vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: MS

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I have an email account that I have not used for years. I accidentally opened the inbox in XX/XX/scrub> 2025 and discovered a slew of automated emails from Paypal -- sending monthly account statements and transaction updates to my defunct email and using my full name. I have never created a Paypal account under that email and under my name. 

On XX/XX/XXXX, I forwarded one of these automated notices from Paypal to my email to two customer service email addresses that Paypal offers : XXXX, XXXX. I notified them that someone had fraudulently used my email address and name to create a Paypal account, and I asked them to permanently delete the account. 

I got an automated response that did not address my specific concerns on XX/XX/XXXX. I received no further response from Paypal. 

On XX/XX/XXXX, after seeing further emails from Paypal to my old email account confirming the transactions have continued, I called Paypal 's customer service. After 35 minutes on the phone, they told me that they are not able to help me address this fraudulent account that was created under my name and with my email address. They could only suggest that I use the " Forgot password '' option to send a code to my email -- but, as I explained to them three times, PayPal has multi-factor authentication, so the code from my email is not enough to allow me to log into the fraudulent account. Instead, once I put in the email code, it gives me two options : 1 ) to receive a code by text to the phone number associated with my account, which is not my phone number because I did not create the account ; or 2 ) answer a string of security questions, which, again, I can not answer accurately because I did not create the account. 

Thus, Paypal 's policy leaves me with no recourse for deleting a Paypal account that is fraudulently using my name and email address. I am concerned that it could impact my credit score and ability to get loans. Paypal 's policy is just inviting unchecked fraud -- anyone can create an account under someone else 's name and email address, and once they link the account to their phone number and their security questions, the person whose name and email are being fraudulently used have no way to stop this. This is a negligent and irresponsible business practice, and PayPal should be held accountable. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
Dear XXXX Disputes Department, This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ), Section 623 [ 15 U.S.C. 1681s-2 ], regarding your reporting of my XXXX Salary Advance Loan ( SALO ) account ending in XXXX. 

In your letter dated XX/XX/2025, you confirmed that this account was charged off as of XX/XX/2025, and reported as delinquent to the consumer reporting agencies. However, you also acknowledged that the account was inaccurately reported as 90 days delinquent for the month of XX/XX/2025 and that the accurate delinquency status for that period should be 120 days delinquent. 

The inaccurate reporting of the delinquency timeline is materially misleading and violates your responsibilities under the FCRA to furnish accurate and complete information to consumer reporting agencies. Furthermore, the misreporting may result in an unjustified negative impact on my credit profile, which you are legally obligated to avoid under FCRA Section 623 ( a ) ( 1 ) ( A ).

Accordingly, I am requesting that XXXX  : 1. Conduct a full reinvestigation of this account and provide all documentation used to verify the reported delinquency and charge-off.

2. Confirm in writing the corrections submitted to all consumer reporting agencies ( XXXX, XXXX, and XXXX  ). 
XXXX. Ensure that the account is fully and accurately reported, with no further discrepancies or misleading status updates. 
XXXX. Provide a copy of the signed promissory note and supporting documents verifying the debt and the dates of delinquency. 

Please note that under the FCRA, you are required to complete your reinvestigation and respond within 30 days of receiving this dispute. If the information can not be verified or corrected, you are required to remove it from my credit file. 

I expect full compliance with your responsibilities under federal law and a written response documenting your findings. 

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 2025-07-22 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: Early Warning Services, LLC
State: NC

Complaint narrative:
Dear XXXX Disputes Department, This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ), Section 623 [ 15 U.S.C. 1681s-2 ], regarding your reporting of my XXXX  Salary Advance Loan ( SALO ) account ending in XXXX. 

In your letter dated XX/XX/year>, you confirmed that this account was charged off as of XX/XX/year>, and reported as delinquent to the consumer reporting agencies. However, you also acknowledged that the account was inaccurately reported as 90 days delinquent for the month of XX/XX/year> and that the accurate delinquency status for that period should be 120 days delinquent. 

The inaccurate reporting of the delinquency timeline is materially misleading and violates your responsibilities under the FCRA to furnish accurate and complete information to consumer reporting agencies. Furthermore, the misreporting may result in an unjustified negative impact on my credit profile, which you are legally obligated to avoid under FCRA Section 623 ( a ) ( 1 ) ( A ). 

Accordingly, I am requesting that XXXX : XXXX. Conduct a full reinvestigation of this account and provide all documentation used to verify the reported delinquency and charge-off. 
XXXX. Confirm in writing the corrections submitted to all consumer reporting agencies ( XXXX, XXXX, and XXXX  ). 
XXXX. Ensure that the account is fully and accurately reported, with no further discrepancies or misleading status updates. 
XXXX. Provide a copy of the signed promissory note and supporting documents verifying the debt and the dates of delinquency. 

Please note that under the FCRA, you are required to complete your reinvestigation and respond within 30 days of receiving this dispute. If the information can not be verified or corrected, you are required to remove it from my credit file. 

I expect full compliance with your responsibilities under federal law and a written response documenting your findings. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Formal Regulatory Complaint XXXX XXXX Date : XX/XX/year> Time : XXXX XXXX  To Whom It May Concern : I am submitting this formal complaint regarding predatory and deceptive auto financing practices conducted by Credit Acceptance Corporation in connection with my current auto loan. 

The agreement I was provided involved an APR of 23.99 % on a {$20000.00} loan over a XXXX term, resulting in a monthly payment of {$620.00}. This interest rate is disproportionately high, given my consistent payment history and improving credit standing. I believe I was misled regarding the financial terms, and the interest rate applied is excessive and abusive under fair lending standards. 

I have attempted to escalate this matter directly to Credit Acceptance. On XX/XX/year>, I contacted them and clearly stated that my matter involved a legal issue and not a service request. My efforts to reach their legal or executive departments were repeatedly obstructed. This conduct reflects intentional evasion and noncompliance. 

I am requesting immediate regulatory review of Credit Acceptances lending and escalation practices. I have also submitted a legal demand to the company directly, requesting either an APR reduction and balance adjustment or a full contract rescission and new agreement for a replacement vehicle. 

Additionally, I dispute the credit reporting activity associated with this loan and request that this file be reviewed in coordination with the Fair Credit Reporting Act, as my credit report does not accurately reflect my payment reliability or account standing. 

Thank you for your time and prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-07-22 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: CL Holdings LLC
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed I had fraudulent activity. Please remove all fraudulent accounts thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I kindly request the removal of the following hard inquiries from my credit report : These inquiries have been recorded in my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me as a consumer, even though it appears that an attempt was made to use my information in connection with them. Please find attached my dispute along with the fraud report I recently submitted to the bureau for the second time. I trust that this matter will be resolved completely. I formally request the removal of these inquiries from my credit history.The following entries on my credit report are associated with this identity theft and must be blocked and permanently removed immediately : Inquiries : XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: PA

Complaint narrative:
This is the 2nd time I have had to address this with Equifax and XXXX. On my Equifax credit report, my {$27000.00} loan is listed twice, and yet their " investigation '' somehow concluded that the loan still appears on my credit report, even though it is listed twice. One of them needs to be removed. It increases my debt-to-income ratio. Please see the attached screenshot from the XXXX website, which verifies the loans I have, and compare it to the Equifax report, which lists one of my loans TWICE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
In XX/XX/year>, I checked my credit report and discovered several accounts that I did not open or authorize. These included collection accounts and a credit card that were added without my knowledge. I filed a police report with the XXXX Police Department ( Report # : XXXX ) and identified these accounts as fraudulent. I did not apply for or benefit from these debts, and I believe my identity was used by someone else without my consent. Despite my efforts to dispute these accounts with the credit bureaus, they remain on my credit file, damaging my creditworthiness. This has impacted my ability to obtain credit and caused emotional and financial stress. I am submitting this complaint to request the full removal of all fraudulent accounts.

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 2025-07-22 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NJ

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 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 2025-07-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Experian

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