vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account number : # XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) and 1681i ( reinvestigation ), I dispute the reporting of the Auto Loan listed above across Equifax, Experian, and TransUnion. The same account is being reported with multiple discrepancies, which proves that at least one bureau is reporting inaccurate and misleading data. Unless all discrepancies are corrected with competent evidence provided by the furnisher, the account must be deleted under 1681i ( a ) ( 5 ) ( A ). 
Itemized discrepancies among the three bureaus : High Balance Equifax : {$9600.00} Experian : {$29000.00} TransUnion : {$29000.00} Date of Last Activity Equifax : XX/XX/XXXX Experian : XX/XX/XXXX TransUnion : XX/XX/XXXX Last Payment Equifax : XX/XX/XXXX Experian : XX/XX/XXXX TransUnion : XX/XX/XXXX Date Reported Equifax : XX/XX/XXXX Experian : XX/XX/XXXX TransUnion : XX/XX/XXXX Closed Date Equifax : not reported Experian : not reported TransUnion : XX/XX/XXXX Last Verified Equifax : not shown Experian : not shown TransUnion : XX/XX/XXXXXXXX  Creditor Remarks Equifax : Charged off account / Auto. 
Experian : Merchandise was taken back by credit grantor ; there may be a balance due. / Unpaid balance reported as a loss by the credit grantor. 
TransUnion : Charged off as bad debt / Profit and loss write-off. 
These material differences ( balance, dates, remarks ) prove that the reporting is not accurate, not consistent, and therefore in violation of FCRA 1681e ( b ).

Requested action ( for all three bureaus ) : Conduct a full reinvestigation under 1681i ( a ) and obtain documented verification from the furnisher, including payment history, last activity, last payment, actual charge-off date, repossession details, and original balance.

Correct every inconsistent field so all three credit bureaus reflect the same verified and accurate information. 
If the information can not be fully verified and corrected, the account must be deleted from my credit file under 1681i ( a ) ( 5 ) ( A ).

Provide me with the results of the reinvestigation and the method of verification as required by 1681i ( a ) ( 6 ) ( 7 ).

Because the three bureaus currently report different and conflicting information for the exact same account, this record is inherently unreliable and must be corrected or removed to comply with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account number : # XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) and 1681i ( reinvestigation ), I dispute the reporting of the Auto Loan listed above across Equifax, Experian, and TransUnion. The same account is being reported with multiple discrepancies, which proves that at least one bureau is reporting inaccurate and misleading data. Unless all discrepancies are corrected with competent evidence provided by the furnisher, the account must be deleted under 1681i ( a ) ( 5 ) ( A ). 
Itemized discrepancies among the three bureaus : High Balance Equifax : {$9600.00} Experian : {$29000.00} TransUnion : {$29000.00} Date of Last Activity Equifax : XX/XX/XXXX Experian : XX/XX/XXXX TransUnion : XX/XX/XXXX Last Payment Equifax : XX/XX/XXXX Experian : XX/XX/XXXX TransUnion : XX/XX/XXXX Date Reported Equifax : XX/XX/XXXX Experian : XX/XX/XXXX TransUnion : XX/XX/XXXX Closed Date Equifax : not reported Experian : not reported TransUnion : XX/XX/XXXX Last Verified Equifax : not shown Experian : not shown TransUnion : XX/XX/XXXXXXXX  Creditor Remarks Equifax : Charged off account / Auto. 
Experian : Merchandise was taken back by credit grantor ; there may be a balance due. / Unpaid balance reported as a loss by the credit grantor. 
TransUnion : Charged off as bad debt / Profit and loss write-off. 
These material differences ( balance, dates, remarks ) prove that the reporting is not accurate, not consistent, and therefore in violation of FCRA 1681e ( b ).

Requested action ( for all three bureaus ) : Conduct a full reinvestigation under 1681i ( a ) and obtain documented verification from the furnisher, including payment history, last activity, last payment, actual charge-off date, repossession details, and original balance.

Correct every inconsistent field so all three credit bureaus reflect the same verified and accurate information. 
If the information can not be fully verified and corrected, the account must be deleted from my credit file under 1681i ( a ) ( 5 ) ( A ).

Provide me with the results of the reinvestigation and the method of verification as required by 1681i ( a ) ( 6 ) ( 7 ).

Because the three bureaus currently report different and conflicting information for the exact same account, this record is inherently unreliable and must be corrected or removed to comply with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: VA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$6900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$5900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$4300.00} Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: VA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$6900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$5900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$4300.00} Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MD

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX and Experian. I disputed a collection account that originated from an auto loan with Exeter Finance. During the XXXX pandemic, my employment became inconsistent and ultimately ended, which led to financial hardship. I voluntarily surrendered the vehicle because I could no longer afford it. 

The lender later sold the vehicle at auction, yet they are now pursuing the remaining deficiency balance. This account is being reported by both the original lender and the debt buyer, creating duplicate reporting and unfair damage to my credit profile. Despite explaining my situation, the account remains with a comment stating consumer disagrees. 

I believe this account is inaccurately reported and should be removed under FCRA guidelines. I am requesting the CFPB investigate this matter and ensure fair treatment of pandemic-related delinquencies and deficiency balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I am submitting this new complaint, linked to the previous one ( Case Number XXXX ), because MoneyGrams response does not resolve my reimbursement request and provides no transparency about the status of my claim. 

MoneyGram acknowledges that money order # XXXX for {$830.00} was fraudulently cashed by a third party. In response, the company required me to : Complete and submit a notarized affidavit. 

Pay a {$35.00} processing fee. 

I complied fully : I received the affidavit, completed it, had it notarized, and sent it together with the {$35.00} payment via XXXX, tracking # XXXX, as proven by the attached receipt. ( Note : in my feedback on the first complaint I mistakenly wrote XXXX ; the shipment was through XXXX, which the tracking confirms ). 

MoneyGram even assigned its own internal reference to this matter ( Case Number XXXX ), which confirms that the company formally registered my claim in its system. 

I also attach : A copy of the {$35.00} money order I paid to MoneyGram.

A copy of the prior CFPB complaint.

Despite my full compliance, MoneyGram has not confirmed : Receipt of my documentation.

Whether the case was referred to the paying bank.

The identity of the bank or details of the investigation.

The status or final outcome of the claim.

The response I received was vague, merely acknowledging the fraudulent cashing of the money order ( which they already knew from the beginning, since they themselves provided the copy of the cashed item ), but offering no resolution process or clear path to recover my funds.

It is unacceptable that, after meeting every requirement imposed by MoneyGram, the company neither confirms receipt nor provides any resolution. This lack of transparency and absence of a defined procedure is an abusive practice that leaves the consumer defenseless, even though the company itself admits the money order was fraudulently cashed.

I request that the CFPB : Ensure MoneyGram confirms receipt of my documentation and clearly states the status of the investigation.

Require MoneyGram to establish a transparent, documented, and accessible procedure for money order fraud cases, as the absence of clear rules harms not only my case but any consumer in a similar situation.

Order MoneyGram to reimburse me the {$830.00} from the fraudulent money order, as well as the {$35.00} processing fee, without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Helps my rights are being violated. 15 USC 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts I've referenced are not 100 % accurate. Until you provide competent evidence tht validates the debt-incluiding a signed agreemente, full account history and verification of your authoritu to collect-you must cease all collecion efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4700.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2600.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX XXXX Balance : {$7800.00}

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 non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My problem with this XXXX  XXXXXXXX XXXX XXXX  is Bank of America never sends payment due reminders and it is difficult to setup autopay. I never know when a payment is due and autopay is non existent.

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 monetary relief
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
I am filing this complaint because my credit report contains accounts that are inaccurate and do not comply with the Fair Credit Reporting Act ( FCRA ). I am requesting an investigation and the deletion of these accounts, as the information being reported is erroneous, incomplete, and causing financial harm XXXXXXXX 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 2025-08-16 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: NJ

Complaint narrative:
I am writing to dispute and demand reinvestigation of fraudulent accounts that were previously deleted from my Equifax credit file but have since been reinserted without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ).

The fraudulent accounts in question are : Creditor Name : XXXX XXXX XXXX Date Opened : XX/XX/year> Total Fraudulent Amount Reported : {$11000.00} These accounts were deleted from my Equifax credit report, yet they have now reappeared. Under the FCRA, Equifax must notify me in writing within XXXX business days of any reinsertion and provide the furnishers certification of accuracy. To date, I have not received any such notice. 

Accordingly, I demand that Equifax : Immediately delete these XXXX XXXX accounts if proper reinvestigation and certification were not completed prior to reinsertion. 

Provide me with the full name, address, and telephone number of the furnisher ( XXXX XXXX ) who allegedly verified the accounts accuracy. 

Supply copies of all documents, records, and communications Equifax relied upon in deciding to reinsert these accounts. 

These are fraudulent accounts, and their reinsertion without proper notice is a direct violation of my consumer rights. If Equifax does not comply, I will escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to pursue legal action for statutory damages under 15 U.S.C. 1681n and 1681o.

Please provide a written response within 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion said they already fixed the issue. However it seems that I still have many credit loans still assigned under my mothers name. My credit score has disappeared and they have done nothing to fix this issue. Ive been trying to have this fixed for months. Ive been having credit for years and have active loans. I have active credit cards, student loans, and an auto loan under my name. My credit score disappeared due to negligence of my loans being mixed under my mothers due to similar names and address. This is unacceptable as Im unable to find housing due to no credit score under my name. When I check my credit score it says its unavailable.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
In XXXX, I opened an XXXX XXXX XXXX XXXX with a {$250.00} annual fee. 
XXXX XXXX charged me {$250.00} in XXXX XXXX  and again {$250.00} on XX/XX/XXXXXXXX  as renewal fees without providing advance notice or giving me the option to cancel. 

When I discovered the most recent charge in XX/XX/XXXX, I immediately contacted XXXX XXXX and requested : Closure of my account. 

A refund of the renewal fee ( s ). 

They closed my account but refused to refund the fees. I also requested access to my XXXX  account statements to confirm the earlier renewal charge, but they denied my request, leaving me without access to my own records. 

I have been pursuing this issue for almost 11 months, and XXXX XXXX continues to avoid responsibility. I believe this is unfair and deceptive : charging fees without notice, refusing refunds, and withholding account statements.

Company response to consumer: Closed with monetary relief