vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: KY

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX XXXX XXXX. According to the FCRA, XXXX XXXX XXXX are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
- * * Excessive harassment : * * XXXX calls within XXXX XXXX of first late payment - * * Premature repossession threat : * * Sent formal notice threatening to seize vehicle for payment less than XXXX month late - * * Excessive fees : * * {$72.00} late fee on {$480.00} payment ( 15 % penalty ) - * * Aggressive tactics : * * Quick escalation from missed payment to repo threat suggests predatory lending model * * Timeline : * * - Payment due : XX/XX/year> - Repossession notice sent : XX/XX/year> ( only XXXX XXXX  after due date ) - Total amount escalated from {$480.00} to {$550.00} * * Potential Legal Violations : * * - Fair Debt Collection Practices Act ( FDCPA ) - excessive contact frequency - Predatory lending practices targeting poor credit consumers- Disproportionate collection response to minor delinquency * * Bottom Line : * * Exeter Finance appears to be using intimidation tactics and aggressive collection methods designed to facilitate vehicle repossession rather than work with customers, particularly targeting those with poor credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: NC

Complaint narrative:
I sent a letter back in XXXX and never received any paperwork. 
Attached letter in drop below

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
XX/XX/XXXX went to XXXX  and cosigner had vehicle and didn't make any payment and loan company didn't even try to get a payment from cosigner so they repo my car. When I got out of rehab I asked them if they would work out some kind of payment w me getting bk to work n not getting XXXX a week they wouldn't n wouldn't answer why they didn't go after cosigner for any payments. I ha e been struggling to get caught up on payments. XX/XX/XXXX they wouldn't answer my question bout refinancing my loan to get cosigner off loan. XX/XX/XXXX they repoed my car again even w me making some kind of a payment they said it wasn't good enough XXXX XXXX the XXXX of my loan none of my payments were lowering the loan. My XXXX XXXXXXXX XXXX XXXX XXXX value wasn't worth the {$25000.00} they said the car was worth. I got swindled by loan company and car lot in XXXX and none of my payments are going towards my car but their high interest rates and they do harassing phone calls and threaten that they will repo my car any given time even tho I'm making some kind of payment from working less then XXXX at my job

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CO

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate and validate accounts I disputed on my credit report. Specifically, Experian continues to report multiple charge-off and collection accounts that still show a balance due, even though they have been written off.

After disputing these accounts, Experian marked them as " investigation complete, reported by data furnisher '' without providing : Any supporting documentation from the original creditors or debt buyers ; Any written explanation of how the disputes were verified ; Any evidence that a reasonable investigation was conducted.

This lack of transparency and supporting detail violates the Fair Credit Reporting Act ( FCRA ), particularly 611 ( 15 USC 1681i ), which requires consumer reporting agencies to conduct a reasonable reinvestigation and provide consumers with the results. Merely parroting information from the furnisher without validation fails to meet that standard.

Additionally, continuing to report written-off accounts as having a balance may mislead future lenders and violate FCRA 607 ( b ), which requires that credit reports be accurate and not misleading.

I am requesting that the Consumer Financial Protection Bureau take appropriate action to ensure that Experian : Conducts a proper and independent reinvestigation of all disputed accounts ; Provides documentation or verifiable proof of the debts from original creditors or authorized debt owners ; Removes or corrects any unverified or inaccurately reported information from my credit file.

Thank you for your attention to this matter.

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 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Letter XXXX XXXX : LVNV Funding LLC Account Ending in XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Amount : {$500.00} Letter # XXXX : LVNV Funding LLC Account Ending in XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  Amount : {$290.00} Letter # XXXX : LVNV Funding LLC Account Ending in XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  Amount : {$250.00} Letter # XXXX : LVNV Funding LLC Account Ending in XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Amount : {$490.00} Letter # XXXX : LVNV Funding LLC Account Ending in XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Amount : {$600.00} Note : This is a duplicate account number but with a different balance. Mention this in your dispute : I also dispute the presence of duplicate entries for the same account ending in XXXX, with differing balances. This is misleading and inaccurate under 15 U.S.C. 1681e ( b ). Please investigate and remove all unverified or duplicated records. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XX/XX/year> LVNV Funding LLC P.O. XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute and Validation Request Account XXXX XXXXXXXX To Whom It May Concern, I am formally disputing the account referenced above, which is listed as a collection related to a debt allegedly originated by XXXX XXXX XXXX XXXX XXXX  and sold to your agency. 

This debt is not mine. I am a victim of identity theft and I never authorized or opened this account. 

In accordance with the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and Fair Credit Reporting Act ( 15 U.S.C. 1681e ), I demand the following : 1. A copy of the original signed agreement containing my wet signature 2. The complete payment history and itemized statement 3. Documentation showing your legal authority to collect this debt ( chain of assignment ) 4. Any 1099-C cancellation of debt form, if applicable If you can not provide this documentation within 30 days, I request the account be deleted from all credit bureaus and that all collection efforts cease. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 XXXXXXXX XXXX, 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 4 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal 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 ( FTC NUMBER ) 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 2025-07-01 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: OK

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within XXXX XXXX of receiving this request, as required by federal 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 explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
My student loans have been in deferment with the recent law changes and the stand still with the repayment plans I called to make sure my loans would stay in deferment. The lady told me she put my request in because I work in a non profit healthcare I would be considered or I could just do IDR I checked the website by Nelnet and it stated my payments are not due until XX/XX/XXXX or XX/XX/XXXX my payments in my credit are showing missed I even made payments in XXXX XXXX and XX/XX/XXXX because of the inaccuracies. I recently called nelnet again and was told I do not owe any money my loans are in deferment, I also told them my credit report is showing missed payments. The lady could not help me any further I was told to issue a complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, I was in a situation where I was under the control and influence of others, which led to unauthorized financial activity in my name. During this time, several accounts were opened and used without my knowledge or consent. These accounts do not reflect my financial decisions or activity. 

I have filed a police report documenting the situation ( Report # XXXX ) and have provided a self-attestation in accordance with the protections available under the National Defense Authorization Act ( NDAA ). 

I am requesting the removal of all fraudulent and inaccurate information from my credit report in compliance with applicable federal consumer protection laws. Thank you for your time and consideration in addressing this matter.

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 2025-07-01 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: KY

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX FI XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I

am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-01 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 submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-01 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 a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-01 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: KY

Complaint narrative:
b"Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act (FCRA) Section 605b, I have reported the incident to the Federal Trade Commission (FTC) through their website at https://www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B (a), Credit Reporting Agencies are required to investigate any information in the consumer's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.\nItems:\nXXXX XXXX XXXX XXXX  Identifier: XXXX  Federal, XXXX XXXX XXXX XXXX  Identifier: XXXX  Federal, XXXX XXXX XXXX XXXX KY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identifier: XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Identifier:XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by failing to properly handle and remove unauthorized hard inquiries on my credit report. 

Despite my formal dispute submitted to Equifax, which included an FTC Identity Theft Report ( No. XXXX ), a government-issued ID, and proof of address, Equifax has continued to report multiple hard inquiries for which I never gave authorization. 

Under FCRA 1681b ( f ), a credit report may only be accessed with a permissible purpose. These inquiries were conducted without my knowledge or consent and thus do not meet the permissible use standard. Additionally, under FCRA 1681i ( a ), Equifax is required to conduct a reasonable reinvestigation when a dispute is submitted. I have reason to believe Equifax has failed to verify these inquiries properly. 

I also requested under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) that Equifax provide documentation and the procedure used to verify these inquiries, including any signed authorization. To date, they have not provided any such documentation.

This ongoing issue is causing damage to my credit profile and financial standing. I respectfully request that the CFPB investigate Equifaxs failure to comply with federal law and take corrective action to ensure the deletion of these unauthorized hard inquiries from my credit file. 

Thanks for your help

Company response to consumer: Closed with explanation