vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XXXX/XXXX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-16 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: TX

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-07-16 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
I am writing to report an unauthorized hard inquiry on my credit report by Exeter Finance LLCXXXX an Auto Financing Company inquiry XXXX XXXX with phone number ( XXXX ) XXXX which continues to appear on my XXXX, XXXX, and XXXX  files despite my formal disputes. I never applied for financing or granted permission for Exeter Finance LLCXXXX to pull my credit, yet this spurious inquiry remains and is unfairly inflating my inquiry count, dragging down my score, and causing me to be denied credit cards and loan products that I legitimately qualify for. All of my legitimate accounts rent, XXXX, XXXX are in perfect standing, and I have worked diligently to rebuild my credit following a XXXX  identitytheft incident. This unauthorized pull misrepresents my responsible credit behavior and is actively harming my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am writing to report an unauthorized hard inquiry on my credit report by WFBNAAuto an AutoFinancing Company pull dated XXXX phone number ( XXXX ) XXXX that continues to appear on my XXXX XXXX and XXXX  files despite my formal disputes. I never applied for financing or granted permission for WFBNAAuto to access my credit, yet this inquiry remains and is unfairly inflating my hardinquiry count. As a direct result, Ive been denied credit cards and loan products for which I legitimately qualify, and my ongoing efforts to rebuild my credit following a resolved identitytheft incident in XXXX  are being repeatedly set back. All of my genuine accounts rent, XXXX, XXXX remain open with perfect payment histories, so this spurious inquiry misrepresents my responsible credit behavior and is actively harming my financial wellbeing.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am filing a dispute regarding inaccurate personal information and negative credit reporting tied to a XXXX loan account issued by XXXX XXXX. The account includes an incorrect version of my name, which I have never used in any legal or informal capacity. I have never undergone a legal name change. Additionally, the address associated with the account has been inaccurate since billing began. 

The first billing document I received was dated XX/XX/XXXX, and was sent to an address I did not reside at. As a result, I did not receive billing notices or other communications regarding the loan. Despite bringing these issues to XXXX  attention, the institution refused to make corrections, stating that the bills were not returned to sender - despite acknowledging that the contact information was inaccurate. 

To support this claim, I have attached my driver 's license with my correct name and current address, my XXXX XXXX verifying my residence and name during the billing period, and a copy of billing statements that highlight inaccuracies that XXXXXXXX XXXX  and XXXX XXXX XXXXXXXX XXXX has made ( despite reporting inaccurate personal information to credit reporting agencies ). Additionally, during a phone call on XX/XX/XXXX, I was informed by XXXX XXXX XXXX that there was no email address on file, further demonstrating that I had no reasonable way of being notified about the account or any delinquency. 

The combined errors of an inaccurate name, incorrect mailing address, and lack of electronic contact is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ), which states : A person who furnishes information to a consumer reporting agency shall not furnish any information that is inaccurate or incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: VA

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

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX VA XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-16 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: NC

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 2025-07-16 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: TX

Complaint narrative:
Requested Verification and Validation of alleged debt and creditor did not provide the information. This is a violation of my consumer rights according to the FCRA and FDCPA.

Creditor : XXXX XXXX XXXX Acct # : XXXX Creditor : XXXX XXXX XXXX XXXX Acct # : 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 2025-07-16 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: NC

Complaint narrative:
I have reported to the credit bureaus that I have a closed account with XXXX XXXX I have provided a letter and the copy of the recorded satisfaction deed with the bureau 's and still it shows I have a balance of {$100000.00} ... I want it to show paid off and closed how hard is it!!!

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XX/XX/year>XXXX  I sent Midland Credit Management a Cease and Desist letter for all debt communication. Despite this request they still communicate and report to the credit bureaus and not provide what was asked. I've asked for the licensing and bonding information to collect debt in the state of Michigan prior to this letter and they still haven't been able to provide it. I've also looked this company up in XXXX and no licensing or company information was found in the database during the search. They continue to report on my credit without proper validation. Sending me bills is not a form of debt validation. I have yet to receive evidence to substantiate the debt such as proof of assignment or transfer of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: PA

Complaint narrative:
I am disputing inaccurate and inconsistent late payment reporting on my XXXX XXXX XXXX credit card ( Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) across all three credit bureaus. The reports are contradictory and factually incorrect. 

Equifax reports the account as 30 days late in XX/XX/year>XXXX  and 60 days late in XX/XX/year>. 

TransUnion and Experian report it as 30 days late in XX/XX/year>XXXX  and 60 days late in XX/XX/year>. 

These inconsistencies are clear violations of the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires that data be reported with maximum possible accuracy. Additionally, I affirm that I was never late on this account. I always paid on time, and there is no basis for these late payment entries. 

I am requesting that all three bureaus provide verifiable documentation proving these delinquencies. If such proof can not be provided, these derogatory entries must be removed from my credit report under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FL

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

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Universal Account Servicing, LLC
State: NY

Complaint narrative:
According to the XXXX agreement I signed, the financing terms clearly state : No Interest if Paid in Full Within 12 Months. The purchase date is listed as XX/XX/XXXX, setting the promotional expiration at XX/XX/XXXX. 
Despite the fact that the promotional period is still active, interest was assessed based on a shortfall in my XXXX payment. Here are the facts : - On XX/XX/XXXX, I paid {$250.00}, falling short of the required {$290.00} minimum by {$41.00}. - I paid the remaining {$41.00} on XX/XX/XXXX, just 8 days after the due date. - On XX/XX/XXXX, I paid {$510.00}, bringing the account to paid in full, more than two months before the end of the promotional period. - I have been a customer for over six years, with no history of missed or late payments, and I have always paid off my balances in full. 
While I understand that making minimum payments is part of the promotional agreement, I believe assessing a full year of retroactive interest due to a minor and promptly corrected shortfall is both disproportionate and unfairespecially considering I paid the balance off in full and early. 
Furthermore, I want to raise a broader concern : had I made only the required minimum payments each month, I would not have paid off the full balance by the end of the 12-month promotional window. This creates an inherently misleading and predatory structureone that implies that meeting minimum payments protects the no-interest benefit, while in practice, it all but ensures consumers will fail to meet the payoff deadline unless they are savvy enough to overpay manually.

This structure is confusing by design and potentially deceptive, especially for less financially experienced borrowers. I strongly urge Universal Account Servicing to amend its promotional language to make the terms more transparent. Specifically, I propose the following revision : No Interest if Paid in Full Within 12 Months, Provided Prompt Minimum Payments Are Made On or Before Each Due Date. 
Additionally, you should disclose that minimum payments alone will not satisfy the full balance within the promotional period, and include monthly payoff targets to help customers make informed decisions. Anything less is, frankly, predatory. 
In XXXX and XX/XX/XXXX, I paid {$1300.00} each XXXX % of my incomein order to stay compliant, simply because the contract failed to explain what was actually needed to meet the payoff condition. That level of financial pressure, paired with poor disclosure, is unacceptable. 
I am requesting that this interest charge be fully waived and that the promotional terms be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I, XXXX XXXX, am writing to formally notify you that I am a victim of inaccurate or unauthorized reporting on my consumer credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c, I am requesting the prompt review and correction/removal of the following outdated, inaccurate, or fraudulent information XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-16 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: NY

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 2025-07-16 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:
These inquiries seem unfamiliar to me and may have been made without my authorization. I kindly ask for swift action to resolve the matter. Please refer to the attached documents for more details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX Date : XXXX XXXX  Subject : Request for Debt Validation under the FDCPA Dear Whom It May Concern I am writing in response to your recent communication regarding an alleged debt. I am requesting that you provide validation of the debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide all of the following : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A copy of the original signed agreement ( if applicable ) ; 4. Proof that you are authorized to collect on this debt ; 5. A full account history including all charges, fees, interest, and payments ; 6. Verification that the debt is within the statute of limitations in my state. 

Until you provide the requested validation, please stop all collection activities, including reporting this debt to credit bureaus. If you have already reported it, please inform them that the debt is being disputed. 

Please respond to this request in writing. Do not contact me by phone. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I, XXXX XXXX XXXX XXXX ( SSN ending in XXXX ), am submitting this formal complaint against XXXX XXXX XXXX and the national credit reporting agencies XXXX, Experian, and XXXX. Recently, I conducted a thorough investigation of my credit reports and discovered that XXXX XXXX XXXX is reporting a collection account for {$32000.00}, which is inaccurate, unverifiable, and inconsistent across the three bureaus. I have no contract with XXXX XXXX and have repeatedly requested validation through multiple disputes by mail, phone, and online. They failed to provide any proof or proper documentation. 

This reporting violates the Fair Credit Reporting Act, including 15 U.S. Code 1681e ( b ) ( requirement for maximum possible accuracy ) and 15 U.S. Code 1681i ( 5 ) ( requirement to delete unverifiable or inaccurate information after reinvestigation ). Each bureau reports different dates and statuses for this account, demonstrating failure to maintain accurate records.

I am demanding that this collection account be permanently deleted from all of my credit reports immediately, and that XXXX XXXX XXXX be held accountable for furnishing unverifiable information. I have attached my credit reports, dispute evidence, and an exhibit showing these inconsistencies. I respectfully request the CFPB to investigate these repeated violations and enforce my rights under the FCRA.

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