vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 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: MI

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE LATE PAYMENT INFORMATION IS INCORRECT AND MUST BE UPDATED OR REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
Exeter Finance keeps calling me regarding a debt for an unknown individual. I've asked them to stop and advised them to remove my number and they called AGAIN the following day while I am at work during inconvenient work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC
State: OK

Complaint narrative:
Our XXXX loan with Village Capital & Investment , LLC included XXXX prepaid year of XXXX XXXX homeowners insurance financed into the loan principal at closing on XX/XX/XXXX. The Closing Disclosure shows {$1800.00} paid from loan proceeds to XXXX XXXX through the title company. 

XXXX XXXX later canceled that policy effective XX/XX/XXXX due to a roof defect and issued a refund of the prepaid premium. Village Capital became our servicer on XX/XX/XXXX. Because the prepaid amount came from loan funds, any refund should have been applied as a principal reduction or escrow credit. That never happened ; the full {$1800.00} remains in our loan balance and continues to accrue interest. 

After multiple ignored inquiries, we sent a formal Request for Information ( XX/XX/XXXX ) asking : How did Village Capital account for the prepaid insurance during servicing transfer, given the policy was canceled, and does this amount remain embedded in principal? 

On XX/XX/XXXX, XXXXillage Capital replied by email : The title company paid {$1800.00} to XXXX XXXX on XX/XX/XXXX Your loan boarded into our servicing system on XX/XX/XXXX We did not receive any cancellation from XXXX XXXX The prepaid amounts from closing are not embedded in your principal balance. 

That answer is contradictory and inaccurate. The prepaid premium was indisputably funded from the loan, making it part of principal by definition. No documentation of a refund posting or principal offset was provided. 

In prior regulator XXXXorrespondenceCFPB and XXXX  complaint responses dated XX/XX/XXXX and XX/XX/XXXX XXXXVillage Capital also omitted this issue entirely, instead describing the XXXX XXXX policy as terminated and claiming continuous coverage through lender-placed insurance. These omissions and false statements conceal improper accounting of borrower-funded insurance and violate 12 C.F.R. 1024.36 ( d ) and 1024.17 ( f ) ( 2 ) ( RESPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CO

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: OH

Complaint narrative:
Under USC Sec 15 and FCRA 1681, 1682, 1683, 1784 1028g XXXX, XXXX and XXXX XXXX have been all contacted and a fraud alert was issued regarding the address below. 

XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX UNDER FCRA THIS ADDRESS MUST BE REMOVED FROM EXPERIAN, TRANSUNION, AND EQUIFAX IMMEDIATELY XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: OH

Complaint narrative:
Under USC Sec 15 and FCRA 1681, 1682, 1683, 1784 1028g XXXX, XXXX and XXXX XXXX have been all contacted and a fraud alert was issued regarding the address below. 

XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX UNDER FCRA THIS ADDRESS MUST BE REMOVED FROM EXPERIAN, TRANSUNION, AND EQUIFAX IMMEDIATELY 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 2025-10-16 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: CA

Complaint narrative:
I am writing to dispute the accuracy of a XXXX XXXX  bankruptcy appearing on my credit report. 
The entry contains discrepancies and incomplete information, including The entity is reported on Experian and Equifax but not on TransUnion. 
inconsistent reference numbers ( XXXX XXXX XXXX XXXX XXXX vague or incomplete court identification ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and missing financial data ( assets, liabilities, and exempt amounts reported as {$0.00} ). 

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], you are required to ensure the maximum possible accuracy of any item you report.

As such, I am requesting a reinvestigation of this entry in accordance with FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ]. If the listing can not be fully verified, it must be deleted per 611 ( a ) ( 5 ). Furthermore, under 609 ( a ) ( 2 ) [ 15 U.S.C. 1681g ( a ) ( 2 ) ], I request full disclosure of the source of the information used to report this bankruptcy, including : The name and contact information of the person or entity who verified the entry The method of verification ( e.g., XXXX, XXXX, or third-party source ) The documentation relied upon for verification The name and address of the court that allegedly provided the 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 2025-10-16 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: AR

Complaint narrative:
This letter serves as a FORMAL FACT-BASED DISPUTE and METHOD OF VERIFICATION REQUEST under 15 U.S.C. 1681i of the FAIR CREDIT REPORTING ACT ( FCRA ). I am disputing the accuracy, completeness, and Metro 2 compliance of the following accounts that appear on my TRANSUNION credit report. 

The accounts listed below contain inaccurate, unverifiable, or incomplete information that violates FCRA 1681e ( b ) ( duty to ensure maximum possible accuracy ) and Metro 2 reporting standards. Please perform a full reinvestigation and provide verification of accuracy directly from the original data furnishers, or delete these accounts immediately. 

DISPUTED ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting inconsistencies in payment status, balance, and last activity dates across bureaus. These discrepancies violate FCRA 1681e ( b ) and Metro 2 Field XXXX ( Payment Rating ) reporting standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account shows a XXXX delinquency reported in XX/XX/XXXX and XXXX delinquency reported in XX/XX/XXXX that is inaccurate and unverifiable. Verification is required per FCRA 1681i ( a ) ( 2 ) and Metro 2 Field 18 ( Payment History Profile ).

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 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
After returning from our trip to XXXX XXXX I noticed that XXXX XXXX XXXX had charged me {$310.00}. I spoke to them shortly after that and they put back {$150.00} onto my citi credit card ending in XXXX for a total of {$160.00}. This is the total I confirmed with XXXX that the rental car cost for the week. Next, I noticed that there were XXXX charges for {$160.00} on my card. XXXX from XXXX XXXX XXXX  ( see above ) and XXXX from XXXX. I did not rent XXXX cars and assumed the charge from XXXX XXXX XXXX  was in error because XXXX charges the trip as a package and the hotel was charged through XXXX also. So, I then opened a dispute with XXXX XXXX XXXX  for the amount in error. Citi concluded, without ever consulting with me for proof, that XXXX XXXX XXXX somehow was supposed to charge me for the rental car. After that I assumed I was wrong and that XXXX was not supposed to charge me for the rental car, since the flight was separately charged through XXXX XXXX, outside the package. Then, I opened a dispute with XXXX for the amount for the rental car. I spoke with them and they confirmed the amount for the car and I provided the documents to Citi. Citi also came back and said XXXX was supposed to charge me for the rental car. I was shocked, since this is a double charge for the same rental car. I asked Citi for an appeal and provided my credit card statements as they requested, which I thought was odd, since they are the credit card company and I get the statements from them. Since then, I have never received an open case displayed online to designate my appeal and have only received documents stating my original XXXX disputes were resolved and services were rendered. I also received advice to wait XXXX days, which just so happens to be how long they wait to see if you have abandoned your dispute. I feel that there is some sort of conspiracy among the companies blaming the customer and Citi not caring about resolving a duplicate charge. At least, that is all I can determine at this time based on the process so far. On a side not, both XXXX XXXX XXXX XXXX XXXX  claim I added on some extra services in regards to the rental car, which is not the case. The only amount in dispute and charged is for the rental car itself for the week as seen on both receipts. I have XXXX receipt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX which further proves I was charged twice.

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 2025-10-16 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: TX

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 XXXX 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit reports, I discovered several accounts and inquiries that are being reported inaccurately and without proper verification. These include accounts from XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX account shows excessive and inconsistent late payment data that do not align across the credit bureaus, indicating reporting errors or poor recordkeeping. The XXXX XXXX XXXX account also reflects multiple late payments that have never been properly validated with original documentation. Additionally, XXXX XXXX XXXX is reporting a collection account allegedly purchased from XXXX XXXX XXXX, yet they have failed to provide any proof of ownership, chain of assignment, or signed agreement confirming the validity of the debt. On top of that, multiple unauthorized hard inquiries from XXXX XXXX and several auto dealerships appeared on my reports without my written consent or permissible purpose. These actions have significantly damaged my credit standing and violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have disputed these items before, yet they remain unverified and inaccurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB Corporation
State: TX

Complaint narrative:
I requested debt validation from USCB Corp over 60 days ago, asking for proof of ownership or assignment, an itemized breakdown of the balance, and documentation from the original creditor.

USCB Corp has not produced any documentation verifying the debt.

Despite this, they continue to report the account as a collection/charge-off across all three credit bureaus, violating FDCPA 809 ( b ) ( failure to validate before continuing collection ) and FCRA 623 ( a ) ( 1 ) ( A ) ( reporting information known to be inaccurate ). 
Under Metro-2 Compliance Reporting Guidelines, a furnisher may not continue to report data that lacks factual accuracy or validation. Because the debt remains unvalidated, the reporting is non-compliant and misleading.

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 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
unauthorize withdrawal via phone or card that was reported stolen on XXXX XXXX XXXX however was charged on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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 formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am following up on a previous complaint I filed regarding several late payments being inaccurately reported on my credit file. I submitted documentation and explanations showing that these reports were incorrect and requested a proper reinvestigation, yet the same late payment entries remain. It feels as though my evidence and concerns were not given the attention they deserved, or that my case was prematurely closed without full review. 

These inaccuracies continue to harm my creditworthiness and misrepresent my payment history, painting an unfair and inaccurate picture of my financial reliability. Ive always taken my credit obligations seriously, which is why this situation has been so deeply frustrating. I understand that the Fair Credit Reporting Act requires that every piece of information reported be accurate and that furnishers and bureaus alike maintain procedures to ensure that accuracy. When that doesnt happen when errors persist after a legitimate dispute it leaves consumers like me powerless, with no choice but to keep asking for what should have already been corrected.

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