balance of {$300.00}. 

This account, which was originally with WORLD FINANCE CORPORAT and was reported as a charge-off, has been sold or assigned to your company. I am currently reviewing my records regarding this matter. 

Before any discussion can proceed, I formally request full validation of this debt as is my right under the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with : Documentation proving I have a legal obligation to pay this debt to XXXX XXXX XXXX XXXX. 

A complete payment history, starting with the original creditor, showing how the amount was calculated. 

Verification that XXXX XXXX XXXX XXXX is legally licensed to collect debt in the state of XXXX 

Furthermore, I am willing to resolve this matter. I propose a " Pay for Delete '' agreement. If you provide the requested validation and agree to the following terms in writing, I am prepared to pay a settlement amount of {$91.00}, which represents XXXX  % of the reported balance. 

The non-negotiable terms must be : Upon receipt of my payment, XXXX XXXX XXXX XXXX will immediately request the deletion of this entire collection account from all three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX 

I will not consider any payment without a written agreement confirming these deletion terms. Please respond to this complaint with your resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I am submitting this statement regarding my experience with Ally Financial and the repossession of my vehicle. 
I clearly communicated to Ally that I was experiencing a hardship and informed them that I would be able to make a payment within the week. The representative I spoke with acknowledged this and said it was okay. However, despite that understanding, my vehicle was still repossessed. 
Following the repossession, I received inconsistent and conflicting information from Ally representatives. XXXX representative told me they did not have a number on file for me, while another later said they had the wrong number. This was incorrect because the wrong number they referenced was my current, active phone number the same one I had been using to contact Ally. 
In addition, Allys representatives or their repossession agents called my stepfather directly to locate me. This is a violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692b ), which prohibits debt collectors from contacting third parties to obtain location information or disclosing account information to anyone other than the debtor. This contact caused me embarrassment and emotional distress, and it constitutes a breach of peace under UCC 9-609 ( b ) ( 2 ) because it disturbed my privacy and family relationships.

I filed an escalation with Allys XXXX and XXXX XXXX teams, and they later told me that the case was concluded, claiming that what I described never happened and that it could not be escalated further. I disagree with that conclusion. The information I provided was factual, and Allys investigation was incomplete and dismissive of clear violations. 
I am requesting a federal and state review of this matter for potential violations of the FDCPA, UCC 9-609, and consumer protection laws. I also request that any negative credit reporting, repossession fees, or deficiency balances related to this incident be removed or corrected, and that I be provided with a written explanation of Allys findings and internal communications related to my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MI

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It may concern : I am disputing inaccurate or unverifiable information on my credit file, Please provide full documentation proving the accuracy of each account including original signed contracts, payment histories, and supporting records.

If you can not verify, the accounts must be deleted immediately under FCRA 607 ( b ) ,609, and 611. 






Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 



Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX5 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: IL

Complaint narrative:
Years ago I financed a payment plan with smile direct club and then they went bankrupt. I did not feel it was just to pay {$1600.00} for services I was not receiving and would be money down the drain for nothing. 

I put a stop to the payments and told my bank to block the transactions and I was then charged under a different company name that my bank thankfully marked as fraud. 

I tried to call Tek Collect to settle the debt and remove the collection from my report but they are unwilling to remove it unless I pay the full amount, which I will not be paying. I paid for a service that I did not receive, if I did not get the services I should not have to pay it as a consumer, otherwise that is theft on whoever is collecting the payment. 

TekCollect then told me that when XXXX filed for bankruptcy it voided their obligation to customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that Experian was sued by the CFPB? 

Below I have a few items that are inaccurate by law I am allowed to dispute anything that I feel is erroneous and not 100 % accurate. 

Experian was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers this can easily be your company. 

Please investigate these accounts and I wish the outcome to be removed from my credit file and not placed back due to inaccurate reporting. 

XXXX XXXXXXXX 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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that Experian was sued by the CFPB? 

Below I have a few items that are inaccurate by law I am allowed to dispute anything that I feel is erroneous and not 100 % accurate. 

Experian was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers this can easily be your company. 

Please investigate these accounts and I wish the outcome to be removed from my credit file and not placed back due to inaccurate reporting. 

XXXX XXXXXXXX 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 2025-10-29 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: RI

Complaint narrative:
This debt is considered a charge-off, however, this is actually considered income because I should have received a XXXX in order to account for this as income. This is not a charge-off. I'm requesting that this is removed because it is not debt. This is considered income and income should not be reported by your credit report. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a promotional balance expiring on XXXX. I made a payment on XX/XX/XXXX to pay this off. Instead you applied it to the balance that does not expire until XX/XX/XXXX. during the last two billing cycles all extra payments are supposed to be applied to the expiring promotion. When i read the law around this it says the expiring promo should be paid first regardless of the interest rates. This has caused me to have to pay interest on this and also lose the benefits of the balance i transferred that was not expiring until XX/XX/XXXX because they just paid half of it off. The law is supposed to be If a balance is subject to a deferred-interest promotion and is entering its last two billing cycles, the priority changes. Any amount you pay above the minimum must be applied to the expiring deferred-interest balance first. The logic behind this is consumer protection. Deferred-interest offers can have a significantly higher cost than standard interest if you fail to pay off the balance in time, as all the deferred interest can be charged retroactively. The law forces credit card issuers to help you avoid this costly penalty by prioritizing payments to the balance that poses the greatest financial risk. If Citibank has applied your overpayment to the 0.99 % promotional balance that expires next year instead of the deferred-interest balance expiring next month, they have violated this federal regulation. They are truly the worst about this, i transfer balances often and never have this issue with other companies. If they don't correct I will be closing all 3 Citibank cards we have and never use them again as a creditor. I don't have this problem with XXXX or 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 2025-10-29 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: TX

Complaint narrative:
These accounts are unrelated to me ; remove them within 15 days as mandated by USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: VA

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 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation