vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This correspondence is a formal dispute regarding a fraudulent account reported under my name. I have no connection with this account and never authorized it. Its inclusion is false and damaging to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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 recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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 recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
Transition is reporting inaccurate information. Names, addresses and accounts that are wrong.

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 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: The Receivable Management Services LLC
State: TN

Complaint narrative:
I've told this company so not contact me in the XXXX  of the night, I receive calls at XXXX attempting to collect on a debt for XXXX  XXXX- which I havent had in over 10 years!! This is a false debt and illegal attempt to collect on a debt more than 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 2025-08-21 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading student loan information being reported by XXXX on my credit report. The information being reported does not reflect accurate payment history, loan status, and balance. I have reviewed my credit reports and found errors that include inconsistent reporting dates, duplicate listings, and incorrect delinquency notations. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are obligated to maintain accurate and verifiable information on consumer reports. XXXX is reporting unverifiable and misleading information that is damaging my credit standing. I have not been provided with validation or documentation that supports the accuracy of what is being 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 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
This company has a charge account open in my name with inaccurate information as well as reporting on my credit report that is damaging my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
Subject : Complaint Regarding Exeter Finance False Credit Reporting with XXXX  Dear CFPB, I am submitting this complaint against Exeter Finance LLC for knowingly reporting false and inaccurate information to TransUnion, in direct violation of the Fair Credit Reporting Act ( 15 U.S.C.

1681 et seq. ) and related federal consumer protection laws. 
Summary of the Issue : - My vehicle was repossessed by Exeter Finance. At the time of repossession, the balance reported was approximately {$18000.00}. 
- After selling the vehicle at auction, Exeter Finance reported the balance as {$34000.00}, which exceeds both the deficiency amount and the original loan balance. 
- This reporting is inaccurate, misleading, and has caused significant harm to my creditworthiness. 
Violations of Federal Law : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 Exeter Finance has a duty to report accurate information. Supplying false or inflated balances constitutes a violation of this statute.

2. Fair Credit Reporting Act, 15 U.S.C. 1681i I have the right to dispute inaccurate information.

Exeter Finance and TransUnion must conduct a reasonable investigation into the matter.

3. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e To the extent Exeter Finance is engaging in debt collection, it is unlawful to misrepresent the amount of a debt.

4. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. The inaccurate post-auction reporting suggests Exeter Finance may be engaging in unfair or deceptive loan balance practices.

Requested Resolution : - I request that Exeter Finance immediately correct and update the balance with TransUnion to reflect the accurate deficiency amount after auction.

- I further request the CFPB to investigate Exeter Finance for ongoing violations of federal consumer protection laws.

- I request deletion of this inaccurate tradeline if Exeter Finance can not substantiate the debt with proper documentation. 
This inaccurate reporting has caused significant harm to my credit, making it difficult for me to obtain fair access to credit, housing, and financial opportunities. 
Thank you for your time and assistance in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

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 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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Equifax under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), providing my official FTC Identity Theft Report and requesting the immediate blocking of fraudulent accounts. By law, the agency was required to block the disputed information within four ( 4 ) business days. 
Instead of complying, the bureau simply verified the account using internal data from the furnisher, without providing any written certification, signed contract, or details of the investigation, as required under FCRA 611 ( a ) ( 7 ) and 609 ( a ). 
More than 30 days have passed, and the fraudulent account still remains on my credit file. This constitutes a violation of FCRA 605B, 611, and 607 ( b ), as the agency failed to : Block the information within the required 4-day period.

Provide the results of the reinvestigation and the verification procedures. 
Remove unverifiable information from my report. 
As a result, my credit score remains artificially low, I have been denied credit, I am forced to pay higher interest rates, and I continue to suffer financial and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bounce AI, Inc.
State: KY

Complaint narrative:
On XX/XX/year>, I received the FIRST and ONLY communication from a debt collection company as a text message from an unknown number stating that Bounce Ai was a debt collector and they had a message for me regarding my Happy Money account, see attached. The text did not provide any information regarding the XXXX XXXX account, the amount of the debt owed, the connection between the XXXX companies, how the XXXX companies were related, how this debt collection company had acquired this debt, or how they had obtained my contact information in order to send me a text message. I had no information or knowledge that the XXXX XXXX account was acquired by a debt collector. Therefore, I did not select or open the links of the text messages because I questioned the legitimacy of the messages and feared that they may some form of malware. 

The Fair Debt Collection Practices Act ( FDCPA ) requires that a validation notice be provided by a debt collector when communicating with an individual believed to be the debtor. The information required to be provided by a debt collector in the initial communication or within XXXX days of established communication include : the creditors name, the amount of the debt owed, and that the debt can disputed and how. In violation of the FDCPA, the information required by the validation notice was missing from the text message communication that I received on XX/XX/year>. 

I received a notification from XXXX XXXX on XX/XX/year>, that on XX/XX/year>, my XXXX XXXX had decreased by XXXX points as a result of a collection account being added to my XXXX  credit report. The following information regarding the collection account was provided : Between XX/XX/year> and XX/XX/year>, a new account in collections was added to your report. The collection agency is BOUNCE AI. The original creditor was XXXX XXXX XXXX XXXX XXXX 

The number of days between the initial communication and the collection account being reported to a credit bureau was at most four and at a minimum of one, violating the number of days ( 30 ) that a debtor is afforded to dispute a debt after receiving the validation notice. Furthermore, the debt collector violated the FDCPA when it reported the collection account to the XXXX  credit bureau 1 to 4 days after the XX/XX/year> text message, since the text message did not contain the information required to be included in a validation notice, in the 5 days following the text message a validation notice was not provided nor was there any additional communication or actions that occurred before the collection account was reported, and the required days allotted to dispute a collection had not passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
In late XXXX, a line of credit account was opened in my name with XXXX XXXX  XXXX In XXXX, that account was reported late ( 30 and 60 days past due ), then marked as a collection before being closed and sold to NCB Management Services. 

Now, both XXXX XXXX  and NCB Management Services are reporting this same alleged debt separately on my credit reports. This creates duplicate derogatory reporting for the same obligation, which is misleading, inaccurate, and damaging to my credit profile. 

This violates federal law, including : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) ), which prohibits furnishing inaccurate or duplicative information.

Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e, 1692f, 1692g ), which prohibits deceptive collection practices and requires full validation of a debt.

I have not received proper validation under 1692g, and the continued dual reporting of the same debt is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I submitted a dispute letter to XXXX  on XX/XX/year>, disputing inaccurate reporting. Under the FCRA, they were required to investigate and respond within 30 days. As of today, I have not received any response. They are in violation of FCRA 611 ( a ). I am requesting full removal of the disputed item ( s ) due to lack of response and failure to investigate properly. Attached is the original dispute letter that was sent to XXXX, which further supports my claim. Here is the tracking confirmation of delivery : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
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 2025-08-21 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:
I am writing under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to request the removal of any dispute statements, notes, comments, or remarks associated with the following account ( s ) on my credit report : Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Dispute Note/Comment : Consumer disputes this account meets FCRA requirement

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 2025-08-21 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-21 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 writing to express my strong dissatisfaction regarding the recent issue with my account, specifically concerning settled payments that have not been accurately reflected. FCRA provides clear guidelines regarding the reporting and handling of consumer credit information, and I expect your immediate compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing a fraudulent account listed on my credit file. I did not authorize, open, or maintain this account. Its presence is incorrect and is causing substantial harm to my credit profile.

Company response to consumer: Closed with explanation