vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i asked for a wet signature of the debts an copies of the origanal hard copies.Dates of the debts on XXXX XXXX credir bureaus was different an names did not match addresses did not match.

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 2025-06-01 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: GA

Complaint narrative:
I was a victim of a equifax data breach in XXXX  during the covid pandemic. I have XXXX XXXX dimissed XXXX XXXX 's, but do not have any accounts associated with the public records nor is is attached to my address. I have attempted several times to have Trans Union remove as requested. But no help so far as requested. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  case XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX XXXX XXXX XXXX XXXX  case # 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 2025-06-01 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX - Opened XX/XX/2015 With a balance of {$0.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the 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 non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Credit acceptance. Balance was XXXX and then reappears for XXXX XXXX mi the later. Still dont know what happened bc they sent title and I had sold the vehicle and they came back and said I owed money/ I paid its but not right. Please remove trade line

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 2025-06-02 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute and Request for Method of Verification under FCRA 611 ( 15 U.S. Code 1681i ) Account Number : XXXX -- - To Whom It May Concern, I am writing to formally dispute the continued reporting of the above-referenced account and to demand a complete and verifiable method of verification under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ).

Despite multiple prior requests, I continue to receive form letters generated via the e-OSCAR system, which are not compliant with the statutory requirements outlined by the FCRA and do not constitute a proper or lawful reinvestigation. These responses fail to provide any physical documentation or transparent verification from the original creditor.

Under the FCRA, you are required to conduct a reasonable investigation, not a perfunctory electronic verification. I am hereby demanding that you conduct a physical reinvestigation of this account, as your current process using e-OSCAR alone fails to meet Metro 2 Compliance and does not satisfy the legal standards for accuracy or completeness.

I formally request the following information in compliance with the FCRA and Metro 2 standards : 1. The date of the physical investigation you allegedly conducted.

2. The full name and signature of the individual ( s ) with whom TransUnion and Equifax communicated directly and in person or via verifiable means.

3. A complete and itemized accounting of the debt from the original creditor.

4. Documented proof and the name and title of the person you verified this debt with, including their signature.

Your failure to provide this documentation is a violation of my rights under the FCRA. You are knowingly using stall tactics and failing to complete a proper investigation. If you do not comply within 15 days from the date of this letter, I will request that the Consumer Financial Protection Bureau ( CFPB ) intervene and take regulatory action. Furthermore, I will pursue deletion of the account based on your non-compliance with FCRA and Metro 2 guidelines.

I am also submitting a formal complaint with the CFPB alongside this dispute.

Forward written response to the above address by U.S Mail only Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX 
XXXX XXXX. XXXX XXXX XXXX, FL XXXX RE : FOLLOW-UP REQUEST FOR CONSUMER DISCLOSURE REPORT - FCRA VIOLATION NOTICE CERTIFIED MAIL RETURN RECEIPT REQUESTED To Whom It May Concern : This letter serves as a formal follow-up to my previous request ( s ) for my consumer disclosure report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

BACKGROUND : I previously submitted a request for my consumer disclosure report as required under 15 U.S.C. 1681g. Despite the statutory requirement that consumer reporting agencies provide such disclosures within a reasonable time period, I have not received my complete consumer file disclosure.

CURRENT ISSUES : 1. Non-Receipt of Consumer Disclosure Report : I have not received my complete consumer file disclosure despite my previous request ( s ).

2. Portal Access Denial : I have been unable to access your online consumer portal for several months, which has prevented me from obtaining my rightful disclosure and monitoring my consumer file.

FCRA COMPLIANCE REQUIREMENTS : Under 15 U.S.C. 1681g ( a ), you are required to clearly and accurately disclose to me : All information in my consumer file at the time of my request The sources of such information Identification of each person who has procured a consumer report for employment purposes within the two-year period preceding my request Identification of each person who has procured a consumer report for any other purpose within the one-year period preceding my request FORMAL DEMAND : I hereby demand that you immediately : 1. Provide Complete Disclosure : Furnish my complete consumer file disclosure in writing within fifteen ( 15 ) days of receipt of this letter, including all information required under 15 U.S.C. 1681g.

2. Restore Portal Access : Immediately restore my access to your consumer portal or provide a detailed written explanation of why access has
been denied.

3. Provide Written Response : Furnish a written response explaining the delay in providing my disclosure and the reasons for portal access issues.

LEGAL NOTICE : Please be advised that failure to comply with FCRA requirements may result in : Statutory damages under 15 U.S.C. 1681n for willful noncompliance Actual damages under 15 U.S.C. 1681o for negligent noncompliance Attorneys fees and costs Potential regulatory enforcement action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Accounts Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Details : I am filing this complaint because there is a charges-offs on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 

Specifically, the charge-offs is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : 1. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth.

2. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification.

3. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute.

I believe the charge-off is inaccurate for the following reason ( s ) : * [ accounts showing different balances accross the credit bareus Date opened doesnt match I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report.

Action Requested : * Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611.

* Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 

Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately. TRANSUNION : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. I am hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer report.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Trafficking Block Request to Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX  : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I went to XXXX XXXX XXXX for an eye exam. Afterward, I was pressured into selecting frames and signing up for financing through XXXX. I was asked about income, and I explained Im not working ; my mom receives government assistance. Despite this, they continued with the credit check, and I was approved. 

I did not fully understand that I was opening a credit account. I never received a physical card or detailed terms. I left the store feeling pressured and overwhelmed, and I called XXXX within 30 minutes to an hour of leaving, asking to cancel the order. I also contacted XXXX shortly after. I made it clear I did not want the glasses and never picked them up. XXXX refused to cancel, telling me to just pick different frames. 

I opened a dispute with XXXX and was told to call back for updates. I never received any resolution, but I recently got a bill for {$970.00} with interest added ; even though I never accepted the product and disputed the charge early. I feel this situation is unfair and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
The collection account in question appears to violate several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Under FCRA 1681e ( b ), credit reporting agencies are required to ensure that the information they report is accurate and complete. The information related to this account does not meet these standards. 

FCRA 1681i ( a ) ( 1 ) ( A ) provides me with the right to dispute any inaccuracies on my credit report and requires a prompt reinvestigation. This account has not been properly addressed, and I am still awaiting verification. 

Under FCRA 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. This account includes inaccurate or outdated information. 
FCRA 1681i ( a ) ( 5 ) ( A ) mandates that if the debt is not validated or is found to be unverifiable, the collection account must be deleted from my report. 

Under FDCPA 1692g ( b ), I formally requested validation of this debt from the collection agency. They failed to provide the necessary documentation to prove that I am responsible for this debt. As a result, the continued reporting of this account is a violation of my rights under the FDCPA. 

Given the circumstances, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation of this account, and ensure that it is either fully validated or removed from all credit reports if the collector can not provide proper documentation.

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 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/year> To : [ XXXX RE : Formal Dispute of Account Reporting Request for Validation and Verification Account Number : [ Insert Account Number or Collection Agency Reference Number ] Dear XXXXx, I am writing to formally dispute the accuracy and validity of an account being reported on my credit report by [ Debt Collector Name ]. I request an immediate investigation into this matter under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the FCRA, I have a right to verify and validate any alleged debt. The collector currently reporting this account has failed to provide proper documentation that proves : 1. They have a valid assignment contract from the original creditor, proving legal authority and ownership of the debt.

2. They have a permissible purpose to access and report information to my credit file under 15 U.S.C. 1681b. 

To that end, I am requesting that your agency : Provide me with a copy of the assignment contract between the original creditor and the collection agency, clearly showing that the debt was legally transferred or assigned. 
Show evidence of the collection agencys permissible purpose to report this alleged debt to your bureau. 

If this information can not be verified within 30 days as required by the FCRA, I request that the account be immediately deleted from my credit report in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Please confirm receipt of this dispute and notify me of the results of your investigation within the time allowed by law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
RENTRECOVERYSOLUTIONS XXXX We moved in these apartment in XXXX XXXX XXXX I have been give three different amounts to pay. XXXX was the first email XX/XX/XXXX from XXXX. I did not reply I went by the office and spoke to XXXX about the Key cards that we returned but our balance was not reduced and she stated that she would tell XXXX. I received an email with the balance being XXXX then there was another email sent that was XXXX and when I had my credit report pulled the balance is XXXX as of XX/XX/XXXX. They were well aware that I had a XXXX XXXX XXXXXXXX and they had no compassion. Even after going to court the Judge stated not to add any late fees. If we were one month behind Rent being XXXX with water included I have no idea how they came up with these balances even with them keeping the deposit. My son who was XXXX was told he is an adult and had to be put on the lease. He is the one that took sick and now it is also reporting to his and my husband 's credit report and I want this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
Summary of Complaint : This formal complaint is submitted regarding potential violations of the Truth in Lending Act ( TILA ) and ongoing servicing irregularities with the lending, processing and servicing of Exeter Finance LLC, XXXX XXXX XXXX XXXX, TX XXXX auto loans. 
Despite over XXXX payments made, our loan has only reduced principal by approximately {$4000.00} - far below the expected amortization progress for a 25 % APR loan with {$380.00} monthly payments ; based on forensics report the current rate being charged to the consumer is around 33.26 % APR which would extend the duration to 140 months ( 11 year 8 months ). 
Issues of Concern : XXXX. First payment made on XX/XX/year> was applied entirely to interest. 
XXXX. The contract fails to clearly disclose interest accrual start date. 
XXXX. Loan amortization does not follow the XXXX/360 model reflected in standard disclosures. 
XXXX Credit reporting has been delayed or inconsistent, negatively affecting borrower credit. 
XXXX. Several payments have erratic interest/principal splits without clear rationale. 
XXXX. The structure appears to benefit servicers/investors during early cash flow phases, not consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I was insured through XXXX  XXXX  in which the rates were fine. It became more expensive over the year in which i chose to switch insurance companies and go to all state. XXXX stated I owed {$800.00} on XX/XX/year> and to be paid the following month XX/XX/year>. XXXX XXXX  threw and influx of different payments at me. One for {$250.00}, {$400.00}, and {$800.00}. I chose not to pay them because I was not insured by that company anymore and they still wanted me to pay for 2 more month plus renewal. They then shipped off my information and sold my debt to a third party company CAINE AND WEINER. This company has continued to call my the past two years to collect a debt from me that i should not be paying. They have purposefully ruined my credit and this charge should be removed from collections and deleted. 

15USC1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX  - {$1500.00} XXXX {$0.00} XXXX XXXX XXXXXXXX {$490.00} XXXX XXXX- {$3300.00} XXXX XXXX {$760.00}

Company response to consumer: Closed with explanation