vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Rosebud Economic Development Corporation
State: OH

Complaint narrative:
On XX/XX/year>, I borrowed an amount of {$870.00} from Three Sticks Lending. An amount of {$230.00} was automatically withdrawn from my account as agreed on XX/XX/year> and on XX/XX/year>. On XX/XX/year>, I called the location that morning at XXXX XXXX  to find out what the balance to pay it off was at that time. The agent told me that is was {$860.00} and some change. So, at that time, from a starting amount of {$870.00} and two automatic payments totaling {$460.00} only approximately {$7.00} was taken off the entire balance. The rest of it was a predatory amount of interest of {$460.00} accrued from of 36 days from the beginning of the loan. 
I called back later that day at XXXXXXXX XXXX  and I just wanted to pay off the entire balance to get out of this terrible loan. The agent told me that on XX/XX/year>XXXX  another payment of {$230.00} would be automatically withdrawn. I asked her if she could add the rest of the balance to pay it off that day instead. She told me that I could set up a payment for the rest of the balance on XX/XX/year>, but it would be something like {$770.00} or $ XXXX-I was honestly so flabbergasted at the moment that I couldn't remember what it was. I told her that I just wanted to pay off what they had told me earlier that day, but she said that wouldn't be able to to do. So, if I had agreed to that, approximately {$1000.00} would have been paid from XX/XX/XXXX to XX/XX/XXXX. That means that for a loan life of about XXXX days, they would have collected something like $ XXXX in interested. 
Today, XX/XX/year>, I sent them a cashier 's check in the amount of {$170.00} via certified letter, telling them that I would no longer make payments or grant access to my bank account. The total of the three payments of {$230.00} and the {$170.00} cashier 's check equals a total of {$870.00} paid. So the loan is paid off. I will not pay an exorbitant 800 % ish interest. I want it known that I am done paying the loan and for them to not be able to do this to others.

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 2025-07-03 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: OH

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
I am writing to dispute a collection account that appears on my credit report with an incorrect balance and potentially outdated information. The amount listed does not reflect any agreement Ive made, and I was never presented with a statement showing how this balance was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-03 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: OR

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Movement Mortgage LLC
State: SC

Complaint narrative:
I have been having difficulties with Movement Mortgage for the past year. Even though my agreed upon payment of {$1700.00} which was on time every month they continue to report to the credit bureaus that I am late when I haven't been. They have price gouged on homeowners ' insurance. XXXX XXXXXXXX plus a year is ridiculous. They claimed my mortgage payment was {$1900.00} which I never agreed upon, nor did I receive notice of said amount. Instead, they lied to SC consumer protection that I rejected said amount yet I have not seen any paperwork with my signature agreeing or disagreeing. A new analysis was completed in XX/XX/year> and I found out in XX/XX/year> that there was an overage of {$1300.00}, again I didn't know about this until I called XXXX on XXXX XXXX and was informed of said amount by XXXX. She told me that those payments started XX/XX/year>. XXXX also informed me that starting XX/XX/year> my mortgage payments were changed to {$1700.00}, XXXX looked into the matter when I told her I never received a check from XXXX She stated the check was never sent out. She transferred me customer service so I could get more answers. I spoke with XXXX about my escrow account. She told me the money was put back in the escrow account because I have a balance. My question to her was why not subtract the amount I owe and send me the balance? Which to me would make sense instead of me paying my balance only for it basically to be sent back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: LA

Complaint narrative:
I noticed an account appear on my consumer report for a cell phone service. I never opened an account with XXXX I am a victim of identity theft and need this account deleted and blocked from my report.

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 2025-07-03 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, American Credit Acceptance, XXXX XXXX, XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 15 USC 1681 Section 604 A Section 2 15 USC 1666 B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AL

Complaint narrative:
I am writing in reference to fraudulent accounts on my credit report resulting from a data breach that compromised my personal information. I was recently notified of a data breach involving XXXX XXXX and XXXX XXXX XXXX XXXX, which occurred on or around XX/XX/XXXX and XX/XX/XXXX. As a result, unauthorized accounts have appeared on my credit report, and I requested their immediate investigation and removal. 
I have taken the following steps to address the identity theft : FTC REFERENCE NUMBER XXXX Reported the fraud to the Federal Trade Commission and obtained an Identity Theft Affidavit ( available at www.identitytheft.gov ). 
Placed a fraud alert on my credit file with all three major credit bureaus. 
Enclosed, please find copies of the following supporting documents : A copy of my government-issued identification. 
Proof of address ( e.g., utility bill or bank statement ). 
FTC Identity Theft Affidavit reference number Data breach notification letter from the company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I am disputing multiple inaccurate and unauthorized accounts appearing on my credit reports, including from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These tradelines contain conflicting or unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ) 1681c-2, 1681i, and 1681e ( b ). XXXX XXXX XXXX XXXX XXXXXXXX are reporting the same debt in different forms, causing duplicative damage to my Equifax report. Ive submitted an FTC Identity Theft Report and supporting evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I received 9 unsolicited and unauthorized phone calls from XXXX XXXX after I had already revoked consent. I verbally revoked consent on XX/XX/year>, during a phone call with a representative from the company. 

Despite that revocation, the company continued calling me during working hours ( typically between XXXXXXXX XXXX  and XXXXXXXX XXXX ), which caused repeated disruption to my job and personal stress. I documented the calls and provided the company with a clear written demand, along with a screenshot of my call log. 

This behavior constitutes willful and knowing violations of the Telephone Consumer Protection Act ( TCPA ), which prohibits calling a consumer after consent has been revoked. I requested a resolution and submitted a settlement offer, but have not received confirmation of receipt.

I am filing this complaint to formally document these violations and to request regulatory review and intervention.

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 2025-07-03 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: Van Horn Automotive Group, Inc.
State: WI

Complaint narrative:
i never took out this loan and the company says no account with my social is with them, but they still report to my XXXX  credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Every month they are charging fee 's whether you use card are not, ask to remove interest charges to high are reduce they won't and XXXX fee every month is ludicrous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 Address : XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX INQUIRIES : XXXX XXXX Date : 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 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: OR

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi Bank XXXX XXXX XXXX had an offer under XXXX fool .When I opened the account the offer was a XXXX interest for the introductory XXXX XXXXI received it used it in XXXX misplaced it Called and put a hold on it never got the first statement Called and got a replacement card and the first bill I received Charged me XXXX percent interest.I called them and was told They never gave me a XXXX interest offer.This offer is still available.I want citi bank to give the XXXX percent interest rate I signed up for and was told it was approved.Clear bait and switch ripping me off could have got a card anywhere.These bums I'm sure this is illegal.if not it should be

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 2025-07-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Galaxy Capital Acquisitions, LLC
State: FL

Complaint narrative:
Good Afternoon, This complaint is the same as my previous complain for the exception this one force me to get a loan to paid it off because they threating me to garnish my account and were taking me to court case # XXXX. I spoke to their customer service informing them that this account does not show on my credit report just like my revious complain. The total amount I had to paid was {$3600.00}. The company Galaxy International Purchasinbg LLC file papers with XXXX XXXX XXXX XXXX XXXX and for XXXX XXXX XXXX. I that time I did not know of my rights and the information I know now. I need to know if it was legal for me to paid this amount when the original company already did a charge off and this company is charging me for the full amount and more. Please I need to know after I spoke to my credit report and inform me that there are no collections account in my report to put a complain with you. I was scare when they told they were going to garnish my account. Please I need your assistant one more time with this case.I want to know if they have the right to try to garnish my account and I was force to paid it in full or they were going to force me to pay more money. Been a single parent is not easy specially my credit report is clean with no collection debts. Because of all the information I'm providing for you, I believe I should get my refunds back because this case is the same as my previous claims. Again thank you for all your help and helping individual in my situation.

Company response to consumer: Closed with explanation