vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$3200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$240.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$5100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$850.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXX NOT PROVIDED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX TransUnion , XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion , XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX TransUnion NAMES XXXX XXXX XXXX XXXX XXXXXXXX, XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a claim in the Equifax Data Breach Settlement and received a settlement payment by electronic pre-paid card in the amount of {$7.00}. The card does not function. I can not use the card to make purchases. The email I received instructs me to go to XXXX to check balance and verify the card. This web site does not work. It is not temporarily out of service, it is simply badly broken and prevents me from using it to service my prepaid card. For example, one form on the site comes with the instructions, " To activate your card or view card details, please enter the card number, expiration date and security code. ", but upon entering my card number I receive an error stating that the card has already been activated. This makes no sense, considering that the instructions claimed I would be able to " view card details ''. In addition, I created an account here, but was unable to link my card to the account. There is no way to spend or monitor this prepaid card. Equifax has been allowed to rob the American people without making any kind of recompense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Hello, my data was breached in 2020 ; I am working hard on my credit. The issue I have is the incorrect info Experian lists on my credit report and the inability to speak to an agent. I have not spoke to a vender for about a year. They seem to write info about one with no regard. This is my credit, my livelihood, yet I have no control of what my credit states and how it is listed. Can I please get a message to someone at Experian ; i may have to retain an attorney. But I should t have to. ; XXXX  ). I am so disappointed. I always thought creditors were helpers although it seems like they are paper pushers. Ugh. Thank 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I had an account with XXXX XXXX  for a car loan in XXXX  the loan is now closed they are not receiving any payments for me nor am I required or in a contract to make any payments any longer the account is closed and is no longer open I request that it be removed from my credit as I do not owe XXXX XXXX or the amount stated. I do not have any active accounts with 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 2025-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: WV

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding the handling of my student loan account. I was not provided with any notificationby phone, or physical mailthat my student loan payments were due. As a result, I was unaware that my loans had entered repayment status.

To my shock, I recently discovered that the loan was reported as delinquent to the credit bureaus, which has had a significant and negative impact on my credit score. This reporting occurred without any prior warning or attempt at contact from the loan servicer, which I believe is both unfair and irresponsible. I received the notification from XXXX XXXX actually is how I found out. When trying to reach out the wait time for MOHELA is over an hour on every occasion that I attempted to reach a representative. 



I understand that I am responsible for repayment of my student loans, but I also expect my loan servicer to communicate clearly and proactively, particularly regarding changes in loan status or impending delinquency. I was not given a fair opportunity to address or resolve this matter before it was escalated to the credit reporting stage. I paid XXXX XXXX dollars the day I realized that my credit had dropped from an XXXX to now a XXXX. 



I am requesting : -A full investigation into the lack of communication regarding my repayment status. 
A review of any notices that were allegedly sent, including dates, formats ( mail ), and addresses used. 

-Removal or correction of any negative credit reporting that occurred without reasonable notification. 

-Written confirmation of the steps being taken to address this issue. 




Please treat this matter with urgency. I am happy to provide any additional information or documentation needed. Also have no issues providing anyone with a direct copy of my credit report to show that I do not take financial decisions lightly as I have worked very hard to make sure that my character shows through my credit repayment history. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: TX

Complaint narrative:
I paid off a loan that XXXX ( XXXX  ) turned over to Systems and Services Technologies/Alorica . I refinanced my loan paying SST/Alorica off XXXX XXXX. 
I have called 3 separate times spoke with 3 separate employees was told I should be receiving my overpayment of {$130.00}. I have been refused any of this information by text, email, or US Postal Service. I was told the only way to receive information on my refund is to call. I can provide documentation if required such as screenshot of payoff refund amount, telephone records ( spoke with XXXX XX/XX/year>, XXXX XX/XX/year>, and XXXX XX/XX/year> he told me a Refund Check was mailed on XXXX XXXX ). 
I have checked my US Postal mail daily since my initial call to SST/Alorica.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : UNKNOWN # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX C XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEMS LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear JEFFERSON CAPITAL SYSTEMS LLC , I am writing in response to your letter, regarding a debt you allege I owe. This letter is not a refusal to pay but a request for validation of the debt, as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Sec. 809 ( b ).

Please provide the following : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A detailed statement explaining the basis for the debt ; 4. A copy of any judgment ( if applicable ) ; 5. Proof that you are legally authorized to collect debts in my state ; 6. The original creditors name and account number ; 7. Documentation bearing my signature that verifies this debt.

Please cease all collection activities until you have provided the requested validation.

If you fail to provide this documentation, or continue collection efforts without validating the debt, you will be in violation of the FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
on XX/XX/XXXX i placed a lock on my chase XXXXXXXX credit card, from XX/XX/XXXX until today XX/XX/XXXX i was able to make new purchases that where not recurring subscriptions for XXXX XXXX XXXX, this should be a clear violation of the agreements I had with this bank although I dont believe any fraud was commited on my account this is a massive breach in the protections of freezing a card to prevent further fraud when it does occur. The bank in question was negligent in thier efforts to protect my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
This inaccurate and unverifiable reporting is causing serious harm to my credit profile and personal finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX {$4800.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX {$140.00} Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX, XXXX XXXX XXXX Account number XXXX {$8500.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account number XXXX {$140.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX {$770.00} Date opened XX/XX/XXXX XXXX XXXX Account number XXXX {$140.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX {$440.00} Date opened XX/XX/XXXX XXXX, XXXX XXXX XXXX Account number XXXX {$8500.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX {$770.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX {$570.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX {$4800.00} Date opened XXXX XXXX, XXXX Or XX/XX/XXXX Equifax XXXX XXXX Account number XXXX {$140.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX {$8400.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX {$770.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year>, I visited the XXXX  store in XXXX, XXXX  to renew my title loan under terms previously discussed with the store manager, XXXX, the evening before. She confirmed that I could use the same in-store refinance structure I had used before. However, when I arrived, I was told that option was no longer available and was forced into a renewal requiring full repayment of the entire loan every 30 days. 

I was not provided any explanation of this change, nor was I allowed to review the contract. I signed once on a digital signature pad, and the employee clicked through all remaining XXXX fields without my review or consent. When I asked if I could view the agreement online, I was told yes. As of todays date, no XX/XX/year> agreement is accessible in my XXXX  account. 

I made a payment under protest to avoid repossession, but I am disputing the validity of the XX/XX/XXXX contract under both state and federal law. I have sent a formal dispute and demand for rescission to XXXX  and plan to pursue legal resolution through XXXX  small claims court if they do not respond in good faith. 

For awareness, loan number not accessible due to XXXX failure to provide contract documentation. 

I am requesting CFPB assistance to investigate this matter and ensure XXXX  complies with federal consumer lending and electronic signature laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I applied for and received an American Express Business XXXX XXXX credit card a few months ago. I've used the card for numerous purchases since then. I have not, however, received any XXXX XXXX. I am eligible for the sign on bonus too because I hit the minimum spend amount in the allotted time. I have not received those miles in my XXXX account. I have contacted American Express two times and they say they are sending the miles to XXXX. I contacted XXXX and they said they have not received any miles from American Express. Both companies are telling me to contact the other company for a resolution. 

Also, American Express gives you the option to schedule automatic payments and gives you the option to pick how many days after receiving your statement to make a payment. I chose the latest date provided to pay the statement balance with the intent to avoid any interest charges. Despite choosing one of the given options, I was still charged interest. I think this is predatory. Why would they offer an option that would make your payment late?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Request for Immediate Removal of Internal Block!!! To Whom It May Concern, I am writing to formally request the removal of an internal block currently placed on my Equifax credit file. This issue has become a significant inconvenience, and despite multiple efforts to resolve it, I am still unable to access my credit report through any consumer platforms or have it retrieved by lenders or creditors. I recently spoke with an Equifax representative who instructed me to submit additional documentation to verify my identity and support this request. Enclosed, you will find copies of both my Social Security card and U.S. Passport, as directed. I kindly ask that you review these records to expedite the removal process. This ongoing block has prevented me from managing critical financial matters, including applying for credit, reviewing my own report, and taking important steps in my financial planning. Ive made multiple attempts to correct this issue through both online and phone channels, and I now urge Equifax to take swift action to lift this restriction. Please treat this matter as time-sensitive and confirm in writing once the block has been successfully removed and full access to my credit report has been restored. I appreciate your time and assistance in resolving this issue and look forward to a prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account global lending service, has violated my rights, reporting 3 late payment, For XXXX, XXXX and XXXX on my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account global lending service, has violated my rights, reporting 3 late payment, For XXXX, XXXX and XXXX on my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
SEE PHOTOS ATTACHED EQUIFAX IS STILL NOT REPORTING MY CREDIT CARD ENDING IN XXXX - I HAVE ALL RECORDED PHONE CALLS BLAMING XXXXXXXX XXXX. ALSO XXXX confirms Equifax received all requested info multiple times. 

Equifax sends the below every 30 days : " Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings. '' My credit continues being falsified year after year, since all the other credit bureaus XXXX XXXX, and XXXX are reporting and only Equifax is not. Equifax 's responsibility is to report my credit accurately and CFPB 's is to address complaints positively or negatively. AGAIN : Equifax is falsifying my information online and not responding to my complaint ; CFPB is publishing it is. AGAIN : ALSO EQUIFAX IS REPEATEDLY SENDING LETTERS ABOUT THE WRONG CARD SAYING I HAVE DISPUTED MULTIPLE TIMES - SEE PHOTOS THIS IS THE WRONG CARD Equifax has faced multiple lawsuits and settlements related to their 2017 data breach and subsequent errors in credit reports. The 2017 breach exposed the data of approximately XXXX XXXX consumers. There have also been lawsuits and fines related to Equifax 's handling of consumer disputes and inaccurate credit reporting. Here 's a more detailed breakdown : 2017 Data Breach : Equifax settled a class action lawsuit related to the 2017 data breach for {$700.00} XXXX. Improper Investigations : The Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly investigate consumer disputes and address inaccuracies in credit reports. Inaccurate Credit Scores : New York Attorney General ( .gov ) secured a settlement with Equifax for {$720000.00} due to inaccurate credit scores reported to lenders, impacting consumers ' loan costs.

Company response to consumer: Closed with explanation