vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: Duvera Billing Services, LLC
State: AZ

Complaint narrative:
In XX/XX/year>, I financed a {$3100.00} vehicle repair through EasyPay Finance at an interest rate of 179 % APR. Since then, I have paid approximately {$2300.00} toward the loan, yet my current balance remains around XXXX XXXXXXXX unchangedraising concerns about how my payments are being applied. Additionally, EasyPay has failed to provide any account statements from XX/XX/year> to the present, preventing me from tracking my account or verifying charges. I believe these practices constitute predatory lending, possible violations of Arizonas consumer lending laws, and a failure to provide required disclosures, and I request a full investigation, an account audit, all missing statements, and recalculation of my balance at a lawful interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Accounts XXXX XXXX XXXX XXXX has violated my rights. This company is reporting inaccurate information on my credit report. This company is violating my rights putting this on my credit. > 15 U.S.C 1681 section 602 A. States I have the right to privacy. > 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the account and follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Accounts XXXX XXXX XXXX XXXX has violated my rights. This company is reporting inaccurate information on my credit report. This company is violating my rights putting this on my credit. > 15 U.S.C 1681 section 602 A. States I have the right to privacy. > 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the account and follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-08-13 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, 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 TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( 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 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 2025-08-13 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: CA

Complaint narrative:
I am filing this complaint against Equifax because my credit report contains several accounts that I do not recognize and never authorized. I have already submitted disputes with supporting identification documents requesting an investigation, yet these accounts remain on my report. Equifaxs failure to properly investigate and remove these unauthorized accounts is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and is causing ongoing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Company is alleging that I owe a debt I have no knowledge about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: RI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 

The following fraudulent accounts and inquiries have been identified as a result of this Breach : 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 non-monetary relief
Consumer complaint received 2025-08-13 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in to be removed.

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. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

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 2025-08-13 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: MA

Complaint narrative:
These inquiries and acccounts are incorrect, since i do not recognize them, please investigate them and delete them, Inquiries : 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 2025-08-13 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: MA

Complaint narrative:
These inquiries and acccounts are incorrect, since i do not recognize them, please investigate them and delete them, Inquiries : 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 non-monetary relief
Consumer complaint received 2025-08-13 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: MA

Complaint narrative:
These inquiries and acccounts are incorrect, since i do not recognize them, please investigate them and delete them, Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: LendingPoint Holdings LLC
State: CA

Complaint narrative:
XXXX is inaccurately reporting the same debt twice on my credit file, which constitutes duplicate negative reporting and violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit reporting agencies to assure maximum possible accuracy. 

The debt originated with XXXX XXXX XXXX XXXX XXXX XXXX and was sold to a debt buyer. However, XXXX is showing two separate entries for the same account : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed as Paid in settlement with a \ {$5800.00} original balance, opened XX/XX/XXXX. Status updated XX/XX/XXXX. 
XXXXXXXX XXXX XXXX LendingPoint LLC XXXX XXXX  Listed as a Collection account with the same \ {$5800.00} balance, opened XX/XX/XXXX. Status updated XXXX XXXX 

Both entries show : XXXX Same original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Same original balance : XXXX XXXX \ {$5800.00} XXXX XXXX XXXX  Same date opened : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX Same debt, but different statuses The debt was sold and transferred to XXXX XXXX XXXX, who settled the account ( Paid in settlement ). Despite this, XXXX continues to report LendingPoint LLC ( the original creditor ) as an unpaid collection account XXXX XXXX after the debt was already sold XXXX XXXX. This is inaccurate and misleading once a debt is sold, the original creditor should not continue to report it as an active collection. 

XXXX XXXX  This is harmful because : XXXX XXXX XXXX  It creates the false impression that I have XXXX separate delinquent debts. 
XXXX It artificially inflates my total outstanding debt. 
XXXX It lowers my credit score and misrepresents my payment history. 

XXXX XXXX FCRA Violations : XXXX XXXX I sent EXXXX a dispute letter in XXXXXXXX XXXX XXXX XXXX XXXX as of today I have not received a response XXXX XXXX XXXX 1681e ( b ) XXXX XXXX  Failure to maintain reasonable procedures to assure maximum possible accuracy of information. 
XXXX XXXX XXXX 1681i ( a ) XXXX XXXX Failure to conduct a reasonable reinvestigation after a dispute * Continued reporting by the original creditor as a collection after sale of the debt is misleading and does not meet FCRA accuracy requirements. 
Requested resolution : * * I request that XXXX XXXX XXXX delete both entries XXXX XXXX the XXXX XXXX XXXX and LendingPoint LLC listings because they are duplicates of the same debt, misreported, and one is being reported by the original creditor after the debt was sold. These duplicate and inaccurate entries violate the FCRA and are causing ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Oliphant United, Inc.
State: CA

Complaint narrative:
XXXX  is inaccurately reporting the same debt XXXX  on my credit file, which constitutes duplicate negative reporting and violates the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), which requires credit reporting agencies to assure maximum possible accuracy. 

The debt originated with * * XXXX XXXX  * * and was sold to a debt buyer. However, XXXX  is showing XXXX separate entries for the same account : XXXX. * * XXXX XXXX XXXX * * Listed as Paid in settlement with a \ {$5800.00} original balance, opened XX/XX/XXXX. Status updated XX/XX/XXXX. 
XXXX. * * XXXX XXXX * * Listed as a XXXX account with the same \ {$5800.00} balance, opened XX/XX/XXXX. XXXX updated XX/XX/XXXX. 

Both entries show : * Same original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Same original balance : * * \ {$5800.00} * * * Same date opened : * * XX/XX/XXXX * * * Same debt, but different statuses The debt was sold and transferred to XXXX XXXX XXXX, who settled the account ( Paid in settlement ). Despite this, XXXX  continues to report XXXX XXXX ( the original creditor ) as an unpaid collection account * * after the debt was already sold * *. This is inaccurate and misleading once a debt is sold, the original creditor should not continue to report it as an active collection. 

* * This is harmful because : * * * It creates the false impression that I have XXXX separate delinquent debts. 
* It artificially inflates my total outstanding debt. 
* It lowers my XXXX XXXX and misrepresents my payment history. 

* * FCRA Violations : * * I sent XXXX a dispute letter in XXXX on the XXXX XXXX as of today I have not received a response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to maintain reasonable procedures to assure maximum possible accuracy of information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to conduct a reasonable reinvestigation after a dispute * Continued reporting by the original creditor as a collection after sale of the debt is misleading and does not meet FCRA accuracy requirements. 
Requested resolution : * * I request that XXXX  * * delete both entries * * the XXXX XXXX XXXX and XXXX XXXX listings because they are duplicates of the same debt, misreported, and XXXX is being reported by the original creditor after the debt was sold. These duplicate and inaccurate entries violate the FCRA and are causing ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NC

Complaint narrative:
I am a victim of identity theft, Ive never opened any of these accounts and ive never gave anyone permission or authorization to open these accounts without my consent. Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am a victim of identity theft. My credit report with XXXX contains a credit card account that I did not open, authorize, or use. 
This account is fraudulent and is damaging my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
b'I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my XXXX consumer credit report. I am asserting my rights under the Fair Credit Reporting Act (FCRA), Consumer Financial Protection Act (CFPA), and citing direct violations confirmed by the CFPBs XXXX XXXX XXXXawsuit against EQUIFAX \n**I am a victim of malpractice and broken laws based on the XXXX lawsuit against EQUIFAX .**And Im also filling this complaint due to XXXX repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, XXXX has failed to meet its obligations under: - 15 U.S.C.  1681i  Failure to conduct a reasonable reinvestigation - 15 U.S.C.  1681i(a)(2)  Failure to forward all submitted documentation to furnishers - 15 U.S.C.  1681e(b)  Failure to maintain maximum possible accuracy - 15 U.S.C.  1681c-2  Failure to block fraudulent accounts upon identity theft report - 18 U.S.C.  1028  Identity Theft and Assumption Deterrence Act - FACTA  Fair and Accurate Credit Transactions Act oXXXX XXXX XXXX Metro 2 Compliance Standards Personal Information Inaccuracies XXXX  continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or XXXX data mishandling.\n\nAccounts Reported in Violation of Federal Law\XXXX XXXX XXXX XXXX  Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXXFailure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2XXXX XXXX XXXX XXXX  Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) Accounts reinserted without MOV or consumer notice, Metro 2 violations (codes 30/31), FCRA  1681c-2 and  1681i(a)(2) violations Pattern of Misconduct  EQUIFAX  Lawsuit Reference This is not isolated. The CFPB filed suit against EQUIFAX in XXXX XXXX XXXX XXXX) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims  the very same\nconduct Im reporting here. I am directly experiencing the same violations as outlined in that case'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: PA

Complaint narrative:
Permanently delete the following fraudulent accounts and all related inquiries from my credit report : XXXXXXXX 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 Date of inquiry : XX/XX/XXXX Block all identity theftrelated data as required by 15 U.S.C. 1681c2, provide a corrected and updated credit report, and send written confirmation of the deletions and blocks within 4 business days of receiving my documentation.

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