vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment ( EX ) XXXX - Account Number : XXXX - Balance & Past Due : {$0.00} XXXX XXXX XXXX Account Number : XXXX - Balance & Past Due : {$0.00} XXXX XXXX XXXX Account Number : XXXX - Balance & Past Due : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Balance & Past Due : {$0.00} XXXX XXXX Account Number : XXXX - Balance & Past Due : {$0.00} XXXX XXXX XXXX Account Number : XXXX - Balance & Past Due : {$0.00} XXXX XXXXXXXX - Account Number : XXXX - Past Due : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2025-04-16 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXXIt has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath  which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance: $XXXX XXXX XXXX XXXX Balance: $XXXX XXXX XXXX XXXX XXXX XXXX  Balance: $XXXX XXXX XXXX  Balance: XXXX XXXX XXXX XXXX XXXX Balance: $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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
I am filing a formal complaint against Exeter Finance LLC for deceptive lending practices, false credit reporting, and wrongful repossession of my vehicle following a refinancing transaction that was misrepresented as a new loan. 

On or around XX/XX/XXXX, Exeter Finance refinanced my existing auto loan, which was originally with XXXX XXXX XXXX XXXX. XXXX  reported the loan as Paid and Closed with a {$0.00} balance on my credit file as of XX/XX/XXXX. Despite this, Exeter : Initiated a new loan as if I was buying the vehicle again, disregarding all prior payments made under the original loan ; Failed to credit the equity and payment history from my prior loan ; Claimed I owed a full new balance and began a fresh amortization schedule ; Repossessed my vehicle when I challenged this practice and refused to make payments on the misrepresented terms ; Reported a charge-off and repossession, causing significant and wrongful damage to my credit profile. 

I was never informed that the refinance would void or erase prior payments, and at no point did I consent to being treated as though I were repurchasing the vehicle. This mischaracterization is both fraudulent and predatory. Exeters actions amount to : Breach of Contract Violation of the Fair Credit Reporting Act ( FCRA ) Violation of the Truth in Lending Act ( TILA ) Unfair, Deceptive, or Abusive Acts or Practices ( UDAP ) I have attempted to resolve this matter directly with Exeter, and I have already disputed the item with the credit bureaus. The original lender shows the loan was paid and closed, contradicting Exeters justification. 

I request that the CFPB : Investigate Exeter Finances loan structuring and reporting practices ; Require Exeter to remove the repossession and charge-off from all credit reporting agencies ; Compensate for the wrongful repossession and loss of vehicle ; Penalize Exeter for deceptive practices affecting not only me but potentially others similarly targeted. 

I am requesting an urgent review and enforcement action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX U.S. CXXXX XXXXb Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MN

Complaint narrative:
As you can see from the documentation, the bank already cleared this matter up but is still asking for the balance and also is reporting the full balance due and negative of my credit bureaus. Horrible customer service ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: GA

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. 

XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX Unknown - XXXX List of Unauthorized Inquiries : XXXX  - XXXX 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: GA

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. 

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 * List of Unauthorized Inquiries : XXXX 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 2025-04-16 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-16 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: PA

Complaint narrative:
delete debt its inaccurate across all credit bureaus. ( 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 2025-04-16 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-16 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
CFPB Complaint - Receivable Management Group ( RMG ) Debt Collection Violation Complainant : XXXX XXXX Date : XX/XX/year> Subject : Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Failure to Respond to Validation Request To Whom It May Concern, I am filing a formal complaint against Receivable Management Group ( RMG ) for violating the Fair Debt Collection Practices Act ( FDCPA ) and failing to respond to multiple lawful requests regarding an alleged debt they are attempting to collect from me. 
Timeline of Events : On XX/XX/year>, I sent RMG a debt validation request and cease-and-desist letter via regular USPS mail. While regular mail was a mistake, the letter was properly addressed and included my return address both inside and on the envelope. 
This letter requested : o Verification of the alleged debt o The name of the original creditor o Proof of the agencys legal authority to collect the debt o A copy of the original contract or assignment of the debt o That all communication be conducted via USPS mail only RMG failed to respond within the 30-day period required by the FDCPA. As of XX/XX/year>, I had received no documentation, communication, or validation of the debt. 
On XX/XX/year>, I sent a follow-up letter via USPS Certified Mail reasserting that, due to their non-compliance, the debt is now invalid and can not be collected. I explicitly stated that all collection activities must cease, including credit reporting and attempts to collect the debt. 
Violations Identified : Failure to validate the debt as required under FDCPA Section 809 ( b ) Failure to cease collection activities until validation was provided Failure to respond in a timely manner to both written requests Potential deceptive practices if collection efforts continue without proper validation Sincerely, 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 2025-04-16 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: PA

Complaint narrative:
b'This is my other requests to tell you that I am a XXXX of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.\nXXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX**** Balance:        $0.00\nXXXX XXXX XXXX**** Balance:        XXXX XXXX XXXX**** Balance:        XXXX XXXX****         Balance:        XXXX XXXX XXXX**** Balance:        XXXX XXXX XXXX**** Balance: XXXX \nXXXX XXXX**** Balance: XXXX XXXX XXXX XXXX**** Balance: 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 2025-04-16 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: MI

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report two closed accounts on my credit report that should be fully removed due to inaccurate and incomplete reporting. The accounts are as follows : 1. XXXXXXXX XXXX Secured Credit Card ( Account # : XXXX ) XXXX. XXXXXXXX XXXX XXXXXXXX ( Collection Account ) Background : Both accounts were closed XXXX by the original creditor and the other by the collection agency. Despite being closed, they continue to appear on my credit report with TransUnion with ongoing negative reporting activity, including : Balances and past due amounts after closure Post-closure reporting dates, which falsely imply continued delinquency Lack of clear or complete payment history to justify any derogatory remarks Failure to reflect {$0.00} balances, which is required under Metro 2 standards for closed accounts ( unless charged-off or in legal status, which neither of these accounts are currently shown as ) Dispute History : I have already submitted disputes to TransUnion regarding both of these accounts. Rather than correcting or removing the inaccurate information, TransUnion merely updated the status to closed while continuing to report harmful and misleading information.

This violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : 602 ( A ) : Accuracy and fairness in credit reporting 607 ( b ) : Reasonable procedures to assure maximum possible accuracy 609 ( a ) ( 1 ) : Right to know the source of information 611 : Right to dispute inaccurate or unverifiable information Additionally, the credit data being reported does not comply with Metro 2 Compliance Guidelines regarding account status, date of last activity, and balance reporting post-closure.

Fair Resolution Requested : As a fair and just resolution, I am requesting that both of these accounts be completely removed from my TransUnion credit report immediately. The continued reporting of these closed accounts is misleading, harmful to my creditworthiness, and not aligned with federal law or industry reporting standards.

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate TransUnions failure to properly handle my dispute and to enforce compliance with the FCRA and Metro 2 reporting 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 2025-04-16 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: HI

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  XXXX * * * * Balance : {$13000.00}

Company response to consumer: Closed with non-monetary relief