vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a complaint regarding multiple inaccurate, duplicate, and misleading accounts reported by XXXX XXXX XXXX and XXXX  XXXX on my credit reports from XXXX, TransUnion, and XXXX. 

XXXX XXXX is reporting the same debt TWICE both entries show a {$220.00} balance, opened on the same date ( XX/XX/XXXX ), and refer to the same original creditor, XXXX XXXX XXXX. This is a duplicate entry and is falsely inflating my debt and damaging my creditworthiness. 

Additionally, XXXX XXXX is still reporting the original account as Paid as agreed and Canceled by credit grantor, even though it appears the debt was sold to collections. This causes double reporting of the same account, and XXXX XXXX should not be reporting it if it was charged off and sold. 

Furthermore, the date opened on the XXXX XXXX accounts is listed as XX/XX/XXXX, although the last activity on the original account was in XXXX. This appears to be re-aging of the debt, which violates the Fair Credit Reporting Act ( FCRA ). 

I disputed these accounts with the credit bureaus and requested removal of both XXXX XXXX entries and the original XXXX XXXX entry. If XXXX XXXX is valid, XXXX XXXX is not. If XXXX XXXX is valid, XXXX XXXX should no longer report the account. 

I am requesting that the CFPB investigate these violations of : FCRA Section 607 ( b ) : Accuracy in reporting FCRA Section 623 : Obligation of furnishers to report accurately Prohibition on re-aging of debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
I obtained a loan through Aqua Finance Inc. to finance XXXX  impact windows for my mother 's home. Since the beginning of the loan, I have experienced multiple serious issues that reflect predatory and non-transparent lending practices. 

Aqua Finance does not provide a clear breakdown of loan terms in their monthly statements. There is no disclosure of the interest rate ( APR ), no amortization schedule, no indication of how much of each payment goes toward principal vs. interest, and no explanation for sudden increases in my monthly payment amount. 

I reached out to their customer service on multiple occasions, but I received no clear answers, and in many cases, no response at all. The statements are vague and incomplete, leaving borrowers in the dark and making it impossible to track how the loan is being applied. This level of non-disclosure is unacceptable and would never be permitted with mortgage or credit card lenders, who are legally required to provide transparent statements. 

This lack of clarity, combined with poor customer support and unexplained payment increases, has left me feeling misled and financially vulnerable. I believe Aqua Finance is violating the spirit, if not the letter, of federal disclosure laws designed to protect consumers from exactly this kind of abusive lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
URGENT FINAL DEMAND FOR DELETION OF FRAUDULENT AND UNAUTHORIZED ACCOUNTS PURSUANT TO FCRA, GLBA, AND FDCPA To Whom It May Concern, I am issuing this URGENT FINAL DEMAND for the immediate and permanent deletion of multiple fraudulent and unauthorized accounts from my credit file, as required under the Fair Credit Reporting Act ( FCRA ) Sections 605B ( 15 U.S.C. 1681c-2 ) and 1681i ( a ) ( 5 ) ; the Gramm-Leach-Bliley Act ( GLBA ) Section 502 ( 15 U.S.C. 6802 ) ; and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). These accounts were the result of unauthorized activity stemming from identity theft and/or data breaches. You are legally obligated to DELETE THESE ACCOUNTS IMMEDIATELY. Failure to act within the statutory deadlines will result in formal complaints and legal action. 

Under FCRA Section 605B, any account resulting from identity theft or unauthorized use must be blocked within four ( 4 ) business days of receipt of a consumers written request with proper identity documentation. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), if an item can not be verified with reliable evidence, it must be permanently deleted. These accounts meet both criteria.

The GLBA Section 502 prohibits the disclosure or use of nonpublic personal information without my express consent, which I never provided. Continuing to report these fraudulent accounts also violates FDCPA Section 1692e, which prohibits any false or misleading representation of a consumer debt. 

The accounts to be permanently deleted from my credit file are : XXXX XXXX Account Number : XXXX Status : Fraudulent/Unauthorized Compromised in Data Breach XXXX  Account Number : XXXX Status : Fraudulent/Unauthorized Compromised in Data Breach XXXX XXXX Account Number : XXXX Status : Fraudulent/Unauthorized Compromised in Data Breach I demand that these accounts be blocked within four ( 4 ) business days under FCRA 605B, and permanently deleted from my credit file within thirty ( 30 ) days as outlined in FCRA Section 611 ( 15 U.S.C. 1681i ). I have included a copy of my valid identification to verify my identity as required by law. 

Please confirm in writing that all three accounts listed above have been removed from my credit file. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential legal proceedings under the aforementioned federal statutes. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
URGENT FINAL DEMAND FOR DELETION OF FRAUDULENT AND UNAUTHORIZED ACCOUNTS PURSUANT TO FCRA, GLBA, AND FDCPA To Whom It May Concern, I am issuing this URGENT FINAL DEMAND for the immediate and permanent deletion of multiple fraudulent and unauthorized accounts from my credit file, as required under the Fair Credit Reporting Act ( FCRA ) Sections 605B ( 15 U.S.C. 1681c-2 ) and 1681i ( a ) ( 5 ) ; the Gramm-Leach-Bliley Act ( GLBA ) Section 502 ( 15 U.S.C. 6802 ) ; and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). These accounts were the result of unauthorized activity stemming from identity theft and/or data breaches. You are legally obligated to DELETE THESE ACCOUNTS IMMEDIATELY. Failure to act within the statutory deadlines will result in formal complaints and legal action. 

Under FCRA Section 605B, any account resulting from identity theft or unauthorized use must be blocked within four ( 4 ) business days of receipt of a consumers written request with proper identity documentation. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), if an item can not be verified with reliable evidence, it must be permanently deleted. These accounts meet both criteria.

The GLBA Section 502 prohibits the disclosure or use of nonpublic personal information without my express consent, which I never provided. Continuing to report these fraudulent accounts also violates FDCPA Section 1692e, which prohibits any false or misleading representation of a consumer debt. 

The accounts to be permanently deleted from my credit file are : XXXX XXXX Account Number : XXXX Status : Fraudulent/Unauthorized Compromised in Data Breach XXXX  Account Number : XXXX Status : Fraudulent/Unauthorized Compromised in Data Breach XXXX XXXX Account Number : XXXX Status : Fraudulent/Unauthorized Compromised in Data Breach I demand that these accounts be blocked within four ( 4 ) business days under FCRA 605B, and permanently deleted from my credit file within thirty ( 30 ) days as outlined in FCRA Section 611 ( 15 U.S.C. 1681i ). I have included a copy of my valid identification to verify my identity as required by law. 

Please confirm in writing that all three accounts listed above have been removed from my credit file. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential legal proceedings under the aforementioned federal statutes. 

Thank you for your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Subject : Formal FCRA Dispute Escalation Improper Reinvestigation, Method of Verification Demand, and Continued Reporting of Inaccurate/Fraudulent Items ________________________________________ Summary of the Issue : I am filing this complaint to escalate an ongoing Fair Credit Reporting Act ( FCRA ) dispute involving all three major credit reporting agenciesEquifax, TransUnion, and Experian. Despite submitting multiple disputes and supporting documents, these agencies have : 1. Failed to conduct a reasonable reinvestigation of disputed information.

2. Failed to provide a legally required Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ), 15 U.S.C. 1681i ( a ) ( 7 ).

3. Continued to report fraudulent and inaccurate personal and account information, despite valid proof of identity theft.

________________________________________ Details of the Dispute : I submitted formal disputes to Equifax, TransUnion, and Experian on the following dates : o XX/XX/year> o XX/XX/year> o XX/XX/year> o XX/XX/year> I received template responses on XX/XX/year>, XX/XX/year>, and XX/XX/year> that failed to provide specific MOV details. 
I provided the agencies with : o FTC Identity Theft Report o Police report ( case number withheld for privacy ) o Proof of identity and address Despite this, the agencies did not block fraudulent information as required under FCRA 605B ( 15 U.S.C. 1681c-2 ).

The bankruptcy and multiple unauthorized accounts remain on my report.

My personal information, including name variations, outdated addresses, and phone numbers, has not been properly updated or removed.

________________________________________ FCRA Violations : 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation.

611 ( a ) ( 7 ) Failure to provide Method of Verification.

607 ( b ) Failure to ensure maximum possible accuracy.

605B Failure to block fraudulent information upon valid request.

1681s-2 Furnishers failed to report accurate information.

1681b ( g ) Failure to safeguard consumer data.

________________________________________

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

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 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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.

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: IN

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 explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/year>, I filed a police report after discovering my identity had been stolen. The report was officially approved on XX/XX/year> ( Case # XXXX ). I followed all required steps, including alerting financial institutions and credit bureaus. 

Despite this, Citibank pulled my credit twice without my authorization once on XX/XX/year>, and again on XX/XX/year>, as shown on my credit report. I did not apply for new credit or authorize any credit check on those dates. 

Immediately after these pulls, Citi closed my account without warning. I have never missed a payment on this account and had no reason to believe it was at risk. I discovered the closure when I attempted to use the card on XX/XX/XXXX the same day my wife gave birth  leaving me without any access to funds at a critical moment. 

Citis actions were taken without cause, without notice, and despite my proper identity theft filing. The unauthorized inquiries have also impacted my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I received three debt collection letters in the mail from PayPal. I called PayPal and was told they could not give me any information because the emails I have did not match their account. They stated only my name and address matched. The first letter {$72.00} was a transaction with XXXX XXXX XXXX XXXX completed on XXXX XXXX. I do not have any business with this company. The second letter was XXXX XXXX XXXX XXXX  ( failed ACH ) {$72.00} dated XX/XX/year>. The third letter was failed ACH {$97.00} on XX/XX/year>. 

The three emails associated with this complaint are XXXX, XXXX and XXXX. I am unfamiliar with these addresses. 

Per PayPal the first account was created on XX/XX/year>. The second and third account were created in XX/XX/year>. The XX/XX/year> account for XXXX has an Email address of XXXX. This email is unknown to me. 

I have never bought anything at XXXX I am not aware of any PayPal account that I have used. This is fraudulent activity. I have tried to resolve this with Paypal and XXXX XXXX XXXX with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TN

Complaint narrative:
This letter is to formally dispute the inaccurate reporting of late payments on an account that has always been paid on time and in full, as agreed. The way this account is currently being reported is not only incorrect, but it also violates federal law specifically 15 U.S.C. 1666b, which governs timely payments and crediting of consumer accounts. 

Let me make this absolutely clear : I have never been late on this account. Every payment has been made within the time allowed under the Truth in Lending Act, and I have documentation to back that up. Yet your reporting system is reflecting missed or late payments that simply never occurred. That is a billing error, plain and simple, and it must be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am disputing a negative auto loan tradeline reported by Ally Financial, which is showing as charge-off/collection and marked with derogatory codes such as voluntary surrender or repossession. 

I was not given a full breakdown of the deficiency balance or any documentation proving the alleged debt was calculated fairly. The account is continuing to report a derogatory status without proper supporting records. 

This violates the Fair Credit Reporting Act ( FCRA ) 611 and 623, which require all reported information to be complete, accurate, and verifiable. 

If Ally can not provide a copy of the original contract, payment history, the repossession or surrender agreement, and a final accounting of the sale of the vehicle, this item must be permanently deleted. 

I am requesting the CFPB investigate this item for potential illegal or inaccurate reporting, and enforce proper deletion if no verification is received

Company response to consumer: Closed with explanation