vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: WA

Complaint narrative:
I am writing regarding my loan agreement with Opportunity Financial , LLC ( " OppLoans '' ) and to formally demand that you immediately comply with all applicable Washington state laws, including provisions relating to usury and licensing requirements. 

* * Statement of Facts : * * On [ XX/XX/year> ], I entered into a loan agreement with OppLoans in the amount of $ [ XXXX ]. I have since discovered that the interest rate charged on this loan significantly exceeds the maximum permissible rate under Washington law. Moreover, review of Washington 's regulatory database confirms that OppLoans does not hold an active license to operate in the State of Washington. 

* * Legal Basis : * * Under Washington state law, the usury statute set forth in RCW 19.52 limits the maximum interest rate for consumer loans, and any loan subject to an interest rate exceeding this limit is deemed usurious. Additionally, XXXX  XXXX codifies the regulatory requirements for consumer loan operations in Washington, including the necessity of maintaining a valid state license. The failure to adhere to these statutory provisions invalidates the imposition of an interest rate in excess of the lawful amount.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I kindly bring to your attention that the aforementioned data has not been duly certified to comply with XXXX of XXXX established reporting standards. Additionally, it is crucial to acknowledge that this information might be incomplete, outdated, or lacking in support. Therefore, I respectfully request the removal of any inaccurate or unsupported content from my credit report Attached image of my credit report showing inaccuracies such as : incorrect last activity, high credit, date opened, las reported, late payments date also they continue to report as charge off every month. Failing to comply and Violating FCRA LAWS Also attached ID, and proof of addres

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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I kindly bring to your attention that the aforementioned data has not been duly certified to comply with XXXX of XXXX established reporting standards. Additionally, it is crucial to acknowledge that this information might be incomplete, outdated, or lacking in support. Therefore, I respectfully request the removal of any inaccurate or unsupported content from my credit report Attached image of my credit report showing inaccuracies such as : incorrect last activity, high credit, date opened, las reported, late payments date also they continue to report as charge off every month. Failing to comply and Violating FCRA LAWS Also attached ID, and proof of addres

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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX 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 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Request for Investigation and Deletion of Inaccurate Information under 15 U.S.C. 1681c-2 Dear [ TransUnion / Experian / Equifax ] , I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file in relation to the following account : Creditor Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request that you initiate an investigation and correct or remove the following inaccuracies : 1. Date of Last Activity is inconsistent between credit bureaus and must be uniform and accurate.

2. Closed Date differs between bureaus ( reported as XX/XX/XXXX and XX/XX/XXXX ). 
3. Payment Status is not accurately and consistently reportedone agency reports 180 days past due, others report 120 or differently.

4. Creditor Remarks ( Closed at credit grantors request ) is only reported by one bureau but not by others.

5. Delinquency Reporting months ( XXXX XXXX ) show inconsistent day-counts for the same late payments across reports. 

These discrepancies are misleading, potentially damaging to my creditworthiness, and not in compliance with the requirement that all consumer information be accurate and verifiable. 

Please conduct a prompt investigation and remove or correct all inaccurate data associated with this account. If you are unable to verify the accuracy of the information, it must be deleted as required by the FCRA. 

Please send me a written confirmation of the results of your investigation within 30 days, as required by 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 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCED {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCED {$14000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$30.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCED {$3500.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$610.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} 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 XXXXXX/XX/year>

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCED {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCED {$14000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$30.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCED {$3500.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$610.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} 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 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: 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: MA

Complaint narrative:
I am submitting this complaint because fraudulent and unauthorized inquiries have been reported on my consumer credit report as a result of identity theft. These inquiries were not initiated or authorized by me and constitute violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 605B [ 15 U.S.C. 1681c-2 ], which requires the blocking of information resulting from identity theft, and 604 [ 15 U.S.C. 1681b ], which outlines the permissible purposes for accessing a consumer report.

I have contacted the companies responsible for these inquiries and none were able to provide any valid authorization or proof bearing my signature. Furthermore, I submitted a formal request to the credit reporting agency to investigate and remove these fraudulent inquiries. The FCRA mandates that such information be blocked within four ( 4 ) business days of receiving notice, yet these inquiries remain on my file.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/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 2025-06-25 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: OneMain Finance Corporation
State: TX

Complaint narrative:
To Whom It May Concern, I am requesting an immediate investigation and correction under the Fair Credit Billing Act ( 15 U.S. CXXXXe XXXXb ), which states that payments received before the creditors cutoff time on the due date must be credited as timely. I was never late on these accounts, and I believe the reported late payments are inaccurate. 

Accounts in Question : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX OneMain Financial XXXX Grounds for Dispute : I have reason to believe the reported late payments on these accounts are : Inaccurate, and/or In violation of 15 USC XXXXb , as payments were received on time but processed incorrectly. 

The law clearly states : A creditor shall credit a payment to the consumers account as of the date of receipt of the payment, provided it is received before the cutoff time on the due date. 

Despite this, the above creditors have reported my accounts as past due without verifying the actual date and time the payments were received and applied. I have disputed these accounts multiple times through XXXX, and each time the late payments were marked as verified without any supporting documentation or proof of accuracy being provided. This is a clear violation of federal law and has caused unjust harm to my credit profile. 

This ongoing inaccurate reporting is directly affecting my familys livelihood and limiting my ability to provide them with better living conditions and opportunities. These negative marks are unfairly holding us back. Please help me rectify this situation by removing these negative items from my credit report. 

Action Requested : Conduct a full investigation into the reported late payments for each of the accounts listed above. 

Provide documentation showing the actual date and time each payment was received and processed internally. 

If you can not prove the payments were truly late, remove the negative marks from all credit bureaus ( XXXX XXXX and XXXX ). 

If you are unable or unwilling to provide verifiable documentation proving the accuracy of the reported late payments, I demand immediate deletion of these negative entries. 

Sincerely, XXXX XXXX XXXX Last XXXX  of XXXX DoB- XX/XX/year>

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am requesting an immediate investigation and correction under the Fair Credit Billing Act ( 15 U.S. CXXXXe XXXXb ), which states that payments received before the creditors cutoff time on the due date must be credited as timely. I was never late on these accounts, and I believe the reported late payments are inaccurate. 

Accounts in Question : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ally Financial XXXX XXXX XXXX XXXX Grounds for Dispute : I have reason to believe the reported late payments on these accounts are : Inaccurate, and/or In violation of 15 USC XXXXb , as payments were received on time but processed incorrectly. 

The law clearly states : A creditor shall credit a payment to the consumers account as of the date of receipt of the payment, provided it is received before the cutoff time on the due date. 

Despite this, the above creditors have reported my accounts as past due without verifying the actual date and time the payments were received and applied. I have disputed these accounts multiple times through XXXX, and each time the late payments were marked as verified without any supporting documentation or proof of accuracy being provided. This is a clear violation of federal law and has caused unjust harm to my credit profile. 

This ongoing inaccurate reporting is directly affecting my familys livelihood and limiting my ability to provide them with better living conditions and opportunities. These negative marks are unfairly holding us back. Please help me rectify this situation by removing these negative items from my credit report. 

Action Requested : Conduct a full investigation into the reported late payments for each of the accounts listed above. 

Provide documentation showing the actual date and time each payment was received and processed internally. 

If you can not prove the payments were truly late, remove the negative marks from all credit bureaus ( XXXX XXXX and XXXX  ). 

If you are unable or unwilling to provide verifiable documentation proving the accuracy of the reported late payments, I demand immediate deletion of these negative entries. 

Sincerely, XXXX XXXX XXXX Last XXXX of XXXX DoB- XX/XX/year>

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified. 

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b. 

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
I recently discovered that Absolute Recovery Services ( XXXX ) placed a collection account on my XXXX credit report in the amount of {$3000.00}. The alleged debt is supposedly owed to a property called XXXX XXXX Apartments a place I have never lived in, applied to, or even heard of prior to seeing this on my credit profile. 

I have made several good-faith attempts to resolve this matter directly with XXXX. However, each time Ive contacted them by phone, their representatives have been consistently rude, dismissive, and completely unhelpful. They have shown no interest in resolving the issue or investigating my claim of identity confusion or error. 

On XXXX XXXX, 2025, I mailed XXXX a formal debt validation request in accordance with the Fair Debt Collection Practices Act ( XXXX ). According to XXXX tracking, they received my letter on XX/XX/year>2025. I have attached a copy of the certified mail receipt as proof. As of today, I have not received any form of response or documentation from XXXX to validate or prove the legitimacy of this alleged debt. 

: I am requesting the immediate removal of this inaccurate collection account from all credit bureaus, including XXXX, and for Absolute Recovery Services to cease all collection activities related to this alleged debt. This debt is not mine, has never been validated, and is being reported and collected in violation of the FDCPA. 

I would also appreciate the CFPBs assistance in holding XXXX accountable for failing to validate a debt they are actively reporting and collecting, as well as for their unprofessional and non-compliant behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: DC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery continues to call me several times during the day even on Sunday, from different phone numbers. 
For a collection that they failed to provide chain of custody and/or debt validation. I need this account to be removed from my credit report. Not mentioning there are several inaccuracies on the reporting as well including reporting alleged debt as Open status failing to comply with FCRA LAWS

Company response to consumer: Closed with explanation