vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
This company Exeter Finance is in violation of Missouri do not call laws. They use their automated systems to make calls to my number outside of normal business hours. In the last 30 days they have called XXXX times ( call records ) can be provided upon request. It is a big law violation and Exeter finance can be sued for this by Missouri attorney generals office. If further calls are made to my number I will seek legal action against Exeter Finance with accordance of Missouri Do Not Call Law. 

Number in question is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IN

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 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 2025-12-15 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: IN

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 non-monetary relief
Consumer complaint received 2025-12-15 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:
These accounts are not mine, and I request they be removed within 15 days according to the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: CA

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureaus failed to provide full documentation under Section 609 of the FCRA. No signed agreements or billing logs were shared. This constitutes unverifiable information. 

XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not associated with these accounts and request their deletion within 15 days pursuant to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
The purpose of this complaint is to address inaccurate and unverified information reported on my credit report by various credit bureaus. Despite previous disputes, the information remains incorrect and negatively impacts my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ), 1681i, and 1681s-2, credit reporting agencies and furnishers are required to ensure the accuracy and integrity of the information they report. However, there has been a failure to uphold these obligations, resulting in significant harm to my creditworthiness. 
The presence of incorrect data, such as duplicate derogatory accounts and unverifiable debts, has led to loan denials, higher interest rates, and undue stress. I seek rectification of these issues to restore my financial standing. 
Disputed Accounts XXXX XXXX Account # : XXXX ( TransUnion, Experian, Equifax ) Issue : Duplicate derogatories and unverifiable debt. 
Violation ( s ) : FCRA 1681e ( b ), 1681i - Failure to ensure maximum possible accuracy and failure to reinvestigate disputed information. 
XXXX Account # : XXXX ( TransUnion, Experian, Equifax ) Issue : Duplicate derogatories and incorrect status reporting. 
Violation ( s ) : FCRA 1681e ( b ), 1681i - Failure to ensure maximum possible accuracy and failure to reinvestigate disputed information. 
Hard Inquiry Disputes XXXXXXXX XXXXXXXX Date of inquiry : XXXX Bureau ( s ) reporting it : Experian Issue : Unauthorized inquiry. 
Legal Reference : FCRA 604 - Permissible purposes of consumer reports. 
XXXX  # XXXX Date of inquiry : XXXX XXXX ( s ) reporting it : Equifax Issue : Unauthorized inquiry.

Legal Reference : FCRA 604 - Permissible purposes of consumer reports. 
XXXXXXXX XXXX XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : Experian Issue : Unauthorized inquiry. 
Legal Reference : FCRA 604 - Permissible purposes of consumer reports. 
Personal Info Discrepancies Incorrect names, DOBs, addresses. 
Correct version : XXXXXXXX XXXX XXXXXXXX, XXXX : XXXX, Address : XXXX XXXX XXXX, XXXX, TX, XXXX. 
Cite FCRA 1681e ( b ) for inaccurate personal info reporting.

Legal Basis FCR

A 1681i, 1681s-2, 1681e ( b ).

Metro 2 guidelines - Industry standard for data formatting.

Consumer Harm The errors on my credit report have resulted in loan denials, higher interest rates on approved loans, and have caused significant financial stress. This has also impacted my ability to secure housing and employment opportunities.

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 2025-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: NC

Complaint narrative:
Tek collect stated in a prior CFPB response My Account was placed in dispute and that it will be mailed to me. The only documents I received were completely blank pages with no identifying information no account number no original creditor no balance breakdown and no proof that I am legally responsible for the alleged debt sending blank pages does not me the debt validation requirements on the fair debt collection practice act despite feeling to provide lawful validation Tek collect continuous to report this account. Im requesting immediate deletion of this account from all credit reporting agencies and confirmation that all collection activities has ceased.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
Re : Request for Debt Validation Account Number : [ Account Number as listed on your credit report ] Dear Sir or Madam, This letter is sent in response to your reporting and/or communication regarding the above-referenced account. This is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

I dispute this debt in its entirety and request that you provide proper validation, including but not limited to the following : The name and address of the original creditor ; The date the debt was incurred and the date of default ; A complete itemization of the amount claimed, including principal, interest, fees, and any other charges ; A copy of the original contract, agreement, or application bearing my signature ; Proof that you are legally authorized to collect this debt, including a copy of the assignment or bill of sale ; Documentation showing that the statute of limitations has not expired ; Proof that you have the authority to report this account to consumer reporting agencies. 

During the validation process, you are required to cease all collection activities, including reporting or verifying this account with any consumer reporting agency, until such validation is provided. 

If you are unable to provide the requested validation, you must cease collection efforts and request deletion of this account from all consumer reporting agencies to which it has been reported.

Please note that this request is not a refusal to pay, but a request for verification as permitted by law. Any failure to comply may constitute violations of the FDCPA and FCRA and may result in formal complaints or legal action.

I expect your response within 30 days of receipt of this letter. 

Sincerely, [ Your Full Name ] [ Signature, if mailing ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: DC

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 
I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-15 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: NY

Complaint narrative:
In XX/XX/year>, I found something extremely alarming someone has been using my name to open a fraudulent account without my knowledge. This fraudulent account was absolutely not authorized by me at any time, and Im deeply worried because this is clearly a case of identity theft. Im asking and expecting that you take immediate action to remove and block this unauthorized fraudulent account from my credit report. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 filing this complaint due to inaccurate, incomplete, and unverified information being reported on my Equifax credit report. These accounts continue to appear despite prior disputes and without evidence of a lawful and reasonable investigation, in violation of the Fair Credit Reporting Act. 

Charged-Off Accounts in Dispute ( Equifax ) XXXX XXXX  Account # XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX  Account XXXX XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX  XXXX Account XXXX XXXX ( Opened XX/XX/XXXX, Balance {$3400.00} ) XXXX XXXX XXXX Account # XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX  XXXX Account XXXX XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX Account XXXX XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX Account XXXX XXXX ( Opened XX/XX/XXXX, Balance {$0.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I sent money through XXXX to an individual to pay for pizza. I never received the goods. After the transaction, the individual blocked my phone number and all other forms of contact, making it impossible to resolve the issue directly. Although I attempted to dispute the transaction through XXXX, I was informed that XXXX would not allow a dispute and instructed me to contact the recipient. I have already attempted to do so, but the recipient has blocked me. As a result, I am unable to recover my funds despite paying for goods that were never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
Would you mind reviewing this entry? Its late and might have errors.

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 2025-12-15 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: AZ

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 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This XXXX XXXX account has been paid in full, and the creditor has confirmed the paid status in writing. 

However, this account is being reported inconsistently across the credit bureaus. 
Equifax does not report any derogatory or delinquent payment history for this account, while Experian and TransUnion continue to report derogatory information for the same account. 

I previously disputed this information, and although the account was marked as updated, the derogatory reporting was not corrected and remains inaccurate. 

As currently reported, this information is incomplete, inconsistent, and misleading, and therefore inaccurate under the Fair Credit Reporting Act.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I currently bank with Wells Fargo whole at work I had items stolen ( identifications, phone, other personal information was in my purse ) while at work I was due to get a paycheck on XX/XX/XXXX in give I noticed my account was negative but Wells Fargo advised me to wait because my funds was pending still my out remain negative and I could see transactions on the account my job would not allow me to view cameras of who took my items which I explained I was given a provisional credit in which they recently reversed causing my account to go back in negative upon calling I was told that I could not get a second review and my claim could not be reopened because the y determined the transactions to be authorized but had they pulled camera footage they would see it as not me it was no one I authorized my job informed me to get an attorney but I can not afford that at the moment XXXX a single mother of XXXX I left an abusive relationship so XXXX just now getting on my feet i have evidence where I had to purchase new phones and identifications as well as a statement from my employer and they refuse to review this 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