vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: AZ

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

1681c-2 ) that you, the XXXX  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. 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
XXXX - I was never late on this account, please remove late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX - I was never late on this account, please remove late payment history.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
I am filing this complaint against Exeter Finance LLC regarding the inaccurate and unlawful reporting of a charged-off auto loan account on my XXXX  credit report. 

The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. However, as of XX/XX/XXXX, Exeter continues to report a balance of {$17000.00} with a charge-off status, despite no payments made since XX/XX/XXXX. 

I previously disputed this information through XXXX, and Exeter has failed to provide any original documentation validating the debt, such as a signed contract, ledger history, or lawful assignment documentation. This violates my rights under : FCRA 611 ( 15 U.S.C. 1681i ) Incomplete or unverifiable accounts must be deleted within 30 days.

FCRA 607 ( b ) The balance is stale, static, and
does not reflect any current collection activity. Reporting is not in compliance with maximum possible accuracy.

FCRA 623 ( a ) ( 2 ) Furnishers are required to update or correct inaccurate information, yet Exeter is still reporting this as active despite being non-collectible.

FDCPA 807 ( 15 U.S.C. 1692e ) Reporting a charged-off, potentially reassigned or sold debt as collectible without disclosure is materially misleading and deceptive. 

Furthermore, XXXX  continues to reflect this item as current in status ( Charge-off ), with an unchanging balance and no activity, which demonstrates a failure to conduct a reasonable reinvestigation and an ongoing violation of the FCRA. 

I am demanding : A full investigation by the CFPB A request to Exeter Finance LLC to produce all original documentation used to verify this account Immediate deletion of this item if Exeter can not fully validate its right to report and the details of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I have been XXXX XXXX XXXX since XXXX. In XXXX I attended cadet summer training in Kentucky to transition to be an XXXX. I missed a car payment that was reported late on my credit report while I was at that training. XXXX XXXX XXXX in XXXX, AK. I was unaware that when I arrived to that training, they would take away our phones. My XXXX  was unaware of this happening and was moving our house by XXXX  across state lines during this time for the military. When I got my phone back and realized I had the late payment and contacted XXXX XXXX XXXX, they told me it was my fault for missing the payment and told me to be better about making payments on time. They did not care that I was active XXXX or was at a training where my method of making the payment was taken away. I have had issues with automatic payments with that company, which is why we did not have them set up. This is impacting us buying new houses because my score is lower than it should be. I made the payment as soon as I got out of the training and weve sent refinance the car so its paid off with them. I just want the late payment removed. My payment history on my credit report for all bureaus would be 100 % with the exception of this one payment.

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 2025-06-19 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: MD

Complaint narrative:
I'm writing to formally dispute and demand the immediate deletion of an item listed on my credit report that does not meet the standards of accuracy and compliance required under the Fair Credit Reporting Act ( FCRA ), specifically under Section 607 ( b ), which mandates that all information furnished for inclusion in a consumer report must be both complete and maximumly accurate. 

The reported item in question contains inaccuracies that not only misrepresent my credit history, but also directly impact my consumer rights. The FCRA is explicitly clear in requiring consumer reporting agencies and furnishers of information to ensure every line reported is correct and up to date. This particular entry fails to meet that legal thresholdwhether due to outdated data, incomplete details, or simply incorrect reporting. Regardless of the nature of the error, the presence of inaccurate information on my report constitutes a violation of federal 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 2025-06-19 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: WI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-19 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: IL

Complaint narrative:
In XXXX and XX/XX/year>, I submitted formal written requests to XXXX XXXX  demanding full validation of an alleged debt related to a credit card account. XXXX responded with generic statements, but failed to provide any of the documents I explicitly requested, including : ( 1 ) a copy of the original signed agreement, ( 2 ) a complete accounting of charges and payments, ( 3 ) a written notice of charge-off or default, ( 4 ) a certified P & L or charge-off justification, ( 5 ) a Form 1099-C if the debt was canceled, and ( 6 ) confirmation the debt was not sold or reassigned.

Despite failing to validate the debt as required by FCRA 623 and FDCPA 809, Discover continues to report the account negatively to XXXX, XXXX, and Equifax as a Charge-Off with inconsistent balances and dates. Their responses ignore my legal demands and do not meet the standards of proper verification under federal law. I believe this constitutes a willful violation of FCRA 623 ( a ) ( 1 ) ( A ), 623 ( b ), and FDCPA 807. I am requesting the CFPB to require XXXX to properly validate this debt or permanently remove it from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XXXX and XX/XX/year>, I submitted formal written requests to XXXX XXXX  demanding full validation of an alleged debt related to a credit card account. XXXX responded with generic statements, but failed to provide any of the documents I explicitly requested, including : ( XXXX ) a copy of the original signed agreement, ( XXXX ) a complete accounting of charges and payments, ( XXXX ) a written notice of charge-off or default, ( XXXX ) a certified P & L or charge-off justification, ( XXXX ) a Form XXXX if the debt was canceled, and ( XXXX ) confirmation the debt was not sold or reassigned. 

Despite failing to validate the debt as required by FCRA XXXX and FDCPA XXXX, XXXX continues to report the account negatively to TransUnion, XXXX and XXXX  as a Charge-Off with inconsistent balances and dates. Their responses ignore my legal demands and do not meet the standards of proper verification under federal law. I believe this constitutes a willful violation of FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX ( b ), and FDCPA XXXX. I am requesting the CFPB to require XXXX to properly validate this debt or permanently remove it from all credit reports.

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 2025-06-19 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: TX

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the XXXX  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. 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 TX XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$91.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a XXXX of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian 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. 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 Date XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$3200.00}

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I'm writing to formally dispute and demand the immediate deletion of an item listed on my credit report that does not meet the standards of accuracy and compliance required under the Fair Credit Reporting Act ( FCRA ), specifically under Section XXXX ( b ), which mandates that all information furnished for inclusion in a consumer report must be both complete and maximumly accurate. 

The reported item in question contains inaccuracies that not only misrepresent my credit history, but also directly impact my consumer rights. The FCRA is explicitly clear in requiring consumer reporting agencies and furnishers of information to ensure every line reported is correct and up to date. This particular entry fails to meet that legal thresholdwhether due to outdated data, incomplete details, or simply incorrect reporting. Regardless of the nature of the error, the presence of inaccurate information on my report constitutes a violation of federal 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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a XXXX  of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-06-19 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: CA

Complaint narrative:
I have repeatedly notified Equifax of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of my consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: The Aligned Company DBA Extra
State: CA

Complaint narrative:
The debit card expired in XX/XX/XXXX. I was NEVER issued a new card. The card company has charged me {$8.00} membership fees every month through my linked bank account since XX/XX/XXXX. Even in XX/XX/XXXX, I was charged {$8.00}. 

I tried to close the account and was told that my identity document was not sufficient. I submitted an address change and it was accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
This account was discharged through bankruptcy however it was sold to another company and is being reported as late and charged off on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian 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. 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 CA XXXX ACCOUNTS : BANKCRUPTCY - Account Number : XXXX * * * * * XXXX, Date Opened : XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXX * * XXX, Date Opened : XXXX, Balance : {$00.00} XXXX XXXXXXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$00.00} XXXX  XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$00.00} XXXX XXXXXXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$00.00}

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 2025-06-19 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:
b'Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX (Account XXXX XXXX) has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  \nXXXX XXXX \nXXXX  \nXXXX XXXX \nXXXX, TxXXXX XXXX  \nXXXX

Company response to consumer: Closed with explanation