vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-02 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
XX/XX/year> I sent my husband XXXX transactions on PayPal. XXXX for {$200.00} and XXXX for {$300.00} so we could have pull cash out. The first transaction went through but the second did not and now PayPal has closed his account and is holding the money for XXXX  days just in case of disputes. It will not allow me to request the money back or release the funds any sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-02 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: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-02 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 writing to demand the immediate deletion of an account that appears on my credit report which was opened and used fraudulently and without my authorization. This is a clear case of identity theft, and I will not accept responsibility for any activity, balances, or consequences tied to this illegitimate account.

Let me be very clear : I did not open this account. I did not authorize its use. It does not belong to me, and it should never have been associated with my name, Social Security number, or credit file in the first place. Its presence on my report is not only inaccurate but harmful and entirely unjustified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX USC XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Axela Technologies, Inc
State: CA

Complaint narrative:
XX/XX/year> {$14000.00} Now {$25000.00} We had reached an agreement of XXXX per month and they were not going to charge me interest. I have sent the stipulated payments, I have the receipts and now they say that I have not paid, they have raised the interest.

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 2025-07-02 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: TX

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I have disputed this and Avant has changed their reporting of XXXX  days late in XXXX, XXXX, XXXX, XXXX all in correctly. I was given a new payment date and all interest as removed, I was given a new payment amount and made it before the date asked, I was never over XXXX  days past due. Avant has changed this from XXXX days late in all the months listed above back to no missed payments every time. Your department has been part of these corrections several times. These are FCRA violations every time. Even in the last response it shows there was never XXXX  days without a payment period. I am sick and tired of having to hold this companies hand and do their job with no compensation. XXXX times I have had to file disputes to correct Avant employees mistakes. There is obviously an issue with their auto system because anytime XXXX dispute anything, they change XXXX of the listed months to a XXXX  day late status it has been XXXX most frequently. My XXXX score dropped XXXX points due to their and another banks false re-exporting g of late payments. I have never been late ever period. FCRA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified several accounts and remarks that are inaccurately reported or unfairly affecting my credit profile. I would like the CFPBs support in reviewing and initiating investigations into the following concerns : * * XXXX XXXX XXXX ( Account ending XXXX and XXXX ) These accounts were closed years ago but are still reporting a balance and/or negative remarks, including " Account Closed by Credit Grantor. '' I am requesting a full deletion or updated status to closed paid in full, consumer requested if no balance is owed. 

* XXXX XXXX XXXX ( Account ending XXXX ) Similarly, this account is reporting as closed by the credit grantor but with a balance. The account should reflect XXXX balance or be removed if it was paid in full at closing. 

* * XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX ) These accounts reflect charge or " closed '' status with a {$0.00} balance for an extended period and are more than XXXX XXXX XXXX in terms of delinquency. These should be removed under FCRA guidelines. 

Multiple Closed or Paid Accounts Several XXXX  and XXXX XXXX XXXX XXXX accounts are marked as paid and closed or closed with {$0.00} balance, yet still remain on my report with remarks that may impact my creditworthiness. These accounts should either be removed or updated with neutral or positive remarks. 

Request to Remove Outdated Delinquency Notations A few accounts ( e.g., XXXX and XXXX ) have old delinquency records older than XXXX XXXX which should be removed under the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ).

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 2025-07-02 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: AL

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are XXXX  my ability to obtain credit.

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 2025-07-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Now I see this same XXXX XXXX account number XXXX showin up on my Equifax too, I been disputin this since back in XX/XX/year> with the other bureaus and I just found out Equifax got it too, and they aint done nothin either, all these bureaus just stallin me and I keep XXXX all my info and letters but no help at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

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 XXXX ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY XXXX  MY CREDIT PROFILE. THIS ACCOUNT WAS XXXX XXXX XXXX AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), XXXX XXXX CODE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company 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 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I purchased a SUV from XXXX and American Credit Acceptance ( ACA ) was the lender. On that day the lender received a check from my private trust account for the vehicle. Once all the documents were accepted, I endorsed my paper and sent the needed documentation to complete the transaction. The documents were mailed to there XXXX XXXX XXXX  XXXX via registered mail to the main office. The mailed was signed for on XX/XX/XXXX and my documentation was supposed to be mailed back to me in XXXX XXXX. The documents consist of the XXXX XXXX, 1099 's on the account, cusp number as well as the check. I also sent a letter to there legal department removing American Credit Acceptance over the vehicle which was also received on XX/XX/XXXX. In stead of them updating the file accordingly, I woke up to my vehicle being stolen on XXXX XXXX by ACA. They set and order to repossessed the SUV but the contract says that we would have to go to mandatory arbitration before any actions can be taken and they would have to mail me documentation before they can pick up the car. What they did violate my consumer rights as well as the legal document that was signed by a notary removing their authority that was received on XX/XX/XXXX. They have failed to obey the laws in the contract as well as the document I sent that was notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
There is an amount of {$370.00} on my collections report that isnt supposed to be on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX Fraudulent Inquiries : XXXX  XXXX BANK NA - XX/XX/XXXX Incorrect Names : Incorrect Name - XXXX XXXX  XXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, SC, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NC, XXXX EMPLOYER - XXXX XXXX INSURANCE Incorrect Addresses : Incorrect Name - XXXX XX/XX/XXXXXXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, SC, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NC, XXXX EMPLOYER - XXXX XXXX INSURANCE These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-02 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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