vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-22 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The current Collection Company obtain forged documents from the prior Collection company, and unverified debt which contains inaccurate and potentially fraudulent information. on XX/XX/year>. Account XXXX or XXXX The current collecting company name and address is Portfolio Recovery Associates , LLC. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, California, XXXX and PRA Receivables Management is the servicing agent for Portfolio Recovery Associates , LLC XXXX there address is XXXX XXXX XXXX, XXXX, VA XXXX. 
The prior collection company name and address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX I received a copy of a supposed agreement from said company PRA Receivables Management servicing agent for Portfolio Recovery Assocaites LLC. on XX/XX/year>. 
which contains a forged or fabricated signature, and this is not mine. This is not the original contract, and therefore, your current attempts to collect and/or report this debt may violate the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
The current Collection Company obtain forged documents from the prior Collection company, and unverified debt which contains inaccurate and potentially fraudulent information. on XX/XX/2024. Account XXXX or XXXX The current collecting company name and address is XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, California, XXXX and XXXX XXXX XXXX XXXX the servicing agent for XXXX XXXX XXXX XXXX XXXX XXXX there address is XXXX XXXX XXXX, XXXX, VA XXXX. 
The prior collection company name and address is Exeter Finance , LLC . XXXX XXXXXXXX XXXX, TX XXXX I received a copy of a supposed agreement from said company XXXX XXXX XXXX servicing agent for XXXX XXXX XXXX XXXX. on XX/XX/2024. 
which contains a forged or fabricated signature, and this is not mine. This is not the original contract, and therefore, your current attempts to collect and/or report this debt may violate the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} INQUIRIES : XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-07-22 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: MI

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 TILA US Code 1666B 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hunt & Henriques
State: CA

Complaint narrative:
On XX/XX/year>, I received a written email from XXXX XXXX at Hunt & Henriques stating the following : We are representing XXXX XXXX XXXX  in this action and do not purchase debt for any price. 

This directly contradicts previous statements made by Hunt & Henriques own representatives in court filings, as well as XXXX XXXX  phone system, which confirms the account is no longer owned by XXXX XXXX and routes callers directly to Hunt & Henriques. If Hunt & Henriques truly does not own the debt, they would not have standing to sue me or demand payment, and XXXX XXXX would not be referring account holders to them as the current owner. 

This written contradiction is my third example of false or misleading statements made by this firm. I believe they are willfully misrepresenting their authority to collect on this debt while actively filing legal claims and settlement offers under false pretenses. 

This violates the Fair Debt Collection Practices Act ( FDCPA ) and raises serious questions about deceptive practices, chain of title, and abuse of the legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MD

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I have previously disputed 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 explanation
Consumer complaint received 2025-07-22 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:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 * Fraudulent Account -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I previously filed a dispute requesting the removal of a closed XXXX XXXXXXXX XXXX account that is still reporting derogatory status on my Equifax credit file. Although Equifax responded that the account has been updated, they did not remove the negative history, which continues to affect my credit score.

Under FCRA 611 and 1681i ( a ) ( 5 ) ( A ), information that can not be fully verified or remains misleading must be deleted. I am not disputing valid debts, but I am challenging the continued publication of outdated and damaging information on a closed account that has been settled. Updating historical fields does not resolve the harm this account causes. 

I respectfully request the CFPBs assistance in enforcing proper compliance with the FCRA, and in ensuring the full removal of this account from my Equifax file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX XXXX / XXXX  XXXX XXXX / XXXX XXXX / XXXX XXXXXXXX / XXXX XXXX XXXX / XXXX  XXXX / XXXX  XXXX XXXX / XXXX  XXXX / XXXX XXXX XXXXXXXX / XXXX XXXX The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XXXX XX/XX/XXXX / XXXX XXXX  XX/XX/XXXX / XXXX XXXX  XX/XX/XXXX / XXXX  XX/XX/XXXX / XXXX XXXX  XX/XX/XXXX / XXXX XXXX XXXXXX/XX/XXXX / XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XX/XX/XXXX / XXXX  XXXX XX/XX/XXXX. 

Please correct and update the late payments on my credit report. XXXX XXXX XXXX / XXXX XXXX  XXXX / XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center XXXX XXXX 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 TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$770.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
Ive contacted this credit bureau regarding in accurate reporting requesting proof and documentation regarding the discprencies on my credit report hindering me from obtaining credit and moving due to the false information Ive been denied applications as un worthy. My credit has been damaging and deminishing especially since these reported accounts are 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 2025-07-22 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX and XXXX XXXX {$420.00}

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 explanation
Consumer complaint received 2025-07-22 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
I am writing to formally dispute the inaccurate and misleading information reported on my TransUnion credit report dated XX/XX/year>. The account in question is : Creditor : XXXX XXXX XXXX  Status : Derogatory Comment : Settled less than full balance Account number ( last XXXX digits ) : XXXX This information is incorrect and must be rectified. The account was paid in full through an insurance claim after a total loss vehicle accident for which I was not at fault. My auto insurance provider paid the majority of the outstanding loan balance, and the remaining amount was covered by a XXXX insurance policy. At no point did I enter into any settlement agreement or arrangement to pay less than the full balance owed. 

Therefore, the remark Settled less than full balance and the Derogatory status are inaccurate and misleading, and they are negatively impacting my XXXX XXXX. This report violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and complete. 

Requested Action : I request that TransUnion conduct a reinvestigation of this account and take XXXX of the following corrective actions : Remove the Settled less than full balance remark Change the account status to XXXX XXXX XXXX XXXX XXXX XXXX as XXXX Remove the Derogatory label from the account Please confirm in writing the results of your reinvestigation and provide me with an updated copy of my credit report once the correction has been made. 

I attached my history payment of XXXX, the XXXX of letter of XXXX, and 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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX for XXXX XXXX XXXX Fraudulent/Unfulfilled Transaction I am reporting a XXXX transaction XXXX which I was misled and scammed out of payment for a service that was never fully rendered. 

On XX/XX/year>, I sent a payment of XXXX usd via XXXX through my Chase account to my stylist for a hair service that she advertised. 

The stylist : Agreed to braid my hair in a specific style that I showed her in reference photos. 
Was paid upfront via XXXX before the service started, at her request. 
Then proceeded to braid only half of my hair, left the work undone, and left me to finish it myself even though I dont know how to braid. 
The result was nothing like what was discussed and was completely unprofessional. 
She then ghosted me after I asked her to correct it. 

I immediately contacted Chase to dispute the charge as an unauthorized or fraudulent service, since the payment was made under false pretenses. However, I was told that because I sent the XXXX payment willingly, it could not be reversed even though I received no service of equal value to what was paid. 

This is not buyers remorse. This is a clear-cut case of a service not rendered in full, and the stylist used XXXX as XXXX tool to commit fraud. Due to the reversal of this claim they have overdrafted my account by XXXX dollars, which is uncalled for and completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AUTO FINANCE USA, LLC
State: OK

Complaint narrative:
I am disputing a {$10000.00} charge reported by my auto finance company after I voluntarily surrendered a XXXX XXXX XXXX due to a serious engine defect that was not properly addressed under the warranty. 

Details : In XXXX, I purchased a XXXX XXXX XXXX with a bumper-to-bumper warranty. In Fall of XXXX, the vehicle began leaking oil and emitting smoke from the exhaust. I brought the car to the dealership 's repair department multiple times, and each time they told me nothing was wrong. In XX/XX/XXXX ( on the third visit ), the dealership finally confirmed there was a crack in the engine that required full replacement. 

Despite the vehicle still being under warranty, the dealership stated only {$3000.00} would be covered, and I would be responsible for the remaining {$7500.00}. I contested this decision, as the warranty should have covered the issue in full, and the delay in diagnosis made the situation worse. 

The car became inoperable. I informed the finance company of the situation and asked for assistanceeither to pause payments, restructure the loan, or explore other options. They refused to work with me. I also offered to return the car and get into another vehicle since I still needed transportation. That was also denied. 

Eventually, I had no choice but to surrender the vehicle voluntarily. The car was auctioned off, but I am now being told I still owe {$10000.00}. This balance was inflated due to a denied warranty claim, a misdiagnosed mechanical failure, and lack of support from the finance company despite repeated good-faith efforts on my part. 

I am requesting : An investigation into the finance companys conduct. 

A full review of the warranty denial. 

That the {$10000.00} balance be reviewed for potential removal or reduction based on failure to honor warranty protections. 

That the negative credit reporting be paused or removed during this investigation. 

I have documentation of all service visits, warranty terms, communications with both the dealer and finance company, and surrender paperwork. I am also consulting a consumer protection attorney if this can not be resolved through this complaint. 

Thank you for your time and attention.

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