vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC.
State: KS

Complaint narrative:
I financed a vehicle with Exeter Finance over a year ago. I did not see any numbers, interest rate, etc. before my old vehicle was cleaned out and I was in the finance office. First, illegal interest rate. 

I have asked numerous times to work something out to lower my payments with nothing received except putting payments at the end of my loan to add additional interest and time to pay off my vehicle. 

I have also been XXXX XXXX since XXXX of XXXX when my XXXX  started running really low and major issues with my XXXX. My care team at XXXX XXXX XXXX can not seem to find what is wrong and are referring me to XXXX XXXX. My XXXX generally runs between XXXX, obviously the low end being very dangerous. The last 2 months this has been happening more often. 

I am behind on my car payment with Exeter and since XX/XX/XXXX I have received 45 phone calls and 12 voicemails ( not always identifying who they are and where they are calling from, nor that they are " calling regarding a debt ). '' This has caused me a tremendous amount of extra stress, XXXX  and depression and contributes to my XXXXXXXX XXXX XXXX 

I have printed and saved all proof, but the files are too large ( even compressed ) to attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft since 2014. My personal information was also shared in the Equifax data breach. There are many inquiries and accounts that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : SUNRISECRED ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$3300.00} Date Opened : XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
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 2025-04-02 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: GA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: MI

Complaint narrative:
Im a victim of identity thief and have been since 2020 and accounts and addresses I never lived at have been added to my report. this is stressing me out.

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 2025-04-02 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: WA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-02 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-04-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Civil Liability and Negligence under 1681 O Noncompliance Dear Sir/Madam, I am writing to formally dispute an issue related to my credit report under the Fair Credit Reporting Act ( FCRA ), specifically regarding the claim of 1681 O Civil Liability Negligence Noncompliance.I believe this entry is inaccurate, incomplete, or otherwise violates the FCRA requirements. 
Upon reviewing my credit report from Equifax, I noticed the reference to this alleged civil liability negligence noncompliance. I request that you provide me with a detailed explanation, including : 1. The nature of this claim and any supporting documentation regarding the negligence and noncompliance mentioned. 
2. A full explanation of how this issue arose and whether it relates to any action on my part or third parties. 
3. Any attempts made to resolve this matter before it was reported. 
4. A copy of any relevant court records or legal documentation that support the claim. 
As per the Fair Credit Reporting Act, I am requesting that you thoroughly investigate this matter, correct any inaccuracies, and provide me with written confirmation of the results. I ask that you either : Remove the claim from my credit report if it is found to be inaccurate or noncompliant, or Provide substantiated documentation proving the validity of this claim. 
Please complete your investigation within the 30-day period prescribed by the FCRA. If further documentation is needed from my end, I am happy to provide it promptly. 
I would appreciate your timely attention to this matter. If you have any questions or need additional information, please do not hesitate to contact me directly at XXXX or via email at XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.

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 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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 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 2025-04-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
A HELOC opened in XXXX it was charged off in XXXX. 

Over a decade later, XXXX XXXX XXXX XXXX XXXX/NewRez/Shellpoint and its predecessor XXXX XXXX XXXX  XXXX unlawfully inflated mortgage balances, failed to provide legally required monthly mortgage statements, and wrongfully pursued collection and foreclosure efforts. 

These companies have violated the Federal Trade Commissions Truth in Lending Act by not providing periodic or monthly statements. 

Furthermore, this debt was a HELOC. 

Because a HELOC does not establish a fixed debt obligation at loan origination, HELOCs are not negotiable instruments. 

Unlike negotiable notes, non-negotiable promissory notes, such as HELOCS, are not self-authenticating. This party has no grounds to foreclose on a non-negotiable promissory note that is non self-authenticating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: Experian Information Solutions Inc.
State: CO

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 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is a follow-up complaint regarding Experians failure to correct inaccurate personal information in my credit file. I previously submitted a request with valid identification and supporting documentation, asking for the deletion of inaccurate and outdated previous addresses, as well as an update to reflect my correct legal name. Despite this, those previous addresses remain on file, and the name on my credit file has not been properly updated. Under the Fair Credit Reporting Act, Experian is required to ensure the maximum possible accuracy of the information it reports, as outlined in 15 U.S.C.1681e ( b ). I am requesting the Consumer Financial Protection Bureaus assistance to ensure that Experian deletes the outdated address information and updates my credit file to reflect my correct name, as supported by the documentation I previously submitted.

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 2025-04-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: CA

Complaint narrative:
I tried to log into my account but was prompted to call a phone number. No one answer the phone and I can not access account. Have to pay rent by 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 2025-04-02 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: TX

Complaint narrative:
The problem is with Trans Union Credit Reporting. They dropped my credit score XXXX points in XXXX because of a collection that was added to my account for a student loan with a company named XXXX. I contacted XXXX to find out what was going on. I was told they had no record of me ever having an account with them and the showed nothing reported to the credit agencies. 
I spoke with Trans Union and they said there is no way for them to change what my credit report reflects. After a few days went by I spoke with Trans Union again and I was told even if the Navient account was incorrect they would not correct my score because I have no history on credit report and that was one of the reasons they dropped my score XXXX points. I told them XXXX has not dropped my score, XXXX XXXX has not dropped my score, and a third party company I used to check my credit score showed it at XXXX just like the other two companies did. 
They refused to do anything about and said it was going to stay the way it is. I am trying to work on my credit report so I can get an apartment but with Trans Union dropping my score is only making it harder. My credit score was at XXXX with Trans Union for XXXX years and then all of a sudden they drop my score XXXX points. It makes no sense especially since the other reporting agencies have not dropped my credit score. The people I deal 's with at Trans Union were rude and showed no concern about the situation.

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 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
My Apple Card account was suddenly closed on XX/XX/year>, with no prior notice or opportunity to respond. The only explanation provided was a vague claim of failure to comply with the Customer Agreement. I have never missed a payment, never made a late payment, and have no knowledge of any violation. I requested clarification by phone, but no specific provision of the agreement was cited. 

I followed up with Apple Card Support in writing to dispute the closure and requested a detailed explanation. So far, I have received no response. 

This action appears arbitrary and may violate federal consumer protection laws and fair lending standards. I am requesting that the CFPB investigate this matter, ensure that my credit report is not negatively impacted, and assist in obtaining a written justification from Goldman Sachs for the account closure. 

Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NJ

Complaint narrative:
Equifax has knowingly and unlawfully continued to report the XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), without providing the legally required written notice, in clear violation of the FCDARA 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). This is not a mistake, nor is it a simple oversightit is a deliberate, willful, and severe violation of federal law, and an intentional infringement on my rights as a consumer. It is unconscionable that Equifax would reinstate this account on my report without notifying me as required by law. In addition to this, Equifax has persisted in reporting two XXXX XXXX XXXX XXXX XXXXXXXX and XXXX ) accounts that I have already disputed and requested be removed. Both of these accounts have been deleted by XXXX and XXXX, who have complied with my requests after thorough disputes. However, Equifax has chosen to continue including these inaccurate and unauthorized accounts on my credit report, despite the fact that they have no legal grounds to do so. This action by Equifax represents a blatant and flagrant violation of the Fair Credit Reporting Act ( FCRA ). Specifically, it violates 1681i ( b ), which mandates that credit reporting must be as accurate as possible, and 1681b, which strictly prohibits the reporting of any account without a permissible purpose. Equifax has no permission, no authorization, and no written consent to continue reporting these accounts. By allowing these fraudulent accounts to remain on my credit file, Equifax is violating my legal rights and exacerbating the harm done by identity theft. I did not authorize these accounts to be opened, nor do I give any consent for them to be reported. These actions are reckless and unlawful, causing damage to my credit and subjecting me to the ongoing consequences of identity theft. I demand that Equifax immediately remove these accounts from my credit report, as they do not meet the necessary legal standards for inclusion. If these accounts are not removed promptly, I will have no choice but to pursue further legal action. REMOVE THESE ACCOUNTS NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: MA

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 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