vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I am disputing the XXXX account in the amount of {$270.00} that is being reported as in collections and last reported around XX/XX/year>. This debt does not belong to me. I did not open this account, did not authorize services with XXXX, and did not sign any agreement related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: AZ

Complaint narrative:
XXXX XXXX sold my account to XXXX XXXX XXXXXXXX XXXX 

I settled and paid the account in full with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
On XX/XX/XXXX, I noticed that an automobile loan account from Exeter Finance LLC # XXXX my XXXX  credit report. The account shows a balance of {$18000.00}, but I have never financed or leased a vehicle through that company. 

I contacted XXXX  on XX/XX/XXXX, and submitted a dispute through their online portal, providing supporting documents to show I do not have any account with that lender. On XX/XX/XXXX, I received a response stating the account had been verified as accurate, but no additional documentation or explanation was provided. 

I have also contacted the lender directly, but they confirmed that they do not have an account under my information. Despite this, the incorrect automobile loan remains on my XXXX  credit file and continues to affect my credit score.

I am requesting that XXXX  conduct a full reinvestigation of this account and remove the inaccurate automobile loan from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Revenued LLC
State: IL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding Revenued LLC, a commercial finance company, for unfair and deceptive collection practices involving improper third-party contact and interference with business relationships. 
Parties Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Respondent : Revenued LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Nature of the Complaint Revenued LLC engaged in improper third-party collection conduct by contacting my companys customers directly and instructing them not to pay my business, while attempting to redirect payments to Revenued.

These actions occurred without a court judgment and went beyond any limited notice that might be permissible under a receivables-purchase agreement. The communications were not neutral or informational ; they were coercive and interfered with ongoing business relationships.

Specifically, Revenued : Contacted customers of my business directly Told customers not to pay XXXX XXXX XXXX XXXX XXXX Attempted to redirect receivables to itself Asked customers to confirm whether they owed my business money Used customer interference as a collection tactic This conduct caused disruption to active client relationships and confusion among customers.

Why This Conduct Is Unfair or Deceptive While Revenued characterizes its product as a purchase of receivables, its actions exceeded commercially reasonable enforcement and created deceptive impressions for third parties regarding who was owed payment.

The conduct appears to constitute : Unfair or deceptive acts or practices Improper third-party collection activity Misrepresentation to third parties Interference with commerce Revenueds actions were not limited to lawful enforcement mechanisms and instead relied on customer disruption as leverage.

Additional Context Revenued has already collected a substantial portion of the amount under the agreement ( over 60 % ). The remaining balance represents speculative future receivables rather than fixed loan principal. Despite this, Revenued escalated to customer interference rather than pursuing lawful remedies.

Once counsel objected and demanded cessation of third-party contact, Revenued shifted to aggressive settlement posturing, suggesting awareness that the conduct was improper.

Requested Action I respectfully request that the CFPB review Revenued LLCs conduct for compliance with federal standards governing unfair or deceptive practices and improper collection behavior.

I am prepared to provide documentation, including customer communications, transaction histories, and account statements, upon request.

Thank you for your attention. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: SC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XX/XX/XXXX Inquiry0 : XX/XX/XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 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: IL

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: RI

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-29 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: TX

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX  / XXXX ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. XXXX  ( XXXX ), XXXX ( XXXX ), and XXXX v. XXXX  ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : XXXX 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 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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
On XX/XX/year>, I went to a Wells Fargo branch to cash a check. During the transaction, the teller obtained my personal information as part of her job duties. 

The teller refused to answer a legitimate bank-related question and then refused service. Despite no threatening or criminal behavior on my part, she called the police, unnecessarily escalating the situation. 

Shortly afterward, I noticed the same teller viewed my XXXX profile and XXXX story. I did not provide my social media information and had no personal relationship with this employee. Based on timing and circumstances, I believe she used information obtained during the banking transaction to locate my social media account. 

I am concerned about unauthorized use of my personal information, improper denial of service, and the resulting stress and fear for my personal safety. I am requesting a formal investigation and corrective action.

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 2025-12-29 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: IL

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint to dispute unauthorized hard inquiry that are appearing on my credit report. XXXX XX/XX/year>, this inquiry is placed on my credit file without my consent and without a valid permissible purpose. I did not authorize any creditor to access my consumer report for this inquiry. The continued reporting of unauthorized hard inquiry is damaging my credit profile and violates the Fair Credit Reporting Act, including 15 USC 1681b, which requires a valid permissible purpose, and 15 USC 1681e ( b ), which requires maximum possible accuracy. I am requesting the immediate removal of all unauthorized hard inquiry and written confirmation that my credit file has been updated to reflect only inquiry that were properly authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received an email last week, XXXX XXXX, stating that someone had viewed my credit report. I got one from XXXX and one from XXXX XXXX. I had no clue what it was. Today, a credit card came in the mail with my name on it for XXXXXXXX XXXX XXXXXXXX Wells Fargo that I never applied for. I have not been inside a XXXXXXXX XXXX in a few years. There was a credit limit of {$3400.00}. I never applied for this. Not anyone in my household.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am formally disputing the XXXX XXXX XXXX XXXX XXXX  tradeline that is currently reporting on my consumer credit reports as a charged off collection account with a XXXX balance. 

This account is reporting a XXXX balance and is no longer being actively collected. There is no current amount owed. Despite this, the furnisher continues to report this account as a charged off derogatory account that is actively harming my credit profile.

Under the Fair Credit Reporting Act Section 1681e ( b ) and Section 1681s 2, furnishers are required to ensure maximum possible accuracy and to conduct a reasonable investigation into disputed information. Continuing to report a charged off account with a XXXX balance misrepresents the actual status of the account and creates the false impression of an unresolved debt obligation.

If the account was sold or transferred, the original creditor is no longer permitted to report a charged off balance or derogatory status once the balance is XXXX and the debt has been transferred. If the account was settled or otherwise resolved, continuing to report a charge off with a XXXX balance misrepresents the true legal status of the account.

I am requesting that XXXX XXXX XXXX XXXX XXXX  provide full documentation validating their right to continue furnishing this tradeline including A complete account history Proof of balance calculation Proof of ownership if applicable Documentation supporting the charge off status Proof of any legal right to continue reporting this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX ( servicing my CrossCountry Mortgage loans ) for improperly assessing late fees on XXXX accounts despite timely payments within the XXXX grace period. 

Loan # XXXX ( XXXX XXXX XXXX, XXXX XXXX, NJ ) : Payment of {$1400.00} was processed via bill pay check ( # XXXX ) with funds withdrawn on XX/XX/year> ( mailed XX/XX/XXXX ). Due date XX/XX/XXXX ; grace period allows up to 15 days without late charge ( per loan note and servicer policy ). Yet a {$38.00} late fee was charged ( XX/XX/XXXX notice and statement ). 

Loan # XXXX ( XXXX XXXX XXXX, XXXX XXXX, NJ ) : Similar timely payment processed XX/XX/year>, but {$45.00} late fee assessed. 

These payments were received/processed well before XX/XX/XXXX cutoff. This violates RESPA ( failure to properly credit payments ) and my loan agreements ( XXXX grace confirmed in closing documents ). 

On XX/XX/year> ( XXXX XXXX ET ), I called customer service to resolve. The representative had severe language barriers, refused to escalate to a supervisor, placed me on hold for XXXX minutes, and hung uppreventing resolution. 
I request : Immediate refund of all improper late fees ( {$84.00} total ), correction of accounts, confirmation no negative credit reporting, and reimbursement for my time/aggravation. 

Attached : Payment proofs, statements, late notices, grace period excerpts from notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

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 2025-12-30 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: Security Credit Services, LLC
State: TX

Complaint narrative:
I am submitting this complaint against Security Credit Service and the credit reporting agencies for continuing to report inaccurate, inconsistent, and unverified information on my credit reports, despite my prior request for debt validation.

Furnisher : Security Credit Service Original Creditor : XXXX XXXX. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX The account information reported by XXXX XXXX and XXXX is materially inconsistent, making it impossible for the data to be accurate or properly verified under the Fair Credit Reporting Act ( FCRA ). 

Based on my credit reports : XXXX  reports the account as closed, with a {$0.00} past-due balance, no payment history, and a charge-off comment. 

XXXX reports the same account as open, classified as a collection/installment ( attorney ) account, with a {$7500.00} past-due balance, a last payment date of XX/XX/XXXX, and claims the account was XXXX  days late XXXX times. 

XXXX reports the account as open, with no past-due balance, a different date last active ( XX/XX/XXXX ), and reporting that does not match XXXX alleged delinquency timeline. 

These reports conflict on key facts, including : Account status ( open vs. closed ) Past-due balance ( {$0.00} vs. {$7500.00} ) Account classification ( installment vs. collection/attorney ) Dates last active Payment and delinquency history A single account can not logically or legally be reported with mutually exclusive statuses and balances at the same time. These contradictions demonstrate that the information being furnished is not accurate, not consistent, and not reliable, and therefore can not meet the FCRAs maximum possible accuracy requirement. 

Additionally, I formally requested debt validation from XXXX XXXX XXXX. No party provided : A signed contract or agreement bearing my signature Billing statements A complete payment history or ledger Due-date records Documentation supporting the alleged late payments or charge-off Despite the absence of evidence, the credit bureaus continue to report and verify this account. Verifying contradictory information without reviewing underlying documentation violates FCRA 607 ( b ) and 611, as well as 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 3 ). Reporting a collection or charge-off without accuracy or verification also implicates FDCPA 807 ( 8 ). 

As established in XXXX XXXX XXXX credit reporting agencies may not rely solely on automated verification systems when a dispute raises factual inconsistencies requiring review of actual records. That standard was not met here. 

Because this account is being reported with conflicting data and without validation, it is legally unverifiable and must be removed from all consumer credit reports

Company response to consumer: Closed with explanation