vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX GA XXXX XXXX XXXXTo Whom it May Concern,\n\nThis letter serves as a formal dispute of the negative accounts currently reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act (15 U.S.C 41681 et seq.) I am requesting that you immediately investigate and verify the accuracy and validity of all negative information listed on my credit report.\n\nIf the accounts in question cant be fully verified, validated and documented with proper evidence as required by the FCRA, they must be deleted promptly. Continued reporting of unverifiable or inaccurate accounts is a direct violation of federal law.\n\nFurthermore, under UCC provision regarding fair dealings and consumer protections, any attempt to collect or report information that cant be substantiated may be considered unlawful.\n\nTherefore, I demand deletion of any negative accounts that fail to meet the legal standard of complete and verifiable accuracy.\n\nPlease provide me with written confirmation of the results of your investigation within 30 days, as required under the FCRA.\n\nSincerely,XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
XXXX paid off my credit card in XXXX before moving to XXXX XXXX Colorado to care for a family member with ongoing XXXX as the POA. We left CA on XX/XX/XXXX and my credit card was paid off. Due to the tremendous amount of things my husband and I had to do to address the medical issues for our aunt with XXXX, hospitalization, various doctor 's appointments, etc., I didn't check my credit card knowing I had paid it off. Then I checked all my credit cards to make my usual monthly payments and noticed Surge credit card maxed out with charges from XXXX California in gas stations, XXXX, XXXX and others and for a moment I thought I had lost my card and someone used it and I immediately called to dispute the charges and replace my card. But I ended up finding it in my purse and then I checked my husband 's account and his Surge credit card got used the same way and he also called to dispute the fraudulent charges. The credit card company responded a couple of days later saying the charges were legit so we closed the accounts and asked to talk to the escalation department to continue with the dispute and they asked us to file a claim here, which we are both doing. We checked our credit and other credit cards, but only the XXXX  master cards were fraudulently used. We have the cards in our procession, so we don't know how they used them in XXXX California without the physical cards.

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 2025-09-30 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: IN

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 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 2025-09-30 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: Nelson Cruz & Associates LLC
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with Metro 2 compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-30 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: NC

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 : XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX ACCOUNTS : XXXXXXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$220.00} XXXX XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$770.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened : 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 explanation
Consumer complaint received 2025-09-30 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: AL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: AL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: F & S Financial Marketing, Inc.
State: VA

Complaint narrative:
I have been paying XXXX XXXX  a month for XXXX years for a XXXX dollar vehicle. They repoed the vehicle today. After I refused to pay. This is not fair. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans Union Equifax and Experian portals have made it extremely to navigate for people with XXXX and XXXX  nearby and filing this through the CFPB all three of these companies have yet to respond back send verified information I completely ignored

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 2025-09-30 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX Account not mine

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a secured card with cap one for {$200.00}. The idea is after a certain length of time it graduates to an unsecured regular card and they refund your deposit. When I first opened the account my card was frozen for no fault of my own and when I tried to make a payment it failed. I asked why haven't I been given my deposit back because I've never missed a payment or had any error except for the one caused by cap one freezing my card. I'm asking for a manual review of my account and to be returned my deposit. I can't get any other secured card or regular credit card. I think because of capital ones mistake or system causing this error and delaying my deposit refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
Hi, my name is XXXX XXXX and my husband name is XXXX XXXX. Our joint account in XXXX XXXX XXXX XXXX XXXX  ) suffered a big fraud. Since XX/XX/2025, XXXX Western Union ( https : //www.westernunion.com/us/en/home.html ) transactions have taken our money out continually and frequently with a different amount each time. Total amount is XXXX. After I contacted Western Union, the agents told us the receivers ' name-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both of them picked up money in XXXX, XXXX. However WU refurse to provide us the more detailed info like account number and card number but if police or any authority ask it, they definetely will help. The case number with WU is XXXX. We went to local police station and XXXX XXXX XXXX contact the law enforcement department by the phone number ( XXXX, XXXX ) which WU fraud department gave at least 10 times but nobody answer yet!! XXXX XXXX also already send email to WU Law enforcement 's email address, please reply to his email via XXXX soon! More info we have, easier for police to find the criminals!! Don't ignore victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
Dear FTC and CFPB, I am writing to file a complaint against SOURCE RECEIVABLES MNGMN. I believe that the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). The collection agency has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ), but they have placed a collection on my consumer report. I have been allowed to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency is violating my consumer rights by using false, misleading, misrepresentations, and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agency without providing all required disclosures by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1661-52 ( 7 ) ( A ). I am requesting that the FTC and CFPB investigate this matter and take appropriate action against the collection agency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX, Transunion RE : Formal Dispute and Demand for Validation or Removal of Bankruptcy Reporting Dear XXXX XXXX XXXX, I am writing to formally dispute the reporting of a bankruptcy in your data files associated with my name, XXXX XXXX. I recently obtained copies of my credit reports from TransUnion, XXXX, and XXXX, and each of them reflects a bankruptcy allegedly furnished by XXXX. This information is false, damaging, and must be addressed immediately. 
On XX/XX/year>, I contacted your office directly and was assured that no bankruptcy is listed in your records under my name. This verbal confirmation directly contradicts the data being reported by the credit bureaus, which cite XXXX as the source of the bankruptcy information. I have retained screenshots of these credit reports clearly showing the bankruptcy entry and its attribution to XXXX. 
Furthermore, I possess a letter from the United States Bankruptcy XXXX, District of Nevada ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ), which confirms that the court does not report bankruptcy filings to credit bureaus or credit reporting agencies, nor does it validate or verify such information. This letter reinforces that any bankruptcy data appearing on my credit report must have originated from a third-party data aggregatornamely, XXXX not from any official government source. 
Legal Grounds for My Dispute Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), XXXX  a consu

mer reporting agencyis legally obligated to follow reasonable procedures to assure maximum possible accuracy of the information it furnishes. Reporting a bankruptcy that does not exist in your records and can not be verified by the court violates this statutory duty.

Additionally, under FCRA 1681i ( a ), I am entitled to dispute any inaccurate information in your files and demand a reinvestigation. You are required to : Conduct a reasonable reinvestigation within 30 days Provide written results of the investigation Delete or correct any inaccurate, unverifiable, or outdated information Notify all credit bureaus to which you furnished the disputed data

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 2025-09-30 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX, Equifax, XXXX  RE : Formal Dispute and Demand for Validation or Removal of Bankruptcy Reporting Dear XXXX XXXX XXXX, I am writing to formally dispute the reporting of a bankruptcy in your data files associated with my name, XXXX XXXX. I recently obtained copies of my credit reports from TransUnion, Equifax, and Experian, and each of them reflects a bankruptcy allegedly furnished by XXXX. This information is false, damaging, and must be addressed immediately. 
On XXXX XXXX XXXXXX/XX/year>, I contacted your office directly and was assured that no bankruptcy is listed in your records under my name. This verbal confirmation directly contradicts the data being reported by the credit bureaus, which cite XXXX as the source of the bankruptcy information. I have retained screenshots of these credit reports clearly showing the bankruptcy entry and its attribution to XXXX. 
Furthermore, I possess a letter from the United States Bankruptcy Court, District of XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ), which confirms that the court does not report bankruptcy filings to credit bureaus or credit reporting agencies, nor does it validate or verify such information. This letter reinforces that any bankruptcy data appearing on my credit report must have originated from a third-party data aggregatornamely, XXXXand not from any official government source. 
Legal Grounds for My Dispute Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), XXXXas a consumer reporting agencyis legally obligated to follow reasonable procedures to assure maximum possible accuracy of the information it furnishes. Reporting a bankruptcy that does not exist in your records and can not be verified by the court violates this statutory duty.

Additionally, under FCRA 1681i ( a ), I am entitled to dispute any inaccurate information in your files and demand a reinvestigation. You are required to : Conduct a reasonable reinvestigation within 30 days Provide written results of the investigation Delete or correct any inaccurate, unverifiable, or outdated information Notify all credit bureaus to which you furnished the disputed data

Company response to consumer: Closed with explanation