vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: WI

Complaint narrative:
Equifax ( EQ ) : I am submitting this dispute with Equifax regarding the following accounts, as I believe the information reported is inaccurate. I request a thorough investigation and removal of any unverifiable information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

DP OF EDUC Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} DP OF EDUC Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I am submitting this statement to formally dispute the accuracy of certain items reported on my credit file by the following credit bureaus : XXXX XXXX, and TransUnion. I believe that the information reported is incorrect, incomplete, or otherwise inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ).

Below, I have outlined the specific accounts that I dispute, as well as the associated issues. I am requesting a full investigation into these matters and expect the removal or correction of the inaccuracies found in my credit report.

The accounts in question are as follows :

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 2025-11-07 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: NC

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
Guarantee that disputed accounts are deleted per statutory requirements.

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 2025-11-07 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: LA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NV

Complaint narrative:
I am disputing an account reported by XXXX XXXX XXXX XXXX that is appearing inaccurately on my Experian credit report. 
Creditor : XXXX XXXX XXXX XXXX Account Type : Credit Card Date Opened : XX/XX/2022 Amount Charged Off : {$3700.00} Current Status : Charged Off and {$3700.00} past due Dispute Status : Listed as under dispute but unresolved The account is reporting conflicting and legally inconsistent information showing both a charge-off and a past-due balance, which violates FCRA and XXXX XXXX reporting standards .

Furthermore, I submitted a dispute, and the 30-day deadline to verify under FCRA 611 has passed with no documentation or resolution. The account has not been corrected or deleted.

I request a full reinvestigation and the immediate deletion of this account due to the furnishers failure to verify and Experian failure to properly handle the dispute.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this dispute to correct the inaccuracies on my credit report with Experian. Below are the accounts I am disputing : CHARGED OFF : XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX TXXXX, XXXX, XX/XX/XXXX, XXXX Bankruptcy, XXXX, XX/XX/XXXX, XXXX INQUIRIES : XXXX, XX/XX/XXXX XXXX BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2025-11-07 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: MI

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( 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
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I AM SUBMITTING THIS COMPLAINT REGARDING INACCURATE AN INCOMPLETE INFORMATION ON MY CREDIT REPORTS. I HAVE PREVIOUSLY DISPUTED THESE ITEMS DIRECTLY WITH THE REPORTING COMPANYS AND THE INFORMATION FUNISHERS ASKING FOR VALIDATION OF THESE ACCOUNT. 
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 2025-11-07 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: GA

Complaint narrative:
I AM SUBMITTING THIS COMPLAINT REGARDING INACCURATE AN INCOMPLETE INFORMATION ON MY CREDIT REPORTS. I HAVE PREVIOUSLY DISPUTED THESE ITEMS DIRECTLY WITH THE REPORTING COMPANYS AND THE INFORMATION FUNISHERS ASKING FOR VALIDATION OF THESE ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I wanted to reach out to explain a recent change in my credit reports. 
Yesterday, XX/XX/year>, I received alerts from all three credit bureaus notifying me that my scores had decreased. Specifically : XXXX  : decreased by XXXX points TransUnion : decreased by XXXX points Equifax : decreased by XXXX points After reviewing the reports, I found that the creditors have been reporting to the bureaus multiple times per monthless than 30 days apartwhich has caused inconsistencies in my reports. Ive been disputing these issues with the bureaus for a little over a month. I submitted direct disputes with the credit bureaus. 

Previously, TransUnion and Equifax had each reduced my score by XXXX or more points, and after filing that initial dispute, the points were not restored. However, following this new 30-day delinquency report, those same points were again deducted, while XXXX  decreased by XXXX points. When I contacted the creditor, they informed me that they only report the data and do not control how the scoring is calculated. 

I am submitting another formal dispute to the CFPB because I believe this recent reporting may be retaliatory in nature, linked to my previous complaint. The decrease in credit score should be consistent for all bureaus ; this change should not be this drastic.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have has XXXX breaches in all three credit reporting agencies. They are unable to keep my credit frozen, fraud alerts in place and personal information from being fraudulently changed and fraudulent online profiles being made to protect myself from fraudulent credit inquires and applications being made in my name. This has happen at least XXXX per month since XX/XX/XXXX. I continue to make complaints and will as each breach happens. I have requested more security, password for authenticity or any access but NOTHING is being changed yet each time I make a complaint ALL three credit reporting agencies ( XXXX, XXXX  and Transunion ) state they are " working on it '' but nothing ever changes and it is costing me time, stress, security and continued breaches. This has happened two times in two day with all three reporting agencies, this is the most recent : XXXX BREACH-Personal information was fraudulent changed XXXX email, phone number ), Called XXXX  and spoke to agent to, corrected information over phone and reported the fraud. Requested XXXX XXXX be permanently LOCKED again. 

XX/XX/XXXX EQUIFAX XXXX was fraudulently unfrozen, fraud alerts removed, personal information fraudulently changed and hard inquiry XXXX XXXX. Fraudulently opened online profile. Called and spoke to agent to, corrected information over phone, requested fraud alerts be placed back and credit report frozen and reported the fraud dispute. Requested Online Access be permanently LOCKED again. 


XX/XX/XXXX TRANSUNION BREACH- Personal information changed ( email, phone number ), Credit fraudulently unfroze, fraud alerts fraudulently removed, fraudulent hard pull for CBNC for a fraudulent credit card application, fraudulently opened online profile. Requested Online Access be permanently LOCKED again, Called and spoke to agent to, corrected information over phone, requested fraud alerts be placed back and credit report frozen and reported the fraud dispute CBNA credit hard inquiry.

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 2025-11-07 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) allows you to have collections removed from your credit report if they are inaccurate, outdated, or unverified. The information on this report is unverified as the actual debtor has removed this account. There have been multiple attempts to provider proper investigation which has not been successful.

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 2025-11-07 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) allows you to have collections removed from your credit report if they are inaccurate, outdated, or unverified. The information on this report is unverified as the actual debtor has removed this account. There have been multiple attempts to provider proper investigation which has not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I am submitting a dispute regarding the following accounts on my TransUnion credit report. I respectfully request an investigation under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : None Reported. 

Inquiries : XXXX XXXX  Date Open : XXXX XXXX XXXX XXXX  Date Open : XXXX Late Payments : XXXX XXXX  Account Number : 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 explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I am submitting a dispute regarding the following accounts on my Experian credit report. I respectfully request an investigation under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : None Reported. 

Inquiries : XXXX XXXX  Date Open : XXXX Late Payments : DEPT OF ED/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I have disputed two XXXX XXXX accounts on my Experian credit report multiple times. Each dispute was returned as verified, yet XXXX XXXX has admitted in writing through CFPB correspondence dated XX/XX/year> ( Ref. XXXX ) and XX/XX/year> ( Ref. XXXX ) that they can not locate or produce the original signed applications proving personal liability. Despite these admissions, Experian continues to report the accounts as verified, relying only on an automated XXXX response from the furnisher. 

This is not a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA 1681i ). Experian has failed to obtain any documentary evidence supporting the accuracy of the accounts, yet continues to publish unverifiable information.

The disputed accounts are two XXXX XXXX business tradelines ( one ending XXXX and one ending XXXX ). Both remain reported as valid even though the furnisher can not verify them.

I am requesting CFPB review Experians reinvestigation process, as their actions violate 1681i ( a ) ( 5 ) ( A ) by continuing to report unverifiable data after receiving evidence that no signed credit applications exist.

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 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I entered into a car loan agreement with Exeter Finance after purchasing a XXXX  XXXX XXXX from XXXX XXXX. Exeter Finance is allegedly known for overcharging customers and selling vehicles for more than their XXXX XXXX XXXX value. My vehicle, valued at approximately {$13000.00}, was financed at a significantly higher price. 

Soon after the purchase, I experienced financial hardship due to injuries sustained shortly after leaving the dealership. During this time, I fell behind on my car payments, and Exeter Finance began making frequent, persistent collection callsoften dailyregarding payment arrangements. The company suggested pushing payments to the end of the loan, which would have increased the total amount of interest owed. 

I later discovered that the loan was structured as a daily interest contract, a fact that was never disclosed to me at the time of signing. The salesperson at XXXX XXXX also failed to explain the high interest rate or provide clear information about Exeter Finance. Instead, the salesperson offered a {$1000.00} voucher to encourage the purchase. 

I originally purchased the vehicle to transport my XXXX  son to his XXXX  appointments, but the entire experience has become extremely distressing. I currently pay approximately {$560.00} per month for the XXXX  XXXX XXXX. To make matters worse, shortly after leaving the dealership, I was rear-ended, which caused the front passenger wheel to detach while I was drivingan incident that nearly caused serious injury. 

I feel that I have been misled and defrauded throughout my first car-buying experience by both Exeter Finance and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX 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 2025-11-07 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: NV

Complaint narrative:
I am disputing the following inquiries on my credit report. Please verify these inquiries, and if they can not be verified, remove them from my credit file in compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXX, XX/XX/year> XXXX, XX/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 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit XXXX is reporting a debt on my XXXX  report that is not validated correctly. I dispute the whole account and they keep updating it anyways which I beleive is against my rights under FDCPA and the FCRA laws. 

There is a collection account from Midland Credit Management for {$1400.00} that they claim came from XXXX XXXX. It says open date XX/XX/year>. I never recieved proper validation of this debt. I asked them for the paperwork to prove the debt is real like : the original contract with my signature on it legal chain of custody ( who owned the debt after XXXX sold it ) itemized acounting showing how they came up with {$1400.00} proof they are allowed to collect where I live They hav NOT provided any real proof. 

They still reporting and updating it while it is under dispute which is not legal under : FDCPA XXXX USC XXXX ( b ) validation required FDCPA XXXX ( XXXX ) cant report false/inaccurate info FCRA XXXX ( a ) must report correct info FDCPA XXXX ( c ) must stop contacting when told They keep reporting without validating which makes this whole debt unverified and inaccurate on my XXXX  report. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/year>, due to being temporarily furloughed from my job ( for an unknown amount of time ) I applied for a XXXX month forbearance with the payments being due at the end of the loan. I received an automated response saying I would receive a reply within XXXX business days. After XXXX business days I still havent received a response. I tried contacting them again and still received no response. I have missed my first payment due to their lack of response.

Company response to consumer: Closed with explanation