vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA Dear : Experian, I am writing to dispute inaccurate information being reported on my credit file in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). My consumer report includes late payment entries that I believe are incorrect and must be investigated. 


Creditor Name : XXXX XXXX Services Account Number : XXXX Reported Late Payment Date ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 



Reason for Dispute : The late payment ( s ) reported are inaccurate and not a true reflection of my payment history. Under the FCRA, all information furnished to the credit reporting agencies must be complete, accurate, and verifiable. At this time, I request that you provide : The original records or documents from the creditor verifying the accuracy of the late payment. 

The method by which this information was verified and the name/contact information of the party who verified it. 



If you are unable to verify this information within 30 days, the late payment must be deleted immediately from my credit report, as required by law. 



Please investigate this matter and provide me with written confirmation of the results. I also request an updated copy of my credit report showing the outcome of your investigation. 



Thank you for your prompt attention to this matter. 



Sincerely, 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 2025-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/year> XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute information on my credit report that I believe is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 USC 1681i ( 7 ). As a consumer, I have the right to ensure that my credit report is free from any erroneous or outdated information.

Upon reviewing my credit report from your agency, I have identified the following inaccuracies : Please list any specific inaccuracies, such as incorrect account balances, incorrect payment history, or outdated information. This misinformation is damaging my credit score and financial standing and may also be a violation of 15 USC 1681-I ( 7 ), which requires the accurate reporting of consumer information.

I request that you investigate these discrepancies and provide me with a written explanation of the results of your investigation, in accordance with the FCRA guidelines. I also request that the inaccurate information be removed from my credit report as soon as possible. 

Please note that under the FCRA, you are required to complete the investigation within 30 days of receiving my dispute. Failure to comply with this timeline and correct any inaccuracies may result in further legal action. 

I appreciate your prompt attention to this matter and look forward to receiving a written response within the specified time frame. I appreciate your cooperation. 

Sincerely, XXXX XXXX XXXX cc : 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 2025-10-06 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: Rocket Mortgage, LLC
State: LA

Complaint narrative:
Subject : Request for Removal of Hard Inquiry from Credit Report Dear [ Equifax ], I hope this letter finds you well. I am writing to formally request the removal of an unauthorized or inaccurate hard inquiry from my credit report. I recently reviewed my credit report and noticed a hard inquiry listed under the following details : Company/Agency Name : [ rocket mortgage ] Date of Inquiry : [ XXXX, XXXX ] Upon further review, I believe this inquiry was either made in error or was not authorized by me. As this inquiry may have impacted my credit score and is potentially harming my creditworthiness, I kindly request that it be removed from my report. 

Please find below the relevant information to assist in your investigation : Full Name : [ XXXX XXXX ] Date of Birth : [ XX/XX/XXXX ] Social Security Number : [ XXXX ] Current Address : [ XXXX XXXX XXXX XXXX La XXXX ] If necessary, I am more than happy to provide any additional documentation or clarification regarding this matter. I would appreciate it if you could confirm the removal of the inquiry at your earliest convenience. 

Thank you for your prompt attention to this issue. I look forward to your timely resolution. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
XX/XX/year> Requested my account be closed and my funds distributed. They are making it virtually impossible to withdrawal my funds. Then they locked my account so I was forced to call about it. 

They owe me {$89.00} and some change. 
Do not bank here!!!!

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 2025-10-05 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: IL

Complaint narrative:
Although Im a victim of identity theft, this company is still reporting false information on my credit report. I have not authorized this account or have applied for credit. This is fraud and needs to be removed.

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 2025-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: NY

Complaint narrative:
I went to XXXX XXXX XXXX, paid my copay at the time. Later, I was billed different amounts for the same visit, twice. 

I received a bill for {$18.00} from Harris and Harris of XXXX in the mail dated XX/XX/year>. I paid the bill to XXXX XXXX on XX/XX/year> of that exact amount. 

I also received a bill for {$6.00} in the mail dated XX/XX/year> from Harris and Harris of XXXX. After I paid {$18.00}, my account balance in the XXXX XXXX online portal showed {$0.00} owed. 

I only received the bills in XXXX, after I had returned from a XXXX long trip, so after the time I supposedly could dispute the debt claim. 

There was no notice or explanation of why I was charged these amounts well after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: GA

Complaint narrative:
Subject : Formal Demand for Immediate Correction Verified Item Dispute To Whom It May Concern, This letter is a formal notice of dispute regarding the item ( s ) recently verified on my credit report via the e-Oscar system. I challenge the accuracy of this verification and demand a reinvestigation conducted in compliance with FCRA 611 ( 15 U.S.C. 1681i ), which clearly stipulates a reasonable reinvestigation not blind reliance on third-party automated responses.

The response provided via e-Oscar is unacceptable and constitutes negligent noncompliance under FCRA. I am fully entitled to a detailed, manual investigation with substantiated proof, not cursory digital rubber stamping. The data furnisher must provide full documentation confirming the legitimacy of the account, including : Signed contracts or applications bearing my signature Complete payment history with account-level detail Internal verification procedures used to confirm account accuracy Failure to produce these documents within 15 calendar days will result in further legal action, including formal complaints filed with the Consumer Financial Protection Bureau , State Attorney Generals Office, and potential civil litigation for statutory damages and defamation of character.

I am not requesting this as a favor I am asserting my legal rights. If you can not verify the item with proper documentation, you must delete it from my report immediately, as required by law. 


XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
The lawsuit against my former employer and the apartment owners stems from their negligence. They failed to provide a safe living environment, which ultimately led to my XXXX  on a mailman. As a result, I was sentenced to 41 months in XXXX  XXXX, a XXXX XXXX, and a XXXX XXXX. Additionally, I was required to pay restitution. 

While working as the XXXX XXXX, I was provided with an apartment as part of my work compensation. My regional manager assured me that it was a safe and livable place. She promptly hired me and moved me in. However, after a month, I began experiencing symptoms such as body aches, congestion, fatigue, and difficulty concentrating. 

The situation worsened when it started raining. I informed my manager, who promptly sent me to the doctor. The doctor issued a note indicating that I may have been exposed to mold. The doctor advised me that I could continue working as long as I was relocated to another apartment. I was found an apartment, but I was not assisted in moving. My family helped me move, but by that time, I was already in a severe mental state and unable to control my actions. 

It is important to note that I have never been violent and have no criminal record. I was also told by other tenants that the roof was leaking dirty water for years, and it shouldnt have taken for an incident to occur so that the apartment complex could get fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Exeter Finance, LLC.
State: TN

Complaint narrative:
The contract provided by Exeter Finance in response to my complaint does not contain my authentic signature. The signature on the document clearly does not match my legal signature on my government-issued drivers license or other identification.

Under the Fair Credit Reporting Act ( FCRA 604, 607 ( b ), and 611 ), a creditor must provide verifiable proof that a consumer authorized the account being reported. Submitting a document with a signature that is not mine is not proper validation and constitutes inaccurate and misleading reporting.

I request that this tradeline be immediately deleted from my credit file with Equifax, Experian, and TransUnion unless Exeter can provide legitimate, verifiable documentation containing my authentic signature.

Attachments Provided : Copy of drivers license ( showing my true legal signature ) Copy of Exeters alleged contract ( with mismatched signature highlighted ) Forcing a consumer to bear a fraudulent or inaccurately validated account violates FCRA standards and causes direct harm. I request CFPB to hold Exeter accountable and ensure this inaccurate tradeline is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I did not give written expressed or implied consent for XXXX XXXX XXXX to report absolutely anything on my private credit report. They are now in violation of the Fair Credit Reporting Act ( FCRA ), VIOLATION OF STATE AND FEDERAL LAW, 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, No Given Consent, 15 U.S. Code 1681s-2 Responsibilities of Furnishers of Information I am the original creditor that funded this private account with CITIBANK , N.A . XXXX XXXX XXXX business has confessed to purchasing consumer charged off debts from original creditors and subsequently illegally attempt, harass and solicit payment, absent any agreement or consent to contact the consumer proving a severe violation of 15 USC 1592e. There is no customer relationship in this situation, I am not a customer of this company nor did this company sell my consumer anything, nor have I received any XXXX forms from CITIBANK , N.A . showing that this debt was cancelled. I am aware that your company buys debt. Debt is an asset and it belongs to the original creditor. I am the original creditor. Return to me immediately this debt as it is against the Law to sell or buy any account that belongs to the holder in due course. I will be following up with acquiring this debt asset. Absolutely NO CONSENT was given to share my non-personal information to any affiliated parties. XXXX XXXX XXXX XXXX XXXX has treated my consumer as an employee by using the SSN without proper verification required by submitting the XXXX XXXX form. I do not have an employer employee relationship agreement with this corporation. I do not consent to contract with your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX as this entire matter was only between two parties XXXX XXXX XXXX and CITIBANK , N.A . I will be enforcing legal punishment for violations of Trust Fraud against CITIBANK , N.A . as a very heinous and severe violation of Anti-Trust Laws has occurred.

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 2025-10-05 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:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  XXXX XXXX ) : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can XXXX XXXX XXXX XXXX XXXX be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX Date : XX/XX/year> To : [ XXXX / Equifax XXXX XXXX ] Re : Formal Reinvestigation Request Under 15 U.S.C. 1681i Account : XXXXXXXX XXXX Bank XXXX / XXXX Acct # XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally request a reinvestigation of the above-referenced account. This item was previously reported as verified as accurate, but no documentation was provided to substantiate this claim.

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation. I am demanding that you provide : A copy of the original signed contract, A complete payment history, and All records used by the furnisher to verify the accuracy of this account.

Simply marking the account verified without documentation does not meet the standard of a reasonable investigation under federal law. If you can not obtain and provide this proof, you are required to delete the item from my credit file.

Enclosed are supporting documents related to my dispute [ attach doctor/insurance paperwork if you wish ]. 
Dre Please complete this reinvestigation within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
Im filing this complaint regarding a {$35.00} returned-payment fee charged by XXXX XXXX XXXX XXXX XXXX ), which processes tuition payments for my childs school. 

Ive consistently paid on time for years, but a recent automatic withdrawal was returned because my bank cleared a check earlier than expected, leaving the account temporarily short. The funds were available the next day. STS immediately charged a {$35.00} fee and, after multiple requests, refused to grant even a one-time courtesy waiver. 

Most financial institutions and payment service providers allow goodwill fee reversals for customers with long histories of on-time payments. STSs rigid no-exceptions policy, especially as a company handling school tuition for families, demonstrates a lack of flexibility and consumer consideration. 

Im filing this complaint so that the CFPB is aware of their inflexible fee policies and the absence of any fair-practice review process for loyal customers. 

All communication confirming their refusal is documented and can be provided upon request.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-06 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief