vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: AZ

Complaint narrative:
I dispute the presence of unauthorized accounts on my credit history. Kindly perform a detailed investigation and remove them. Enclosures are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me. 
.

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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to make it clear that this complaint is not a mistake. My credit report contains significant inaccuracies that should not exist and are causing ongoing harm to me. These errors are directly and negatively impacting my financial standing and personal well-being, and I can not accept them remaining on 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 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
I have a finance account with Aqua Finance and I noticed that my principal balance is not decreasing even though I make more than the minimum payment each month since inception of the loan. 

When I look at my statement it says that : Prepayments : any amount paid in excess of the required monthly payment will reduce up to 3 months payments. If you do not want excess funds applied to future monthly payments you must call us at XXXX to request the change. 

I called on XX/XX/scrub>XXXX XXXX  and the company refuses to make the change. They are purposely dragging out my payments to benefit the company with more interest. In one month, they only paid {$15.00} of my {$120.00} payment to principal with a loan rate of 8 %. 
This is not right and I want my account corrected. My account has always been current and the explanation for NOT making the change is asinine and they are trying to treat me like I am stupid. 

One of the agents told me oh, that's an old statement template that doesn't apply and then the supervisor XXXX told me that I have to be more than 3 months paid ahead. 

I am attaching documents that show the pre-payment details and also one that shows my payment where they only applied {$15.00} to the principal even though my payment was {$120.00}, XXXX said the payment needs to be made exactly on the due date, that makes no sense, I pay early to avoid any late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
I formally challenge the inclusion of items associated with accounts not approved by me. Kindly review comprehensively and remove them. Documentation is provided.

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 2025-09-22 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: AZ

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 writinEg 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 explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
To Whom It May Concern, This correspondence is issued in response to recent communications regarding alleged debt totaling {$280.00}, which have been reported as being in collections under my name. I am formally invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to request full and complete validation of each of these alleged debts. 

Please be advised that I do not acknowledge these debts and will not remit payment or engage in any form of negotiation until the following documentation is provided for each account : A detailed breakdown of the total amount claimed, including principal, interest, fees, and any payments received. 

The full name and contact information of the original creditor, along with the original account number. 

A copy of the original contract or agreement bearing my signature, establishing legal obligation. 

Documentation demonstrating your legal authority to collect these debts, including licensing information and jurisdiction. 

A copy of any judgment obtained, if applicable, including the issuing court and case number. 

Until such documentation is furnished, you are required to cease all collection activities, including but not limited to written correspondence, telephone calls, and reporting to credit bureaus. Any attempt to collect without proper validation constitutes a violation of federal law and may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General.

This letter does not constitute a refusal to pay, but rather a lawful request for substantiation. If you fail to respond within thirty ( 30 ) days of receipt, I will consider the matter closed and any further attempts to collect will be deemed unlawful and subject to legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: 4M Collections, LLC
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : SOLVERITY - XXXXXXXX XXXX XXXX XXXX XXXX Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
I am disputing identity-theft and accuracy issues on my consumer report. I have an FTC Identity Theft Report ( Ref # XXXX, dated XX/XX/XXXX ) and will provide my police report number. I requested the credit bureaus to ( 1 ) block identity-theft items under FCRA 605B, ( 2 ) update my personal identifying information, ( 3 ) delete unauthorized inquiries lacking permissible purpose ( 604 ), and ( 4 ) provide a complete Method of Verification ( 609 & 611 ). 

Personal info update requested : Keep only my current address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Delete all outdated addresses. 
Delete all phone numbers currently listed ; remove outdated employer data tied to fraudulent items. 
Do not display full SSN/DOB on the report available to third parties. 
Metro 2 Code : 112 Personal Information Dispute. 

Tradelines in dispute & defects : XXXX XXXX ( Educational Installment ) Acct XXXX XXXX XXXX XXXX  ( opened XX/XX/XXXX, TU ) * * and # XXXXXXXX XXXX XXXX ( opened XX/XX/XXXX, TU ). Both show Payment deferred, but ( a ) they appear on TransUnion only ( missing from the other bureaus ), ( b ) balances exceed high credit ( {$9900.00} XXXX XXXXXXXX {$9900.00} ; {$9500.00} XXXX XXXX {$9500.00} ), and ( c ) payment strings are incomplete. These are hallmark accuracy issues and potential ID-theft items. 
XXXX Card ( Credit Card ) TU # XXXX ; EXP XXXX XXXX XXXX XXXX XXXX XXXX Cross-bureau conflicts exist in open dates ( XX/XX/XXXX TU XXXX XXXXXX/XX/XXXX EXP ) and last active ( XX/XX/XXXX TU XXXX XXXXXX/XX/XXXX EXP ). XXXX also lists closed due to inactivity while both report charge-off and full past due = {$10000.00}. Payment-history strings are inconsistent or missing across bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX only. Balance {$2200.00} with limit {$2000.00} ( over-limit not coded ), dispute resolved comment conflicts with continuing charge-off and a jump from multiple OK codes to CO. 

Unauthorized inquiries ( no permissible purpose, not authorized ) : XXXX XXXX XXXX ( Experian ) XX/XX/XXXX XXXX XXXX XXXX ( TransUnion ) XX/XX/XXXXXXXX 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 2025-09-22 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: AZ

Complaint narrative:
This listing does not accurately reflect my history of timely payments and seems incorrect. Please conduct a review and eliminate it.

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 2025-09-22 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XXXXXXXX XXXX XXXX an account was fraudulently opened in my name with Capital One. The account shows a balance of {$170.00} that was later written off. I did not apply for, authorize, or use this account it is the result of identity theft. 

After discovering the issue, I filed an identity theft report with the FTC and disputed the account with the credit reporting agencies. Despite these actions, Capital One has continued to report the account as valid, which is negatively affecting my credit. 

I am requesting that this fraudulent account be deleted from my credit reports and that Capital One cease any collection or reporting activity related to it, as I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: MA

Complaint narrative:
I make it a point to regularly review my credit report because maintaining an accurate credit profile is extremely important to me. However, I continue to see the same inaccurate and false information reported, despite having raised this issue multiple times. This recurring problem has not been corrected, and it is both stressful and exhausting to deal with. These inaccuracies are unfairly damaging my credit score and negatively impacting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain. This failure to act is unacceptable. The continued presence of these fraudulent or unauthorized entries is highly alarming and strongly indicates possible identity theft. This unresolved matter is causing ongoing emotional distress and financial harm.

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