vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Personal Cash Loans of SC, Inc.
State: SC

Complaint narrative:
As of XXXX of this year, XXXX, I had to resign to be a full time giver for mom, whose health has been challenging from XXXX. 
The store manager, XXXX, @ XXXX on XXXX XXXX XXXX XXXX, SC was informed of what has been going on as it pertained to my former place of employment. 
I did make XXXX ( one ) payment a few months ago Since then, I have been receiving harassing calls XXXX times a day. 
I did mention to XXXX at XXXX point that as soon as I get some funds, I would make a payment. That apparently did not work. Then my references were being harassed by calling XXXX to XXXX times a day, as well, to the point where my reference informed me to let the office know to no longer call their phones because they were going to file complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I applied for XXXX XXXX  loans on the same day for the same amount of {$2500.00} each in XX/XX/year>. I was told that my loans could be paid off over time and I had 6 months to pay it off without any issues and the current interest rate, I was never told what that rate would be because it was based off what I was approved for and since I needed {$6000.00} I was approved for 2 loans totally that amount but the interest rate was never discussed. However based on my credit I was charged the highest interest rate of 36 % when I was told most people its around 28 %. 

I was my monthly payments would start in XX/XX/XXXX I think but I called them and requested to see if I could changed the billing dates and was told yes and the could change it to what I wanted, that was a lie, how I found out it was a lie was when I went to make the payment and was told I had started the loan all over and had to pay another interest amount on the loan. so instead of paying 5 interest payment I would now be required to pay 6 interest payments because it wasn't the same loan it was now a different loan because I changed the billing date so the first loan was null and void and another loan was started to suit my pay date needs. I was livid!!! 
Fast forward to after the second payment I find out that if I only make payments on the interest and not make the full payment of the loan of {$2500.00} before 5 months are up then the loan will start over again and I will have another 5 months to pay the loan off if I only pay the interest. So the loans will keep renewing every 5 months if the principle isn't paid off by the 5th month. All I could say was OMG what have I gotten myself into.

So I quickly made sacrifices to pay off the {$5100.00} which was the principle of the 2 loans plus the interest and the lender fees which I was never told about until I asked about paying off the loan. By the time titlemax was done with me I had paid these thieves over {$8900.00} over 4 months for 2 loans of {$2500.00} each.

This company made me feel like a class clown with all the pay on words and leaving out information and how everything was a different story when I went to pay off the loans. not to mention fees coming out of the wood work. 
They called me to drum up business after I paid off the loan to see if I wanted to get another loan I told them to take me off of their list because I will never do business with them EVER again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One Quick Silver ending in XXXX offered me a balance transfer which I accepted on XX/XX/year> for {$8000.00}. I balance transferred my XXXX XXXX card ending in XXXX of {$8000.00} to my Capital One account. 

On XX/XX/year> Capital One posted the {$8000.00} plus the {$320.00} balance transfer fee, however failed to pay off my XXXX card balance of {$8000.00}. As of today XX/XX/year> both of my accounts reflect the same {$8000.00} amount which adds up to {$16000.00} and is unfair and deceptive. There is only one {$8000.00} balance that should be reflected not two. 

I called XXXX and they said Capital One is responsible for sending the payment electronically and there was nothing they could do. I called Capital One and spoke to a front line customer service agent who told me Capital One takes 15 business days for balance transfers to be completed but that they post the amount of the balance transfer in 3-4 days. I was transferred to a Sr account agent name XXXX ID XXXX and they talked down to me and refused to help. They said there was no one else I could be transferred to and were rude and condescending towards me then they ended the call with no resolution.

Why is Capital One posting the amount of the balance transfer prior to the 15days to allow their payment to post at the other bank?

This negatively impacts my credit score, specifically my debt to income ratio which is 70 % of my credit score! I have two {$8000.00} balances now with two different Credit Card companies but its the same {$8000.00}! It looks like I have {$16000.00}!!!

If it states in the disclaimer that it can take upto 15 business days for the balance transfer to be completed then Capital One should wait until the 15th business day to post the transferred balance amount so that they dont negatively impact their customers. Its deceptive.

What if Capital One sends the payment in error and it never gets processed and the whole time they have already posted the amount of the transferred balance on the Capital One account? This would be terrible and completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
So recently, I had a dispute with XXXX, which they approved my dispute of my behalf. Theres three more not approved yet which is confusing and frustrating when these other transaction shouldve been approved as well because it was included with the dispute, but only two of my transactions were proved dispute. Remaining once are still under review which I provided documentation and evidence that I do not receive these products from this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MA

Complaint narrative:
I am disputing a charge-off account being reported by XXXX XXXX  XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a balance of {$2100.00}. I do not recall ever applying for or using a credit card with XXXX XXXX  tied to this account. I have not received any signed contract, billing statements, or written notification of delinquency or charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), XXXX XXXX  is required to ensure all information it furnishes to the credit reporting agencies is complete and accurate, to the maximum possible accuracy. The absence of documentation and lack of transparency makes this account both unverified and potentially inaccurate.

Additionally, under FCRA 1681s-2 ( b ), Comenity has a duty to conduct a reasonable investigation upon receiving a consumer dispute. I have received no meaningful response, validation, or clarification to date. This also violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits knowingly reporting inaccurate or unverifiable information.

Per FDCPA 809 ( a ), I am entitled to debt validation, which includes : A copy of the original signed agreement or application, A complete billing history, and Documentation proving this debt belongs to me and that I was properly notified.

Comenity has not provided any of the above. They continue to report a charge-off status with a balance that I can not verify. I believe this is a material misrepresentation and a violation of both the FDCPA and FCRA.

Supporting case law includes : Chaudhry v. Gallerizzo, 174 F.3d 394 ( 4th Cir. 1999 ) Courts require more than internal notes for verification.

Cushman v. TransUnion, 115 F.3d 220 ( 3rd Cir. 1997 ) Furnishers must conduct meaningful, independent investigations.

Dennis v. BEH-1, 520 F.3d 1066 ( 9th Cir. 2008 ) Failure to correct inaccurate information is a violation.

This unvalidated tradeline is negatively impacting my credit profile, access to financing, and quality of life. I request immediate regulatory 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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian

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 2025-06-18 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: CA

Complaint narrative:
This credit inquiry appears on my file without my knowledge or consent. I did not initiate any transaction requiring this inquiry. Please remove this unauthorized entry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: AR

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national databreach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 
Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have identified an unauthorized hard inquiry on my credit report. I never gave permission for this access, and no legitimate credit application supports this action. I request immediate removal.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, am filing this formal complaint against Equifax for inaccurately and unlawfully reporting a late payment on my credit report related to the following account : Account Name : XXXX XXXX XXXX Account Number ( Partial ) : XXXX Basis of Complaint : Equifax is reporting a late payment dated XX/XX/year> on the above-referenced account. I assert that this late payment is inaccurate, and Equifax failed to provide proper disclosures as required by federal law prior to reporting this derogatory information on my consumer credit file. 

As a consumer, I am entitled to proper notification, verification, and an opportunity to dispute any negative reporting before such data is furnished to consumer reporting agencies. Equifax failed to uphold this duty.

Violations Cited : Equifaxs actions constitute violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S. Code 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S. Code 1681i Failure to properly investigate disputed information 15 U.S. Code 1666b Failure to properly apply timing of payments and provide due disclosures before reporting late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Apartment money owed case was taken to court in 2007 and it was sealed. Statute of limitation for this case in California has expired and all the reporting credit agencies have deleted it except Transunion. Transunion is reporting it as collection XXXX  # XXXX XXXX  amount 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 2025-06-18 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$21000.00}

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 2025-06-18 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$21000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
My account reflects a late payment that was not actually late. I request this item be investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-18 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence. Engelhardt. v Gravens ( mo ) 281 SW715.719 I presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exsits. ( please remove these accounts before I seek litigation for defamation of character ). XXXX  XXXX balance {$10000.00}, XXXX  XXXX balance {$2000.00}, XXXX  XXXX balance {$2200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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 have not supplied proof under the doctrine of estoppel by the silence. Engelhardt. v Gravens ( mo ) 281 SW715.719 I presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exsits. ( please remove these accounts before I seek litigation for defamation of character ). XXXX  XXXX balance {$10000.00}, XXXX  XXXX balance {$2000.00}, XXXX  XXXX balance {$2200.00}.

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 2025-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/year> Branch Manager XXXX XXXX confiscated drivers license & social security cards and refused service. Was very hostile in the lobby of bank. 

XXXX XXXX XXXX XXXX XXXX, CO 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I asked Experian for their method of investigation. I was notified that XXXX XXXX XXXX  XXXX deleted the account themselves. I asked if there was a reason why. They told me to contact the furnisher. I have numerous letters from XXXX XXXX XXXX  XXXX saying that they were working on the disputes but never got a response from them about any investigation being done nor any results. And Experian was told prior to the deletion several times that I was unhappy with their investigation-less investigation into a XXXX of justice done by XXXX XXXX XXXX  XXXX. I deem all parties listed as criminals. An enterprise that work together to abuse consumers rights while taking salary from these Banks to turn a XXXX eye on criminal activity. Im disgusted.

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