vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have been wrongfully reported on my credit file. These accounts are not mine, were never authorized, and represent false and damaging information. Their inclusion misrepresents my financial history, undermines the integrity of my credit report, and creates undue harm to my creditworthiness.

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 2025-09-12 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: AZ

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 XXXX ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: NY

Complaint narrative:
I lived in Wisconsin from XXXX - XXXX. Prior to that, I have been a lifelong NY resident. I moved back to NY in XXXX. 
Recoveri ( name of the debt collection company ) called me a few weeks ago, claiming that I owe roughly {$700.00}. This was the very first time I was made aware that I had any kind of debt. They stated that the original bill was from XXXX XXXX, which is located in WI. I told them that I didn't owe anyone money and got off the phone with them. 
I called XXXX and spoke with their accounting department who said I didn't owe them anything. They also informed me that they do not use Recoveri for their debt collection activities. The XXXX in WI is 6 years and the XXXX in NY is 3 years, and NY has the " borrowing statute '' meaning that I am not legally liable for this money, even if it was a real debt. 
I called Recoveri today to tell them to stop contacting me about this debt since the XXXX has expired as I am a NY resident. They stated that I was wrong, that they purchased the debt, and that I owe them this money. I have requested an itemized copy of the original bill from Recoveri, just because I am curious but I will not be sending them any type of money. 

Full address and phone # : Recoveri , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I see a inquiry on my credit file From the date XX/XX/year> that I do not recognize

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 2025-09-12 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: NRA Group, LLC
State: FL

Complaint narrative:
I am filing a complaint against National Recovery Agency and XXXX XXXX XXXX for reporting and maintaining multiple XXXX XXXX that are inaccurate, unverified, and in violation of federal law.

HIPAA Violations : The agency is disclosing and reporting protected medical information without proper authorization, which is a direct violation of HIPAA privacy rules. No permissible purpose exists to share or report my medical information with third parties.

FCRA & Metro 2 Violations : XXXX  and the furnisher are failing to ensure maximum possible accuracy as required under FCRA 602 ( A ), 607 ( B ), and 611. These accounts are being reported with inconsistent, incomplete, and unverifiable information, which also violates Metro 2 data reporting standards.

FDCPA Violations : National Recovery Agency has not provided validation of these alleged debts as required under 15 U.S.C. 809, yet continues to report and attempt collection.

These medical collections are harming my creditworthiness and are being reported illegally. I am demanding that the CFPB require an immediate investigation, that these unverifiable and unauthorized medical collections be permanently deleted from my XXXX XXXX XXXX XXXX  credit report, and that the agency be held accountable for their HIPAA, FCRA, and FDCPA violations.

Additional Details ( Harassment ) : National Recovery Agency has also been sending me repeated, unwanted emails in an attempt to collect these unverified medical debts. These emails are harassing, excessive, and violate the FDCPAs prohibition against harassment and abuse ( 806 ). 

Because these accounts are already unverified and reported illegally, their repeated electronic contact constitutes harassment and further demonstrates noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding inaccurate and inconsistent information being reported on my credit reports.

On my XXXX credit rep ort and XXXX  credit report, a collection account is being reported by IQ Data International in the amount of {$8700.00}. However, this account does not appear on my XXXX  credit report, as shown in the attached documentation. 

I believe this account is being inaccurately reported and may be the result of an error, incomplete reporting, or possible misrepresentation by the furnisher of the information. This discrepancy is harming my credit standing and does not provide an accurate representation of my financial history. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers of information are required to ensure the maximum possible accuracy of the information they report. I am requesting that this matter be investigated promptly, that the reporting entity provide validation of this alleged debt, and that any inaccurate or unverifiable information be removed from my credit reports. 
Attached Documentation : Screenshot of my XXXX  credit report showing the collection from IQ Data International ( {$8700.00} ).

Screenshot of my XXXX  credit report showing no collection accounts.

Screenshot of my Transunion credit report showing the collection from IQ Data International ( {$8700.00} ).

I respectfully request that the CFPB assist in investigating this matter to ensure that my credit reports reflect only accurate and verifiable information. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC.
State: AR

Complaint narrative:
on XX/XX/year>, i received the vehicle title in the mail from superior auto group, even though i had already initiated a voluntary repossession with exeter finance. i immediately emailed both superior and exeter to emphasize the urgency of finalizing the process because i was preparing for military enlistment and needed clarity. 

on XX/XX/year>, i signed and submitted exeters voluntary repossession documents and spoke with a representative by phone. i was told to submit the vehicle title directly to exeter, and that the process would be completed within XXXX business days. i was also told i would receive a confirmation email once resolved. 

i have cooperated fully, including removing the vehicle from my insurance coverage. however, as of XX/XX/year>, my credit score dropped due to negative reporting from exeter. when i logged into my account, there were XXXX updates and no documentation of a sale, itemized payoff, or deficiency balance. 

since XXXX i have had major life changes i changed my plans to enlist and instead began working full-time at XXXX XXXX. i am also preparing to secure housing and need this account resolved correctly and quickly in order to move forward with financial stability. 
i am requesting : ( 1 ) proof of vehicle sale and the date it occurred, ( 2 ) an itemized accounting showing sale proceeds and any deficiency balance, ( 3 ) correction of inaccurate or premature credit reporting, and ( 4 ) a pause on collections/reporting until documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Relay Financial (US), Corp.
State: FL

Complaint narrative:
I was taken into police custody on XX/XX/2025 at XXXX XXXX. A wire transfer was completed from my computer on XX/XX/2025 at XXXX XXXX  to an account that I do not know. I filed a police report, sent the bank the proof of my detainment, and requested that they investigate. 30 days later, the bank told me that the receiving bank stated the funds were no longer there and there is nothing they can do. 

I again emphasized that this was fraud. The bank claimed they were looking into it and almost another 30 days later, they gave me the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: LA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
My current financial values are not reflected in this review.

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 2025-09-12 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:
There was a DATA BREACH on XXXX XXXX ( TRANSUNION ) Consumer Credit Reporting Agency. My personal information was accessed ( * NAME/ * SOCIAL SECURITY/ * DATE OF BIRTH ) without my authorization and as a affect of this DATA BREACH my credit has been accessed resulting in several HARD INQUIRIES. 
_ 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 non-monetary relief
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
I am filing a formal complaint against Transunion for violating the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. I have identified multiple items on my Transunion credit report that are inaccurate, incomplete, and outdated, and I am requesting immediate intervention. Specifically, Transunion is reporting information that does not meet Metro 2 reporting standards. Under FCRA 15 U.S.C. 1681i, Transunion is required to correct or delete any inaccurate information after a full reinvestigation. Additionally, any data that can not be verified through original sources must be removed immediately. Details of Disputed Information : Inaccurate or Unverifiable Accounts : TransUnion is reporting A, which are either incorrect, incomplete, or not properly verified per XXXX XXXX guidelines. Address Issues : There is incorrect address information associated with my file that must be deleted and corrected immediately. I am requesting the following : Immediate removal or correction of all inaccurate, incomplete, or unverifiable data, including but not limited to incorrect accounts, addresses, and personal information. Full reinvestigation of the disputed items, as required by FCRA 15 U.S.C. 1681i. Compliance with Metro 2 standards for all reported data. Written confirmation of any corrections or deletions made, along with supporting documentation proving that Transunion has followed all legal requirements. Complete consumer file disclosure as mandated under 15 U.S.C. 1681g. I do not need to provide identity verification documents or proof of address at this time, as this dispute is based solely on Metro 2 compliance violations and the accuracy of the data being reported. TransUnion failure to meet these standards is a direct violation of my rights under FCRA. Please ensure that TransUnion is held accountable and required to fix these violations within the 30-day period prescribed by law. Failure to comply with Metro 2 standards and FCRA regulations should result in immediate action from your office. Thank you for your prompt attention to this matter. I expect a swift resolution. Documents attached.

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 2025-09-12 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX 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 2025-09-12 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: 21ST MORTGAGE CORP.
State: MS

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX Subject XXXX XXXX XXXX XXXX  Dispute of accurate XXXX XXXX 21st Mortgage Mortgage XXXX Account Dear CFPB Representative, I am writing to formally file a complaint and request an investigation regarding accurate information being deleted by XXXX XXXX XXXX concerning my XXXX XXXX XXXX account with 21st Mortgage Mortgage Corporation. XXXX  recently deleted my real estate 21st Mortgage Account Information : Creditor : 21st Mortgage / XXXXXXXX XXXX XXXXXXXX Original Loan Amount : {$89000.00} Current Balance : {$82000.00} Monthly Payment : {$1100.00} Opened : XX/XX/XXXX Term : 276 months ( 23 years ) Payment History : 100 % on-time payments Last Payment Made : XX/XX/XXXX Current Status : Current, never late Issue : XXXX XXXX XXXX recently deleted this account from my report. My account is in good standing with no late or missed payments. I have consistently made every payment on time since the account was opened. The current balance and payment history should reflect the accurate standing of this mortgage loan. Requested Resolution : Reinsert the reporting of my 21st Mortgage Mortgage Corporation account to accurately reflect : Payment status : Current, never late Accurate balance : {$82000.00} Accurate highest balance : {$89000.00} Accurate monthly payment : {$1100.00} Accurate payment history : 100 % on-time I respectfully request that this matter be investigated promptly and that XXXX XXXX XXXX be directed to correct accurate information. Please notify me in writing once the investigation is complete. Thank you for your assistance in ensuring fair and accurate credit reporting. 
Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: IL

Complaint narrative:
b'THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (late payment, HC: XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX (late payment, 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

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 2025-09-12 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: TX

Complaint narrative:
I am disputing the late payment currently reported on my credit report. My records confirm timely and consistent payments, and this entry is clearly erroneous. Its continued reporting misrepresents my financial behavior and unjustly impacts my credit profile.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief