vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter XXXX XXXX is reporting a CLOSED auto loan as if it is actively updating each month. 
There has been no legitimate account activity, yet the date reported and monthly updates continue. 
I previously disputed this account with the credit bureaus electronically, and it was verified without disclosure of how monthly reporting on a closed account is justified. 
This reporting is inaccurate, misleading, and violates FCRA requirements for maximum possible accuracy. 
I am requesting deletion of this tradeline or documented proof explaining the basis for monthly reporting on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
Was told that my loan would be discharged twice this year & that I needed to do nothing or make any payments. It wasnt done cant get any information from loan holder, and its on credit report & im getting notified to start making payments.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-28 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported by the credit bureaus regarding my credit report. Below are the accounts that are being disputed : Inquiries : XXXX, XX/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 explanation
Consumer complaint received 2025-12-28 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 am a consumer attempting to correct inaccuracies in my Experian credit report. The following items are being disputed : Previous Addresses : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Charged Off Accounts : XXXX. XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$550.00} XXXX XXXXXXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$810.00} XXXX  Account ending XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$150.00} Inquiries : XXXX XXXX XXXX  XX/XX/XXXX I am requesting that Experian investigate these accounts and correct any inaccurate information.

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 2025-12-28 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: FL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9900.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Inquiries : I am disputing the following inquiries across the bureaus : No inquiries listed for XXXX  and XXXX. 

Late Payments : I am disputing the following late payment entries across all bureaus : XXXX XXXX  Account Number : 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 2025-12-28 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: TX

Complaint narrative:
I am writing to request a full reinvestigation of the information currently reporting on my Experian credit report. 

Charged-Off Accounts : Please verify or delete any charged-off accounts that can not be substantiated with complete records from the original creditor. 

Inquiries : The following inquiry appears unauthorized : SBA Dated XXXX Please delete it unless Experian can provide documented authorization under my name. 

Late Payments : I request verification of all reported late payments. Any that can not be verified must be deleted in accordance with FCRA 611. 

Positive Accounts : Please ensure that all of the following positive and accurate accounts remain on file and are not altered during your reinvestigation : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 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 2025-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I vacated the apartment on XX/XX/year>, and surrender my keys which management excepted. I signed Moved out paperwork in person and notified the office in writing .. management later admitted the issue was a missing date on the form despite excepting possession of the unit and additional month was charged due to their administrative error. The debt is invalid. They charge me for the entire month of XXXX. When camera footage has shown me surrendering over my keys XX/XX/XXXX. The amount is wrong, invalid and completely violation when Ive went to the leasing office several times to have them correct the issue, but they did not want to do it because they knew that the error was on their part. 
I have a voice memo of me, and the property management entire conversation, and she said that she would help to resolve this issue, but never did

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: SC

Complaint narrative:
I am writing to dispute certain entries on my credit report, dated XX/XX/XXXX. Below are the accounts in question, which I believe are reporting inaccuracies. I am requesting a thorough investigation under the Fair Credit Reporting Act ( FCRA ). 
1. Account : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX This account is being reported with inaccurate information. I request that you review and correct the details or remove the account if it is not accurately reported. 
2. Account : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX The status of this account, including the late payment reporting, is incorrect. Please investigate and correct the reporting.

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 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
To Whom It May Concern, This letter serves as a formal notice of dispute, demand for corrective action, and documentation of merchant non-compliance regarding a balance and negative credit reporting associated with alleged dental services financed through Comenity Bank for XXXX XXXX ( XXXX, Florida ). 
SUMMARY OF FACTS I did not receive any dental services from XXXX XXXX. No procedures were performed, no appointments were completed, and no services of any kind were rendered. 
On XX/XX/year>, XXXX XXXX confirmed in writing that the services were canceled and that a full refund would be issued back to the financing institution within up to 30 business days.

More than 90 days have elapsed, and the refund has not been received by Comenity Bank. 
On XX/XX/year>, I contacted XXXX XXXX  again requesting confirmation of the refund status. XXXX XXXX has failed to respond. 
Despite documented notice of this unresolved merchant refund, Comenity Bank continues collection activity and reports late payments, causing ongoing harm to my credit. 
FORMAL DISPUTE & NON-LIABILITY NOTICE I dispute this balance in full. I am not financially responsible for a balance tied to services that were never rendered and that the merchant has acknowledged must be refunded. 
DEMANDS FOR CORRECTIVE ACTION For XXXX XXXX : Immediately issue the full refund to Comenity Bank Provide written confirmation of the refund transaction Notify Comenity Bank of merchant liability For Comenity Bank : Immediately suspend all collection activity Cease reporting late payments related to this disputed balance Correct or remove any negative credit reporting already posted Confirm the account is under active dispute review For Credit Reporting Agencies : Investigate this dispute pursuant to the Fair Credit Reporting Act Suppress or correct inaccurate reporting during investigation NOTICE OF ESCALATION If prompt corrective action is not taken, I am prepared to pursue all available regulatory and legal remedies.

Please provide written confirmation of resolution or investigative action within 10 business days. 
Sincerely, XXXX XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
have not received any signed contract, original agreement, or proof of the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA 809 ), you must provide full validation before further collection. Until then, delete this account from any credit reporting. Also, under FDCPA 805 ( a ) ( 1 ), you are prohibited from calling before XXXX or after XXXX. Cease all phone calls immediatelycommunicate only in writing. Failure to comply will result in complaints filed with the CFPB, FTC, and Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
I am disputing the following accounts reported by Equifax as they contain inaccurate or incomplete information that needs to be addressed. 

Disputed Accounts : XXXX  XXXX, XXXX, XX/XX/XXXX, {$590.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
To whom it may concern at Experian, I am disputing the following accounts and inquiries on my credit report. These entries are either incorrect or incomplete, and I request they be thoroughly investigated. 

Disputed Accounts : Charged Off 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 XXXX XXXX XXXX XXXX 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 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 2025-12-28 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: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several accounts reported inaccurately on my credit report. These accounts are inaccurately reported as charged-off, and I believe they do not reflect the correct status, balance, or reporting period. Below, I have listed the accounts in dispute, separated by each bureau. 

Charge Off Accounts XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Reason for Dispute : I dispute the reporting of this account as charged-off. Please provide verification that this account is accurately reported. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason for Dispute : I dispute the reporting of this account as charged-off. Please provide verification that this account is accurately reported. 

XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$82.00} Reason for Dispute : I dispute the reporting of this account as charged-off. Please provide verification that this account is accurately reported. 

XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Reason for Dispute : I dispute the reporting of this account as charged-off. Please provide verification that this account is accurately reported. 

XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} Reason for Dispute : I dispute the reporting of this account as charged-off. Please provide verification that this account is accurately reported. 

XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : I dispute the reporting of this account as charged-off. Please provide verification that this account is accurately reported. 

XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : This account is listed with a {$0.00} balance, and I dispute the reported status as charged-off. Please provide verification of the account status. 

XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} Reason for Dispute : I dispute the reporting of this account as charged-off. Please provide verification that this account is accurately reported. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} Reason for Dispute : I dispute the reporting of this account as charged-off. Please provide verification that this account is accurately reported

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint to dispute inaccuracies and incomplete information reported on my credit report. Below are the details of the accounts in dispute, separated by bureau. I respectfully request that the necessary actions be taken to resolve these issues under the Fair Credit Reporting Act ( FCRA ). 

Charged Off : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX Late Payment : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: LEXISNEXIS
State: VA

Complaint narrative:
I am filing this CFPB Complaint to report 5 separate accounts appearing on my consumer credit report which I do not recognize as reported and which are the result of a data breach. These accounts include : 1. XXXX XXXX on XX/XX/XXXX under the account number XXXX. 
2. XXXX  on XX/XX/XXXX under the account number XXXX. 
3. XXXX XXXX  on XX/XX/XXXX under the account number XXXX. 
4. XXXX  on XX/XX/XXXX under the account number XXXX. 
5. XXXX on XX/XX/XXXX under the account number XXXX. 
These accounts have resulted in several hard inquiries and collections appearing on my consumer credit report. I demand that the aforementioned items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
am submitting this complaint regarding the WebBank/Avant credit card currently reporting on my XXXX Experian, and XXXX  credit reports. 

This account is being reported as open with a balance exceeding the stated credit limit, and the information has been verified through the automated OSCAR system despite my disputes. No documentation has been provided showing a valid permissible purpose for continued reporting as required under 15 U.S.C. 1681b.

Verification through automated OSCAR responses does not satisfy FCRA requirements when accuracy, authorization, and ownership are disputed. Additionally, reporting a balance higher than the credit limit without proper explanation is inconsistent with Metro 2 reporting standards, resulting in misleading and inaccurate credit data.

Further, I have submitted an Identity Theft Report and fraud statement, and a theft/fraud block is currently placed on my credit file pursuant to 15 U.S.C. 1681c-2. Continued reporting of this account without validating documentation violates my rights under the FCRA, as the account is disputed as fraudulent and unauthorized. 

I am requesting CFPB assistance to require : 1. Documented proof of permissible purpose under 15 U.S.C. 1681b 2. A lawful investigation beyond automated OSCAR verification, including original account documentation 3. Deletion of this account if compliance and authorization can not be demonstrated

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: OH

Complaint narrative:
Sharing inaccurate personal information without my consent and not OPT me out

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 2025-12-28 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: NY

Complaint narrative:
I am writing to dispute several items on my credit report that I believe to be inaccurate or incomplete. Below is a detailed account of the items in question, separated by bureau. I respectfully request that these items be investigated, corrected, or removed as appropriate. 

CHARGED OFF XXXX, XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX, XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX LATE PAYMENTS 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 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