vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
-List all accounts 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 15 U.S Code 1636 15 U.S Code 1692g I looked at my Experian credit report on ( XX/XX/2025 ) and noticed some things are incomplete and not accurate. 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 supposed to do this ( XXXX ) Treatment of Inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate of 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 result 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. 

According to 15 USC 1681s-2 they are supposed 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 2025-06-28 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am disputing multiple late payments on my credit file that are being reported inaccurately by several creditors, including Capital One, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of these accounts list me as an authorized user, and I should not be held liable for those delinquencies. 

Additionally, I submitted disputes and goodwill requests but received no valid documentation verifying the legitimacy of the negative information. Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) and 1681i ( a ), the furnishers of credit information must investigate and report accurately. 

My credit has been seriously impacted by what I believe are either inaccurate, unverifiable, or unfairly attributed late payments, and I am requesting that these items be removed or corrected based on the lack of validation and proper investigation. These payments are affecting my ability to qualify for housing and essential financial resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I am disputing multiple late payments on my credit file that are being reported inaccurately by several creditors, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of these accounts list me as an authorized user, and I should not be held liable for those delinquencies. 

Additionally, I submitted disputes and goodwill requests but received no valid documentation verifying the legitimacy of the negative information. Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) and 1681i ( a ), the furnishers of credit information must investigate and report accurately.

My credit has been seriously impacted by what I believe are either inaccurate, unverifiable, or unfairly attributed late payments, and I am requesting that these items be removed or corrected based on the lack of validation and proper investigation. These payments are affecting my ability to qualify for housing and essential financial resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
Subject : Formal Complaint Against Exeter Finance Charge-Off Reporting and Failure to Issue IRS Form 1099-C To Whom It May Concern, I am submitting this letter as a formal complaint against Exeter Finance LLC regarding the handling of an auto loan that has been charged off and is currently being reported on my credit file. 

The company has marked the loan as charged off, which indicates that the debt has been written off as a loss for accounting purposes. According to IRS Code 26 U.S.C. 6050P, any financial institution that discharges {$600.00} or more in indebtedness is required to file IRS Form 1099-C and provide the debtor with a copy of the form for tax purposes.

Despite the charge-off, I have not received a 1099-C form from Exeter Finance, nor have I been informed of any official discharge or cancellation of the debt. If the debt was forgiven and reported to the IRS, it should no longer be legally collectible, and continuing to list or attempt to collect the balance could potentially violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the CFPB to investigate the following issues : 1. Whether Exeter Finance has canceled or discharged the debt and failed to provide the appropriate IRS Form 1099-C.

2. Whether Exeter Finance is inappropriately continuing to report a balance on a charged-off account that may no longer be legally owed.

3. Whether Exeter Finance is in violation of consumer protection laws by not providing clarity or transparency regarding the debts current legal status. 

This situation has impacted my creditworthiness and caused confusion about my financial obligations. I respectfully ask that the CFPB take appropriate action to review this complaint and ensure that Exeter Finance is operating in compliance with federal regulations.

I am happy to provide supporting documentation upon request, including credit reports and any communications from Exeter Finance. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX Last 4 social : XXXX Exeter Finance LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Starmark Financial LLC
State: TX

Complaint narrative:
On or around XX/XX/year>, I disputed a collection account reported by Starmark Financial through XXXX. I challenged the accuracy of the balance and whether Starmark had valid documentation to report this account. XXXX  marked the item as verified without providing any supporting evidence from Starmark Financial. The account remained unchanged, and I received no proof or validation. This violates FCRA Section 611, which requires the furnisher and the bureau to fully investigate and substantiate disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
They refused to honor the original XXXX payment plan after I already paid over half the balance, then inflated it to over {$1100.00} with 179 % APR and refused to negotiate a fair settlement. I have paid almost {$800.00} out of the {$1300.00} and I got my debt raised to {$1100.00} because the promotional time limit expired

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: A-1 Premium Acceptance, Inc.
State: KS

Complaint narrative:
XX/XX/year> : revoked authorization for ACH and debit card access to bank account using company form XX/XX/year> : Lender attempted withdraw of {$880.00}. Email sent to lender with no response received. 
XX/XX/year> : Lender attempted withdrawal of {$290.00}. Email sent to lender with no response. 
XX/XX/year> : Lender attempted withdraw of {$820.00}. 
XXXX XXXX : Lender attempted withdrawal of {$290.00}. 
XX/XX/XXXX. XXXX  : Lender attempted withdraw of {$250.00}. 

Lender has continued to attempt access and withdrawals to my account despite stating they have checked my account and cleared payment methods on file. I was forced to close my card because they were causing fees to be charged for insufficient funds. 

Lender has refused to respond to my emails. I received a very obvious AI voice recorded call claiming to be the head of the lender, XXXX XXXX and wanting to negotiate my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Tn XXXX XXXX XX/XX/XXXX SSN # XXXX XXXX XXXX XXXX Account # XXXX I requested the verification, disclosure for this the company still have not provide to me this company has been reporting account since XXXX the state of Tennessee has a reporting requirements of 6 years of reporting this account is unverifiable and invalid. The company had 15 days under Fair Credit Reporting Act ( FCRA ) from the date they receive the dispute furnishing inaccurate unverifiable accounts is consider fraud. violate 1U.S.C.1681 s-2 ( a ) ( 3 ) violates 15 U.S.C. 1681e ( b ) follow reasonable to assure maximum possible of Accuracy this account is violates 15 u.s.c.1692e ( 8 ) Misleading information about this account

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Tn XXXX XXXX XX/XX/XXXX SSN # XXXX XXXX XXXX XXXX Account # XXXX I requested the verification, disclosure for this the company still have not provide to me this company has been reporting account since XXXX the state of Tennessee has a reporting requirements of 6 years of reporting this account is unverifiable and invalid. The company had 15 days under Fair Credit Reporting Act ( FCRA ) from the date they receive the dispute furnishing inaccurate unverifiable accounts is consider fraud. violate 1U.S.C.1681 s-2 ( a ) ( 3 ) violates 15 U.S.C. 1681e ( b ) follow reasonable to assure maximum possible of Accuracy this account is violates 15 u.s.c.1692e ( 8 ) Misleading information about this account

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 2025-06-28 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: KS

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : REINVESTIGATION REQUEST | CONCERNS OVER UNNECESSARY DELAY AND STALL TACTICS | FCRA 1681i COMPLIANCE Dear Equifax Investigations Department, I am writing to formally address what appears to be a pattern of unnecessary delay and stall tactics in Equifax 's handling of my previous dispute request.

I recently submitted a comprehensive dispute packageincluding proof of identity, a detailed dispute letter, police report, FTC affidavit, and other supporting documentsin accordance with the Fair Credit Reporting Act ( FCRA ). Despite providing everything required, I received a response from Equifax requesting the exact same documentation again, which had already been included in my original correspondence.

This repetition appears to be a bad faith attempt to delay the investigation process, and it is inconsistent with your obligations under FCRA 1681i, which requires a reasonable reinvestigation within 30 days of receiving a proper dispute.

Immediate Actions Requested : Reinvestigate Previously Disputed Inquiry Creditor/Institution : [ Name of company ] Date of Inquiry : XX/XX/year> This inquiry was disputed due to its fraudulent nature and lack of permissible purpose. I am requesting an immediate reinvestigation and proper documentation of how and why this inquiry was deemed permissible. 

I received a call from XXXX XXXX XXXX  in XXXX XXXX Kansas. An account was attempted to be opened in my name. I spoke with XXXX XXXX XXXX XXXX Representative E-mail : XXXX Phone : XXXX Fax : XXXX. I am a victim of Identity Theft and it is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am listed as a joint account holder on a Wells Fargo account I never used or consented to manage. The account is operated exclusively by my XXXX XXXX XXXX, who resides in New Jersey. We have been legally divorced for nearly XXXX years, and I currently live outside of NJ I never activated my debit card, never accessed online banking, and have never received any emails, alerts, or documents related to this account. Wells Fargo can confirm in their records that I have had no activity on the account.

Recently, the account became overdrawn, and I am being contacted and held financially responsible for actions I never made. I visited Wells Fargo and was told the Change of Relationship form must be completed by the other account holder, who refuses to cooperate.

This situation is unfair, distressing, and may affect my credit. I am also now legally married to someone else and have built a new life.

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 2025-06-28 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: TN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-28 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: TN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief