vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I filed XXXX XXXX bankruptcy and this Capital One account was included in the discharge. However, the account is still being reported inaccurately on my credit report. The remark Dispute resolved reported by grantor is misleading and outdated. The account does not properly state Included in Bankruptcy with a {$0.00} balance, as required. This violates the FCRA specifically 15 U.S.C. 1681i ( Section 611 ) and 1681s-2 ( Section 623 ) which require accurate, complete, and verifiable reporting.

If Capital One can not verify and correct the data within 30 days, the account must be deleted. I am requesting the immediate deletion of this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX Lied Stating That I Paid 5 , % Of A Dept That's Owed Because I Have Not Paid Anything, After I Submitted Documents Stating What That Sent Was Inaccurate & False Information Concerning My Balance Experian Hold XXXX  Accountable For Providing Inaccurate False Information To My Credit Report For The Last Few Years That Has Damaged My Credit, Hinder My Ability To Obtain Rental Property, Caused Me Stress With Continuous Phone Calls In The Past, It Will Not Be Right By Law To Allow Them To Update My Account It Needs To Be Taken In Serious Consideration To Remove & Delete This Account From My Credit History Because They Have Committed Serious Fraud, They Knew What They Been Doing Was Trying To Get More Money Out Of Me, Make This Right For Me As A Consumer, Again Do Not Allow Them To Update This Account Because They Was Caught In A Lie Which Saying The Balance Was One Thing & It Was Reported Another, Then To Say I Paid The 5 %, Which In Actually They Was Trying To Get 5 % More Of What The Actual Balance Was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing a formal complaint against Equifax, Experian, and TransUnion for knowingly reporting inaccurate, unverifiable, and misleading late payment information in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards.

My credit reports reflect 30-, 60-, and 90-day late payments across multiple accounts, including : These late payments are unverifiable, inaccurate, and in some cases obsolete, and no creditor has produced the original contract, billing records, or any documentation in compliance with FCRA 609 ( a ) ( 1 ). My written disputes went unanswered or were marked as " verified '' without any actual reinvestigation, in violation of FCRA 611. 

Additionally, accounts in dispute were not coded as 'XXXX  ' per Metro 2 compliance, and some closed accounts are being updated with new derogatory datawhich is strictly prohibited under Metro 2 reporting guidelines.

Here are the specific FCRA violations : 605 ( a ) : Obsolete information ( over 7 years ) is still being reported 609 ( a ) ( 1 ) : No proof or contracts provided upon request 611 : Failure to reinvestigate and delete unverified information 623 : Furnishers failed to notify bureaus of corrections or disputes 616 & 617 : Civil liability for willful and negligent noncompliance Furthermore, late payments are being reported that were not a full 30 days late, violating Metro 2 guidelines. This is deceptive, damaging, and unlawful.

I am requesting : Immediate removal of all unverifiable and inaccurate late payments from all three credit bureaus. 

Full documentation showing verification of each tradeline or confirmation of deletion. 

Disciplinary review of the reporting practices of these CRAs and data furnishers. 

These violations have caused financial harm, loss of opportunity, and emotional distress. If not resolved, I will escalate legally and file formal complaints with the FTC, state attorney general, and seek civil damages under FCRA 616 & 617.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing a formal complaint against Equifax, Experian, and TransUnion for knowingly reporting inaccurate, unverifiable, and misleading late payment information in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards.

My credit reports reflect 30-, 60-, and 90-day late payments across multiple accounts, including : These late payments are unverifiable, inaccurate, and in some cases obsolete, and no creditor has produced the original contract, billing records, or any documentation in compliance with FCRA 609 ( a ) ( 1 ). My written disputes went unanswered or were marked as " verified '' without any actual reinvestigation, in violation of FCRA 611. 

Additionally, accounts in dispute were not coded as 'XXXX  ' per Metro 2 compliance, and some closed accounts are being updated with new derogatory datawhich is strictly prohibited under Metro 2 reporting guidelines.

Here are the specific FCRA violations : 605 ( a ) : Obsolete information ( over 7 years ) is still being reported 609 ( a ) ( 1 ) : No proof or contracts provided upon request 611 : Failure to reinvestigate and delete unverified information 623 : Furnishers failed to notify bureaus of corrections or disputes 616 & 617 : Civil liability for willful and negligent noncompliance Furthermore, late payments are being reported that were not a full 30 days late, violating Metro 2 guidelines. This is deceptive, damaging, and unlawful.

I am requesting : Immediate removal of all unverifiable and inaccurate late payments from all three credit bureaus. 

Full documentation showing verification of each tradeline or confirmation of deletion. 

Disciplinary review of the reporting practices of these CRAs and data furnishers. 

These violations have caused financial harm, loss of opportunity, and emotional distress. If not resolved, I will escalate legally and file formal complaints with the FTC, state attorney general, and seek civil damages under FCRA 616 & 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: Opportunity Financial, LLC
State: NJ

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against Opportunity Financial , LLC ( OppLoans ) and XXXX XXXXXXXX XXXX  for issuing loans with triple-digit APRs that I believe are deceptive, abusive, and intentionally structured to evade New Jersey state usury laws.

I have received the following loans through the OppLoans platform : Loan # 1 Effective Date : XX/XX/XXXX Amount Financed : {$2000.00} Finance Charge : {$1500.00} Total of Payments : {$3500.00} APR : 159.48 % Loan # 2 Effective Date : XX/XX/XXXX Amount Financed : {$5000.00} Finance Charge : {$8200.00} Total of Payments : {$13000.00} APR : 159.47 % Term : 77 weekly payments of {$170.00} Despite these loans being originated by a bank XXXX XXXX XXXXXXXX XXXX XXXX, I am a New Jersey resident, and the interest rates grossly exceed my states legal rate cap. I believe this arrangement constitutes a rent-a-bank scheme in violation of the Truth in Lending Act ( TILA ) and the Dodd-Frank Acts prohibition against unfair, deceptive, or abusive acts or practices ( UDAAP ).

OppLoans continued justification of the APRs as state-specific is misleading. I have not received meaningful regulatory recourse from OppLoans, despite multiple written disputes. They recently shared their New Jersey license XXXX XXXX XXXXXXXX ) issued on XX/XX/XXXX, but their current lending model appears to have continued even prior to obtaining this license. 

I respectfully urge the CFPB to investigate this lending structure for potential UDAAP violations, and whether the partnership between OppLoans and XXXX XXXX XXXX is being used to circumvent consumer protection laws. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MD

Complaint narrative:
I am formally disputing late payments reported on the following accounts : XXXX XXXX XXXX The reported late payments are inaccurate because I was never notified of the payment due dates or any missed payments by the creditors. This lack of notice prevented me from addressing the situation and violates my rights under the Fair Credit Reporting Act ( FCRA ).

Specifically : FCRA 1681e ( b ) Credit data must be accurate and complete.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report fairly and responsibly.

FCRA 1681i ( a ) Unverified or incorrect information must be deleted after a dispute.

Ive requested that Equifax contact the furnishers. If they can not prove that notice was sent before reporting the delinquency, the late marks must be permanently removed. I expect written confirmation of the results within 30 days, per FCRA 1681i ( a ) ( 1 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: NY

Complaint narrative:
I send letter of proof for delete this account and their dont delete because their preference to the XXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/year>2021 and a balance of $ XXXXThis account is incorrectly being reported as a charged off account with a balance due and is fraud account open without my permission and I has some hard enquirers that still not remove and its fraud too please help 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 2025-07-13 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, MI XXXX ), Under the protections provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), this letter serves as an official Cease and Desist demand that TransUnion immediately and permanently remove the following items from my Despite these items being fraudulent and harmful, they are still being reported. I am requesting the CFPB to investigate and enforce removal I have already sent dispute and cease-and-desist letters directly to TransUnion, but no corrective action has been taken. These inaccurate records are hurting my credit and preventing me from rebuilding my life. 

I am asking the CFPB to force TransUnion to conduct a proper reinvestigation and permanently delete all fraudulent inquiries and the closed student loan account. I also request written confirmation from TransUnion once these removals are complete. 

Thank you for your immediate assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX Email : XXXX Phone : 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 2025-07-13 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent a debt Validation letter on XX/XX/year> have not received a response yet...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: CT

Complaint narrative:
Formal Request for Removal of Negative Items and Hard Inquiries under 15 U.S.C. 1692 ( c ) To Whom It May Concern : I am writing to formally dispute and request the immediate removal of certain negative items and unauthorized hard inquiries currently listed on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( c ), I am exercising my right to request that these items be removed or validated.

Specifically, this section of the FDCPA outlines the consumers right to limit communications and correct information that is either inaccurate or unverifiable. In accordance with this law, I am requesting that your agency : 1.Provide full validation of each disputed negative item and hard inquiry as required by federal law.

2.Remove any item or inquiry that can not be verified with original documentation directly from the creditor or furnisher.

3.Cease and desist from reporting any unverifiable or inaccurate information moving forward.

Please note that any negative item or inquiry that can not be properly validated within 30 days must be removed from my credit file immediately, as required under the Fair Credit Reporting Act ( FCRA ) and the FDCPA.

Please respond to this request in writing and confirm whether these items have been removed or what documentation you are relying on to continue reporting them. I am also requesting that all future communication be conducted via mail to maintain a clear record of correspondence.

Failure to respond to this notice or verify these accounts in accordance with federal law will be interpreted as your inability to validate the disputed items and will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and possibly civil action.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00}, XXXX XXXX XXXX Balance : {$160.00}

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 2025-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: PA

Complaint narrative:
I have a screenshot of what I am still owed XXXX refuses to help me escalate and refund my money on this issue. I also dispute with cash app and they are not helping me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CT

Complaint narrative:
I moved out from XXXXXXXX XXXX XXXXXXXX in XX/XX/year> and I made sure to that the apartment is in good condition in order to receive my deposit back. The leasing office manager at the time was a XXXX and wanted to cause my and my roommate trouble by claiming that there was damage to the apartment after we left and without telling us about the issue just to be surprised now of this collection. No communication was made in this regards.

Company response to consumer: Closed with non-monetary relief