vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$8200.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3000.00} INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-10-21 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:
I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX This is not mine. I am a victim of a recent XXXX XXXX and I have included a XXXX report. Please investigate and remove from my credit report. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX This is not mine. I am a victim of a recent XXXX XXXX and I have included a police report. Please investigate and remove from my credit report. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX This is not mine. I am a victim of a recent XXXX XXXX and I have included a XXXX  report. Please investigate and remove from my credit report. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX This is not mine. I am a victim of a recent XXXX XXXX  and I have included a XXXX  report. Please investigate and remove from my credit report. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX This is not mine. I am a victim of a recent XXXX XXXX  and I have included a XXXX  report. Please investigate and remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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 following accounts are fraudulent and I want these removed from my credit report immediately 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 non-monetary relief
Consumer complaint received 2025-10-21 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: Exeter Finance, LLC.
State: IA

Complaint narrative:
In XX/XX/year>, I settled my account with Exeter XXXX for less than the full balance as agreed. The account was paid and closed with a {$0.00} balance. I have documentation showing that the settlement payment was accepted and processed by Exeter. 
However, Experian and Exeter continues to report this account as charged off with a balance due. This is inaccurate and misleading. 
I filed a dispute with Experian to on XXXX XXXX. Experian responded that the account was verified as accurate, but no changes were made. I then contacted Exeter directly with proof of settlement and payment, but the tradeline remains unchanged. 
I am submitting this complaint because Exeter XXXX has failed to accurately update or remove this account as required by the Fair Credit Reporting Act ( FCRA ). The information being reported is not complete or correct and continues to harm my credit. 

I am requesting that the inaccurate Exeter XXXX tradeline be deleted entirely from all credit bureaus ( XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Rental 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:
Dear Credit Bureau XXXX Department, I am writing to dispute an inaccurate account that appears on my credit report, listed as a debt from XXXX XXXX Apartments. The account claims I owe a balance for an apartment that I never lived in or occupied. 

This information is completely incorrect and misleading, and I am requesting an immediate investigation under the Fair Credit Reporting Act ( FCRA ). I have never signed a lease, moved into, or taken possession of any unit at XXXX XXXX XXXX. Therefore, I am not legally responsible for any balance, charges, or collection activity tied to that property. 

I am requesting that this account be removed from my credit report immediately unless the creditor can provide verified documentation showing : XXXX. A lease agreement with my signature, XXXX. Proof of move-in or occupancy, and XXXX. A full payment history directly linking me to the alleged debt. 

If such verification can not be provided, the FCRA requires this information to be deleted from my credit file. 

Please confirm receipt of this dispute and notify me in writing of the results of your investigation. I have included copies of my identification and a recent utility bill to verify my identity. 

Thank you for your time and prompt attention to 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 explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate and/or unverifiable information on my XXXX  credit report. 
Please investigate, verify, and delete or correct the following items within XXXX days per XXXX XXXX 
XXXX ( a ) ( XXXX ) ( A ) and XXXX ( b ). 
XXXX. XXXX Account XXXX XXXX XXXX XXXX XXXX Massachusetts Account # : XXXX * * * * Opened : XX/XX/year> Reported : XX/XX/year> Balance : {$450.00} Status : Collection / Derogatory Issue : I have no verified contract or obligation with XXXX Account XXXX. The furnisher has not provided proof of ownership or signed documentation authorizing this collection. This item may be linked to identity misuse, as my file contains active fraud alerts. 
Request : Delete this account immediately under XXXX ( XXXX XXXX  ) and XXXX ( a ) ( XXXX ) ( A ) due to lack of verified evidence and possible identity compromise. 
XXXX. XXXX Credit Card Account XXXX XXXX XXXX * * * * Reported late XXXX days in early 2025 Issue : Payment history is inaccurate and inconsistent across bureaus. I made on-time payments, and the late marking conflicts with other reporting dates. This violates the FCRAs requirement of maximum possible accuracy. 
Request : Update payment history to Paid/Current or delete the tradeline entirely under XXXX ( b ) and XXXX ( a ) ( XXXX ). 
XXXX. Bankruptcy ( Chapter XXXX ) Reported on or around XXXX Linked accounts : Bank XXXX XXXX, XXXX Issue : This public record may be incomplete or outdated. Please provide the exact source, court, and verification method used. If you can not provide verifiable documentation, this record must be deleted. 
Request : Provide full method of verification per XXXX ( a ) ( XXXX ) ( B ) ( iii ) or remove the record for failure to verify. 
I request : XXXX. Full reinvestigation of each item listed. 
XXXX. Deletion of any unverifiable or identity-theft-related information. 
XXXX. Written confirmation of results within XXXX days. 
XXXX. A copy of the method of verification and the furnishers contact details. 
Ive enclosed copies of my ID and proof of address for verification purposes. 
Please send all replies in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under XXXX  XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX DIVIDEND - XXXX * * * * * * XXXX ALLY FINCL - XXXX * * * * * * XXXX XXXX MTR - XXXX * * * * * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX BANK - XX/XX/year> 2023

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 2025-10-21 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: DE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Accounts Management, Inc
State: SD

Complaint narrative:
XXXX  XXXX XXXX ( XXXX ) is owned by XXXX XXXX in South Dakota. 

They decided to send our account to XXXX and now we've received a notice that they'll be taking us to small claims. We have tried working with them before this. 

We have tried calling them back, but none of the provided numbers worked. When we finally found XXXX that worked they transferred us to an XXXX workers voicemail that never called us back. They ignore us or make us run in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
FAIR COLLECTIONS & OUTSOURCING XXXX XXXX XXXX # XXXX XXXX, MD XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XX/XX/year> XXXX Dear FAIR COLLECTIONS & OUTSOURCING, Re : XXXX Request for Investigation under FCRA XXXX ( XXXX XXXX Code XXXX ) I am contacting you because I have found some information that is inaccurate on my credit report. 

This account contains information that does not match my records and is being reported incorrectly. Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( XXXX XXXX Code XXXX ), you are required to conduct a * * reasonable investigation * * of this dispute and delete any information that can not be verified. 

This item reported as a charge-off doesn't match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 

Furthermore, per FCRA XXXX and XXXX, all information in my credit file must be * * complete and accurate. * * Please complete this investigation within the XXXX window required by federal law and provide me with a copy of the results. 

The items in question are : XXXX After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, 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 2025-10-21 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ MOHELA/DOFED ] Account Number : [ 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 2025-10-21 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : MIDLANDCRE - XXXX * * * * * * * XXXX MIDLANDCRE - XXXX * * * * * * * XXXX MIDLANDCRE - XXXX * * * * * * * XXXX XXXX - XXXX * * * * * * * * * * * * * XXXX CB/EXPRESS - XXXX * * * * * * * * * * * * * * XXXX XXXX XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX NORDSTROM/TD BANK XXXX - XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
It started with venmo agent canceling your card and sending you a new XXXX  due to unapproved transactions on XX/XX/XXXX. You where told that you would be able to use a virtual card until your new XXXX arrives however, everytime you try to access the card information you got a error message saying somthing went wrong try again later. This error presisted you called customer service which at that point told me I just have to wait until my card arrive. My bills are overdue at this point i tried adding a backup payment to my venmo account so I can use the venmo transaction however the app would not add my card info got a error message to XXXX XXXX where my account was frozen multiple times. I tried the XXXX to see if i can transfer my money to my XXXX it worked XXXX time this was after they unfroze my account for the XXXX time however there system would not allow me to send the rest of my money so I waited for my card when I scanned the barcode it took me to the card information part in which I am still getting a error message i can not activate my card over the phone the agents can't activate my card, I don't have access to my funds because of there system and the customer support team all together I feel they purposefully made it to where I can not touch my funds at this point

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: SC

Complaint narrative:
Yes, I wrote dispute letters to XXXX XXXX the items on my credit report concerning a latest debt believe these entries is inan accurate and requested it to be investigated and verified under the fair credit reporting act FCRA hi requested that the account be marked disputed and not factor into any credit scoring evaluations into it to be verified. I havent heard no response and their accounts are still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AL

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-10-21 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
Dear Experian, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Reported Late Payments : 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 2025-10-21 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: DE

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 ONE 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