vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
Im writing to bring your immediate attention to multiple inaccurate and misleading entries currently being reported on my credit file. After reviewing my credit report, Ive found information that is either completely incorrect, outdated, or misattributed and I am demanding a full investigation and prompt correction.

Let me be clear : this isnt a vague dispute or a misunderstanding. The errors Im referring to are specific, harmful, and legally unacceptable. These inaccuracies are actively damaging my credit reputation and interfering with my ability to secure fair access to financial products something Ive worked hard to maintain and protect.

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 2025-06-26 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: GA

Complaint narrative:
Dear Sir/Madam, I looked at my credit report and noticed you have reported The following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681b ( 2 ) and the FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove these : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also keep in mind that you are required to delete this no later than 4 days after you receive this dispute from me. 

Thanks, 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 2025-06-26 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: GA

Complaint narrative:
Dear Sir/Madam, I looked at my credit report and noticed you have reported The following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681b ( 2 ) and the FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove these : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also keep in mind that you are required to delete this no later than 4 days after you receive this dispute from me. 

Thanks, 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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: NV

Complaint narrative:
I applied for a loan for a water softener system through a water softener business. They utilize aqua finance as the loan institution. Everything was done on paper, including signing up for auto pay. I was told the autopay would be a fixed amount of $ 37 monthly. All statements i received in the mail showed us in good standing. This week I received a letter stating I was overdue by {$76.00} with a {$30.00} late fee, totaling {$100.00}. I was also provided with an online website to see my account. I've had the loan for about a year and a half and never had access to an online portal. The payment had also been on auto pay, and I have watched it come out of the account monthly, on time every time. When I called to see what the issue was I was informed that my {$37.00} payment was only promotional for the first year and that the amount due was now {$56.00} per month since XXXX. I was never sent a letter about the increase rate, I only received a final notice about the overdue balance and late fees, I was never informed of the promotional rate, and after paying on the loan for now a year and a half, I have on paid off {$30.00} on a {$3700.00} loan. I was not provided any loan terms or interest rate. And today when I logged in to this online portal I was informed about it is now showing my overdue balance as {$180.00}. I was not offered any solutions, or apologies for the issue. I feel this is negligent practices and bordering on a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I cancelled an order from XXXX due to not being informed of extra charges before signing up for trial. XXXX communicated Reference Number XXXX has been canceled and immediately agreed to remove Hold from my Paypal account. 

Two weeks went by and Paypal was still charging me the {$64.00}. I again contacted XXXX and they reassured me that they did not charge me. I requested them to contact Paypal to confirm because Paypal said that the merchant did not agree with the above statement. I filled several disputes with Paypal even providing the email communication from the merchant, proving that they did not charge my account nor did they deliver any product for which I would be charged. A month or so later I received a letter from a debt collector requesting me to pay Paypal the monies as if I owed them which I do not. Paypal has received all of the email communication from the merchant but is still trying to charge me. I am now very suspicious of Paypal and how they are charging me monies that the merchant is not requesting and for product that was never mailed out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: WI

Complaint narrative:
I had an auto loan through XXXX XXXX XXXX XXXX and fell behind temporarily during in XX/XX/2019. I contacted XXXX XXXX and was placed on a formal payment plan over the phone. I made every payment as agreed under that arrangement and was told that staying on this plan would keep me in good standing. 

However, despite making all the payments on time per the agreement, XXXX XXXX continued to report me as 30 days late or more each month. This created a rolling late status that is still damaging my credit report, even though I was making all payments as arranged. 

I have disputed this through the credit reporting agencies, but XXXX XXXX continues to verify the late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: WI

Complaint narrative:
I had an auto loan through XXXX XXXX XXXX XXXX and fell behind temporarily during in XX/XX/year>. I contacted XXXX XXXX and was placed on a formal payment plan over the phone. I made every payment as agreed under that arrangement and was told that staying on this plan would keep me in good standing. 

However, despite making all the payments on time per the agreement, XXXX XXXX continued to report me as 30 days late or more each month. This created a rolling late status that is still damaging my credit report, even though I was making all payments as arranged. 

I have disputed this through the credit reporting agencies, but XXXX XXXX continues to verify the late payments.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I had an auto loan through XXXX XXXX XXXX XXXX and fell behind temporarily during in XX/XX/year>. I contacted XXXX XXXX and was placed on a formal payment plan over the phone. I made every payment as agreed under that arrangement and was told that staying on this plan would keep me in good standing. 

However, despite making all the payments on time per the agreement, XXXX XXXX continued to report me as 30 days late or more each month. This created a rolling late status that is still damaging my credit report, even though I was making all payments as arranged. 

I have disputed this through the credit reporting agencies, but XXXX XXXX continues to verify the late payments.

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 2025-06-26 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: MS

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-26 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: VA

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. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$4600.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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 take great issue with the inaccurate late payment currently impacting my credit file. This error is not only misleading but has caused measurable financial harm by lowering my credit score. I have verified through multiple sources that the payment was submitted and received on time. I expect full compliance with my rights as a consumer under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

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 ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Date : XX/XX/XXXXXXXX  TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I am writing to address the fraudulent inquiries on my consumer report stemming from identity theft, which you have unlawfully reported without verification as mandated by law. According to 15 USC 1681b ( c ), consumer reporting agencies are prohibited from furnishing records of inquiries not initiated by the consumer. 

The following inquiries, listed below, are a direct result of identity theft and were not initiated by me. I demand their immediate deletion : Experian : XXXX XXXX XXXX XXXX  Equifax : XXXX XXXX XXXX XXXX  Transunion : XXXX XXXX XXXX XXXX My identity has been stolen, and this serves as your official notice. This constitutes aggravated identity theft under 18 U.S.C. 1028A. By furnishing a consumer report without my written permission, as stipulated by 15 USC 1681b, you have facilitated this fraud. Furthermore, you have failed to verify these accounts, thereby aiding in the perpetuation of this fraud. Congress mandates fairness, impartiality, and respect for consumer privacy in the Fair Credit Reporting Act ( 15 USC 1681 ). Additionally, 15 U.S. Code 1681c2 requires the blocking of information resulting from identity theft upon consumer request. 

I have attached all necessary documents as per the aforementioned laws. I demand the immediate deletion of the fraudulent inquiries and request an updated copy of my consumer file reflecting these changes, as provided by 15 USC 1681c-1.2. Furthermore, pursuant to 15 USC 1681g ( d ), I request a free copy of my consumer file due to the inclusion of a fraud alert. I will also be informing the Bureau of Consumer Protection Financial ( CFPB ) of this matter. 

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 2025-06-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Date : XX/XX/XXXXXXXX  TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I am writing to address the fraudulent inquiries on my consumer report stemming from identity theft, which you have unlawfully reported without verification as mandated by law. According to 15 USC 1681b ( c ), consumer reporting agencies are prohibited from furnishing records of inquiries not initiated by the consumer. 

The following inquiries, listed below, are a direct result of identity theft and were not initiated by me. I demand their immediate deletion : Experian : XXXX XXXX XXXX XXXX  Equifax : XXXX XXXX XXXX XXXX  Transunion : XXXX XXXX XXXX XXXX My identity has been stolen, and this serves as your official notice. This constitutes aggravated identity theft under 18 U.S.C. 1028A. By furnishing a consumer report without my written permission, as stipulated by 15 USC 1681b, you have facilitated this fraud. Furthermore, you have failed to verify these accounts, thereby aiding in the perpetuation of this fraud. Congress mandates fairness, impartiality, and respect for consumer privacy in the Fair Credit Reporting Act ( 15 USC 1681 ). Additionally, 15 U.S. Code 1681c2 requires the blocking of information resulting from identity theft upon consumer request. 

I have attached all necessary documents as per the aforementioned laws. I demand the immediate deletion of the fraudulent inquiries and request an updated copy of my consumer file reflecting these changes, as provided by 15 USC 1681c-1.2. Furthermore, pursuant to 15 USC 1681g ( d ), I request a free copy of my consumer file due to the inclusion of a fraud alert. I will also be informing the Bureau of Consumer Protection Financial ( CFPB ) of this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
To Whom It May Concern, I am filing this formal complaint to dispute multiple fraudulent collection accounts reported on my credit profile as a result of identity theft. Despite my efforts to resolve these directly with the creditors and collection agencies, the accounts remain unresolved, harming my credit and violating federal consumer protection laws. 

Fraudulent Accounts : | XXXX XXXX XXXX XXXX | {$1800.00} | XXXX XXXX XXXX | {$1000.00} | XXXX XXXX XXXX XXXX | {$1500.00} | XXXX XXXX XXXX | {$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 2025-06-26 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:
To Whom It May Concern, I am filing this formal complaint to dispute multiple fraudulent collection accounts reported on my credit profile as a result of identity theft. Despite my efforts to resolve these directly with the creditors and collection agencies, the accounts remain unresolved, harming my credit and violating federal consumer protection laws. 

Fraudulent Accounts : | XXXX XXXX XXXX XXXX | {$1800.00} | XXXX XXXX XXXX | {$1000.00} | XXXX XXXX XXXX XXXX | {$1500.00} | XXXX XXXX XXXX | {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-06-26 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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