vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive disputed false personal identifiers on my credit reports multiple times, yet the bureaus continue reporting inaccurate names, outdated addresses, and incorrect employer information. XXXX still lists my married name, despite legal proof of divorce and reversion to my maiden name. Equifax lists an improperly formatted version of my name, and XXXX contains a garbled alias that I have never used. These errors are exposing me to identity confusion, verification issues, and scoring suppression. 

As a confirmed victim of the Equifax and National Public Data Breach, my personal information was compromised. These bureaus have not performed a reasonable reinvestigation under FCRA 611 ( a ), nor have they maintained accuracy under 1681e ( b ). They are violating 609 ( c ) ( 2 ) by refusing to correct and delete erroneous identity data after multiple disputes.

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 2025-07-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : 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 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 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 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 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 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 2025-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am submitting this complaint regarding Exeter Finances mishandling of my auto loan, including the misapplication of payments and submission of forged or altered contract documents. 

I have obtained bank statements proving that payments were sent on time and in full, yet Exeter : Failed to apply these payments correctly Reported late payments inaccurately Applied interest and late fees unjustly, leading to an inflated balance In addition, I have two different versions of the signed retail installment contract for this loan with Exeter containing inconsistent terms and signatures. I have timecard records from my employer showing I was working when one of the contracts was allegedly signed, indicating I could not have signed it.

Exeter has not provided a valid explanation, instead responding through counsel with a cease and desist letter an intimidation tactic that does not address the serious evidence of : forged supporting documents ( Buyers Order, GAP, and Warranty ). My bank statements prove timely payments were made but misapplied, leading to an inflated balance and unjust credit harm and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: GA

Complaint narrative:
b'I am formally notifying you that I am a victim of identity theft and a recent data breach, and I am exercising my rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).\n\nPursuant to 15 U.S.C.  1692g, I demand full validation of all alleged debts reported or collected in my name. You are legally obligated to provide:\n\nThe original creditors name and address,\n\nA copy of the signed contract or documentation bearing my signature,\n\nProof that you are authorized to collect this debt, and\n\nA complete itemized breakdown of the amount allegedly owed.\n\nIf you cannot provide this information, you must cease all collection efforts and remove the account from any credit reporting agencies.\n\nAdditionally, under 15 U.S.C.  1681i-7, I am invoking my rights to dispute information resulting from identity theft. I have been affected by a data breach and never authorized or opened the accounts in question. As such:\n\nI demand that you block and delete all fraudulent accounts associated with this identity theft.\n\nYou are to immediately initiate a reinvestigation, and under FCRA law, remove any unverifiable, inaccurate, or fraudulent information.\n\nRemove Account 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 2025-07-04 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: 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. 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 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 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 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am submitting this formal complaint to express the urgency and seriousness of my situation involving Capital One Bank. Due to what I believe is gross negligence in safeguarding my account, I have suffered significant financial loss and emotional distress. 
Summary of Events : XXXX. Suspicious Activity Alert : On XX/XX/year>, at approximately XXXX XXXX ( XXXX XXXX ), I received a text message from the XXXX XXXX alerting me to suspicious activity, asking, Is this you? I immediately responded by contacting XXXX directly and confirmed that the activity was unauthorized. 
2. Discovery of Fraudulent Withdrawals : During the call with XXXX, I was informed that the suspicious transactions involved significant withdrawals from my Capital One Bank checking account. These withdrawals originated from various locations including XXXX XXXX XXXX and even internationally from XXXX. 
3. Immediate Contact with Capital One : I promptly contacted Capital One at around XXXX XXXX. ( XXXX XXXX ) the same day to report the fraud. Shockingly, I was informed that over {$43000.00} had been withdrawn from my account and that I had authorized every transaction. I clearly and repeatedly stated that I had not authorized any of these transactions. 
4. Request to Freeze Account Denied : I immediately requested that Capital One freeze or close my account to prevent further withdrawals. The bank refused, stating that due to an ongoing criminal investigation, they were unable to take such action. 
Requested Relief : Immediate refund of the full amount withdrawn : {$43000.00} An additional compensation of {$15000.00} for the emotional distress, XXXX, and disruption to my vacation, personal and professional life caused by Capital Ones negligent and dismissive response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: AZ

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. 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 non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NJ

Complaint narrative:
According to the FCRA, I am entitled to an investigation of my dispute by the credit reporting agency. I request that you conduct a thorough investigation into this matter and correct any inaccuracies that may be present.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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, CHALLENGEDORNOT.

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 2025-07-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I noticed when I reviewed my credit report that a debt collection agency called Transworld systems is saying I owed {$1200.00} to them. First of all I never enter in a agreement with this company. They are saying its from its old XXXX XXXX utility bill I owed. I don't owe XXXX XXXX anything when I closed my account years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Formal Dispute of Unauthorized Account Fifth Third Bank Dear XXXX  Dispute Department, I am writing to formally dispute an inaccurate and unauthorized account listed on my XXXX  credit report. 

The account appears as follows : - Creditor : Fifth Third Bank - Account Number : XXXX - Type : Auto Loan - Date Opened : XX/XX/2021 - Report Number : XXXX I am disputing this entry because I never authorized or opened this account. I have had no communication or relationship with Fifth Third Bank, and I believe this may be a case of identity theft, clerical error, or inaccurate reporting. This account is currently showing as in collections, and it is negatively impacting my credit. 

Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that you conduct a full investigation into this account and provide validation and documentation showing that this debt is legitimately connected to me. If you are unable to verify this account with valid supporting evidence, I request that it be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXXccount Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$1000.00} CAP XXXX AUTO - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX Noble XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-07-04 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:
I have disputed several times the validity and verification of debt. I have disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. My dispute on XX/XX/XXXX is still in review and not resolved it is now XX/XX/XXXX. The company had 30 days to resolve the dispute or take it off my credit report and can not re-add or re-report it back. It is still on my transunion credit report. The debts have not been verified. I demand all of the disputes that were not verified in 30 days be taken OFF my credit report as this is a violation of my rights as a consumer and legal action can be taken against the bureau reporting and the companies for this fraudulent behavior. This is a violation of the FCRA reporting the debt as new or re-aged. The account status also on all the debts supposedly owed are listed as open as well. Which if the accounts were sent to debt buyers or third parties wouldn't the account be closed with the company? According to Texas Debt Collection Practices, if the disputed item is incorrect it must be corrected and the debt collector must notify anyone who has ever recieved a report containing the incorrect information. If at the end of 30 days the debt collected has not been able to determine if the item is correct or not they must make the change I requested and notify anyone who recieved a report containing the incorrect item. The debt collectors are also listed as the original creditors on my account. They are also re-aging them every month they are taking them off my credit and then re-adding them as new.

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 2025-07-04 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-04 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief