vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: TX

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 2025-07-03 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.

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 XXXX ] Account Number : [ 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-03 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information Possibly Resulting from XXXX Data Breach To Whom It May Concern, I am writing to dispute inaccurate information on my credit report that I believe may be the result of the Equifax data breach that occurred in XXXX. I recently obtained a copy of my credit report and discovered the following item ( XXXX ), which I did not authorize and believe to be the result of identity theft : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Nature of Dispute : This account does not belong to me ; I did not open this account ; The listed debt is inaccurate. 

Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : This account does not belong to me ; I did not open this account ; The listed debt is inaccurate. 

Creditor Name : XXXX XXXX  Account Number : XXXX Nature of Dispute : This account does not belong to me ; I did not open this account ; The listed debt is inaccurate. 

Creditor Name : XXXX XXXX Account Number : XXXX Nature of Dispute : This account does not belong to me ; I did not open this account ; The listed debt is inaccurate. 

Creditor Name : XXXX Account Number : XXXX XXXX of Dispute : This account does not belong to me ; I did not open this account ; The listed debt is inaccurate. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : This account does not belong to me ; I did not open this account ; The listed debt is inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), I am formally requesting that Equifax investigate this matter and either verify the accuracy of this item or remove it from my credit report. Enclosed are copies of documentation supporting my claim, including : A copy of my government-issued ID ( e.g., drivers license ) A copy of a utility bill or other proof of address A copy of my credit report highlighting the disputed item [ Any police report or FTC Identity Theft Report, if applicable ] Please conduct an investigation and notify me in writing of the outcome. If you find the account to be inaccurate or unverifiable, I request that you delete it from my credit report and provide an updated copy showing the correction. 

I appreciate your prompt attention to this matter. If you require additional information, please contact me at the address or phone number listed above. 

Sincerely, 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 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I have been receiving multiple calls each day ( 3 to 4 calls a day ) and the creditor, OneMain Financial has called my place of employment at least once. The last call to my work was noted on Friday, XX/XX/year> at about just after XXXX that morning and was noted by my supervisor at work. I had notified the creditor to please not to call my work about my past due payment but creditor continues to make multiple calls each day to my mobile number and continues to call my place of employment. The call is re : payment amount of {$640.00}. Also, there were several instances of unauthorized payments processing on my bank account when I had spoken to an agent about scheduling a payment and creditor would continue to attempt to charge a payment before a scheduled payment date. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: FL

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 XXXX XXXX ] Account Number : [ 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 2025-07-03 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: FL

Complaint narrative:
DEAR CFPB TEAM, Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report.

I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Attachments : ID, SSN, PROOF OF ADDRESS, LETTER TO THE AGENCY. 
Thank you for your immediate attention to this matter. 
Account details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 explanation
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 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 2025-07-03 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: DailyPay, Inc
State: PA

Complaint narrative:
I am not an employee of XXXX XXXX XXXX XXXX, but XXXX released XXXX payments tied to that company using my personal email address without my consent. The amounts were : {$110.00}, {$550.00}, and {$160.00}. These were issued in XXXX and XX/XX/year>. 

After the first payment of {$110.00}, XXXX marked it as an overpayment and took funds out of my actual paycheck from my real XXXX, causing direct financial harm. I never worked for XXXX XXXX and never authorized any payroll payments connected to them. 

My XXXX address ( XXXX ) was used without permission to link or create a fraudulent profile. I reported the issue to XXXX months ago and submitted a valid paystub from my actual employer ( XXXX XXXX ) to verify my identity and correct the issue. 

I also contacted the XXXX XXXX department at XXXX XXXX XXXXXXXX XXXX directly. Their team acknowledged that my email address was being used on someone elses employment profile, but they refused to correct the issue. They even admitted that the email did not match the employees birthdate or XXXX  yet they continued to send me timesheets, paystubs, and XXXX XXXX emails. 

Despite my efforts, XXXX continued to process disbursements linked to the wrong employer and email. I have asked for a full investigation, a breakdown of account activity under my email, and written confirmation that my data would be unlinked but no resolution has been provided. 

This situation has caused serious XXXX XXXX, and financial loss. I am requesting : A full investigation and audit of all three payments A written explanation of how my email became linked to the wrong pay profile Reimbursement for any funds taken from my actual paycheck Complete removal of my email and identity from all association with XXXX XXXX  Written confirmation that the fraudulent account has been blocked or deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MD

Complaint narrative:
I am writing to formally dispute a credit inquiry that appears on my credit report. I did not authorize this inquiry, and it was made without a permissible purpose under the Fair Credit Reporting Act ( FCRA ).

Let me be very clear : I did not apply for credit, services, or any transaction that would warrant this inquiry. Whoever pulled my credit had no legal grounds to do so, and this unauthorized inquiry is a direct violation of my rights under the FCRA, which strictly limits who can access a consumers credit report and for what reasons.

This inquiry is not only unwarrantedits damaging. Hard inquiries affect my credit score and overall financial profile, and in this case, I am being penalized for something I never agreed to or initiated. Thats unacceptable.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY XXXX XXXX AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE XXXX XXXX XXXX XXXX  ( TILA ), XXXX XXXX CODE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
My payment on my XXXX XXXX XXXX XXXX card is typically {$30.00} per month. I do/did acknowledge that I missed last month 's payment due to medical reasons, and was prepared to pay {$60.00} plus a late fee. However, when I logged into my account, I discovered that they were wanting a payment of {$170.00}. I called the company to find out what in the world was going on, and they gave me a bunch of excuses that I didn't quite buy. Because I wanted my account to be in good standing again, they said that my only options were to XXXX : pay what they were wanting, or XXXX : pay {$60.00} today and {$110.00} on the XXXX. My bill for last month wasn't even due until the XXXX, so in reality, I'm only 10 days late for last month. So, it appears that I am being charged for the payment that's 10 days late, plus a late fee, AND being charged for this month, which isn't even due yet ( today is XXXX, and XXXX 's bill is technically not due until the XXXX ). 

After I had grudgingly agreed to the arrangement ( I'm a XXXXXXXX XXXX XXXX XXXX  ), the representative supposedly " accidentally '' charged my debit card for the full amount they were wanting, saying the equivalent of " oops ''. SUPPOSEDLY she canceled that payment that I DID NOT agree to. I'm still waiting to see if it will overdraft my account or not ; I have been periodically checking my bank account. I have no idea where the additional {$110.00} is coming from, as there is no way in the world that's interest plus a late fee. 

This is what I consider a predatory practice. Companies that take advantage of customers who are trying to do the right thing. I have several credit cards, and this is the ONLY one that has done this to me. I have several cards as I am working on building my credit score, and with them pulling this stunt, it's going to reflect badly on mt credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: KS

Complaint narrative:
I was coerced into cosigning an auto loan for my father, despite not having access to the car or the account. He has repeatedly made late payments, which are now severely damaging my credit. I am not the primary borrower, nor do I have any control over the vehicle, the payments, or the loan. 

I contacted XXXX XXXX XXXX XXXX and requested cosigner release or support options. I was told the only way to be removed was if the primary borrower refinanced something he has refused to do. 

I am asking the CFPB to investigate this account and intervene in any unfair reporting practices impacting my credit. I was placed in a financial situation I did not consent to freely, and the impact on my life and credit score is substantial. 

Please consider this a request for relief, a review of inaccurate reporting responsibility, and, at minimum, a flagged consumer statement. 

Thank you for reviewing my case.

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 2025-07-03 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: KS

Complaint narrative:
I was coerced into cosigning an auto loan for my father, despite not having access to the car or the account. He has repeatedly made late payments, which are now severely damaging my credit. I am not the primary borrower, nor do I have any control over the vehicle, the payments, or the loan. 

I contacted XXXX XXXX XXXX XXXX and requested cosigner release or support options. I was told the only way to be removed was if the primary borrower refinanced something he has refused to do. 

I am asking the CFPB to investigate this account and intervene in any unfair reporting practices impacting my credit. I was placed in a financial situation I did not consent to freely, and the impact on my life and credit score is substantial.

Please consider this a request for relief, a review of inaccurate reporting responsibility, and, at minimum, a flagged consumer statement. 

Thank you for reviewing my case.

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