vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$3000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$26000.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$930.00} UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I am filing a compalint to formally dispute the following inaccurate items on my credit report. The information listed below is not accurate and does not reflect my credit history correctly. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this/these items be investigated and removed from my credit file if found to be unverifiable or inaccurate. 
The accounts I am disputing are 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I am filing a compalint to formally dispute the following inaccurate items on my credit report. The information listed below is not accurate and does not reflect my credit history correctly. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this/these items be investigated and removed from my credit file if found to be unverifiable or inaccurate. 
The accounts I am disputing are 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/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 2025-06-03 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: Lac Courte Oreilles Financial Services II
State: IL

Complaint narrative:
This loan company charged a 678 % interest rate on a loan provided in 2024. The loan in question appears to involve several predatory characteristics such as excessively high interest that exceeds the states limits. According to the Illinois Predatory Lending Prevention Act ( PLPA ), lenders are prohibited from charging interest rates above 36 % APR and must follow transparent and ethical lending standards. I believe this loan violates those standards and am requesting an immediate investigation, explanation, and cancellation or adjustment of the loan to reflect fair and lawful terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This loan company charged a XXXX XXXX interest rate on a loan provided in XXXX. 
The loan in question appears to involve several predatory characteristics such as excessively high interest that exceeds the states limits. 
According to the Illinois Predatory Lending Prevention Act ( PLPA ), lenders are prohibited from charging interest rates above XXXX XXXX XXXX  and must follow transparent and ethical lending standards. I believe this loan violates those standards and am requesting an immediate investigation, explanation, and cancellation or adjustment of the loan to reflect fair and lawful terms.

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 2025-06-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
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 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 explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
The address they have on file is off by one number that is my parents address my address is XXXXXX/XX/XXXXXXXX XXXX they have XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: OK

Complaint narrative:
XXXX has multiple collections on my equifax credit bureau saying they are open accounts and no name of original creditors and I am telling you I have never done business with XXXX  so according to the law they have to remove them and they owe me {$1000.00} per false account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
My account with Macys was paid and closed but they are still reporting late payments, when it was discussed upon completion account will be removed.

Id like to have this account removed per agreement made by paying off acquire amount.

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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MO

Complaint narrative:
I am a long time customer with Discover. My payment was 3 days late and I asked for the {$41.00} late fee to be waived and no one would help me. I do not feel valued as a customer. I also was on a financial hardship program with discover and was not advised that my reduced payments would still result in reported as being late to the credit bureaus and I have 1 late payment reported in 2024 that needs to be removed. I am doing the best I can with making payments to this account. All the high interest and the late payment on my credit report is not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
Im contacting you because theres an account showing on my credit report that does not belong to me. Its clearly been mixed with someone elses information, and I need this taken care of immediately. 

This account has nothing to do with me Ive never opened it, used it, or been connected to it in any way. Its showing up in error, and its completely unfair that my credit is being affected by someone elses activity.

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 2025-06-03 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: CA

Complaint narrative:
Im writing because theres an account showing on my credit report that is currently in pending litigation and it has no place being reported at this time. 

Until the legal matter is fully resolved, this account is considered disputed and inaccurate, and it should not be impacting my credit profile. Reporting it while its still under litigation is not only misleading, its potentially damaging and unfair.

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 2025-06-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. This item remain inaccurately reported : These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. XXXX  faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. These cases highlight the serious consequences of non-compliance with the FCRA. I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items. 2. Delete or correct all inaccurate, incomplete, or unverifiable information. 3. Provide me with a copy of the updated credit report reflecting these changes. 
XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
To whom it may concern, I am submitting this complaint regarding Experian 's failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
The inaccurate accounts in question are as follows : [ XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Experian has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ]. 

I am requesting the following actions from Experian through the CFPB : Conduct a proper and thorough investigation into the accounts I've disputed. 
Provide me with a detailed explanation of the steps they've taken to verify or correct the information. 

Remove any inaccurate or unverifiable information from my credit report immediately. 
I am attaching all relevant documents, including dispute letters, Experian 's responses, and supporting evidence, to this complaint for your review. 
Thank you for your assistance in addressing this matter and ensuring that Experian complies with federal laws to protect consumers like me. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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 am writing to formally address several discrepancies I have identified in my credit report maintained by your bureau. These include inaccurate account information, incorrect listings, erroneous reporting, and billing mistakes.

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 2025-06-03 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: FL

Complaint narrative:
I am writing to formally address several discrepancies I have identified in my credit report maintained by your bureau. These include inaccurate account information, incorrect listings, erroneous reporting, and billing mistakes.

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 2025-06-03 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: TX

Complaint narrative:
According to 15 USC 1692C you have violated my rights by in lawful communications.

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 2025-06-03 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: TN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent account from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the account listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent account from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent account from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the account listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent account from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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 2025-06-03 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: GA

Complaint narrative:
Having always met my payment obligations on time, I find it troubling to see a late payment recorded on my account. This error is causing undue stress, and I urge you to address it immediately by correcting my records.

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 2025-06-03 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: MI

Complaint narrative:
I am filing this complaint to dispute the accuracy and completeness of the payment history being reported for several open accounts on my credit file. Upon reviewing my credit report, I discovered multiple errors that appear to fall under billing errors as outlined in 15 U.S.C. 1666 ( b ) of the Truth in Lending Act. 

I do not recall being late on any of the accounts listed below, and I believe these late payments were either inaccurately reported or are the result of accounting or billing errors. I am requesting a full investigation and correction of these records. 

Applicable Legal Violations The following statutory sections are relevant to this dispute : 15 U.S.C. 1666 ( b ) Billing Error ( 4 ) : Failure to reflect a payment or credit issued to the obligor on a statement ( 5 ) : A computation or accounting error by the creditor In addition, I was not provided with a billing statement at least 21 days prior to the due date, which is a requirement under federal billing practices. Therefore, any reported late payments under these conditions are invalid. 

Accounts in Dispute Late Payment ( Open ) Creditor 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 Relief Requested I am requesting that each creditor and/or the credit reporting agency : Provide documentary evidence that substantiates the reported late payments. 

If such documentation can not be provided, update the accounts to reflect " Paid on Time '' with no delinquencies. 

Remove any related negative notations from my credit report if they can not be verified with proper documentation. 

Additional Action This complaint will also be submitted to the following entities if the matter is not resolved in a timely or lawful manner : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Michigan State Attorney General Conclusion I am requesting a full, good-faith investigation into this matter in accordance with federal law. If you can not verify the accuracy of the payment history with documentation, you are required to remove or correct the inaccurate information. 

I look forward to your response and appreciate your immediate attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief