vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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:
The inaccurate mark reflects poorly and incorrectly on my financial history. Please remove or amend it without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding multiple accounts reported by XXXX XXXX XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX  ), opened between XX/XX/XXXX and XX/XX/XXXX, with balances ranging from {$710.00} to {$850.00}, all listed as collection accounts. I have no knowledge or association with any of these accounts and have never authorized, opened, or agreed to any debt with this company or any of its affiliates. 

These accounts appear to be duplicate or inconsistent entries under slightly different creditor names and dates, which raises serious concerns about the accuracy and validity of the reporting. This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for failing to ensure maximum possible accuracy and verification of reported information. 

The false and duplicate reporting of these collection accounts has severely damaged my credit report and reputation. XXXX XXXX XXXX XXXX XXXX  has not provided any verifiable documentation, signed agreements, or proof of debt confirming that these accounts are valid or belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
I am writing to dispute the following items on my credit report. I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

EXPERIAN CHARGED OFF XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
I am disputing the following inquiries on my credit report. These inquiries may have been made in error or without my consent. I respectfully request that each of these items be reviewed for accuracy and compliance with the Fair Credit Reporting Act. If they can not be verified, I request that they be removed. 

Inquiries : XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I am struggling financially and have expressed that to them. I have tried everything I can to make payments but unfortunately I have fallen behind on payments. I was met with threats from them of wage garnishments and attorney fees before a lawsuit was even filed. I have had multiple numbers calling me and harassing me also including text messages from unknown numbers. I have had several employees showing up at my house multiple times. I have voicemails of them threatening wage garnishments and attorney fees before a lawsuit was even filed. I have also, yet to receive any e-mails or receipts of my last XXXX payments of money orders that I personally dropped off in the month of XX/XX/year>.

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 2025-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
Complainant Information : Name : XXXX XXXX XXXX : ( XXXX ) XXXX Email : XXXX Mailing Address ( for correspondence, co-signer included ) : XXXX XXXX XXXX, XXXX, AL XXXX Company Information : Company Name : Exeter Finance LLC Main Corporate Office : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX General Mailing Address : XXXX XXXX XXXX, XXXX, TX XXXX Payments Mailing Address : XXXX XXXX XXXX, XXXX, TX XXXX Complaint Type : Auto loan / Repossession / Debt collection / Credit reporting Complaint Description : I am submitting this complaint regarding Exeter Finance for mismanagement, excessive interest, inaccurate reporting, and financial harm related to my auto lease. 

My XXXX XXXX , leased at the XXXX dealership XXXX XXXX, AL, with myself ( XXXX XXXX ) and my mother ( [ Mothers Name ], residing at XXXX XXXX XXXX, XXXX, AL XXXX ) as co-signer, was repossessed in XX/XX/XXXX. 

I made XXXX consecutive on-time payments of over {$600.00} from XX/XX/XXXX to XX/XX/XXXX. Despite these payments, the principal balance allegedly remained unchanged, which I believe indicates miscalculation or excessive interest. 

At lease signing, the principal balance was approximately {$19000.00}, yet Exeter Finance claims a beginning balance of {$27000.00}. 

The vehicle was sold at auction for {$13000.00}, according to my Statement of Account. Despite this payment being applied, Exeter Finance added additional interest ( {$5300.00} ) and fees ( {$1400.00} ), claiming an outstanding balance of {$19000.00}, which is incorrect and unjustified. 

I have been denied access to my online account, preventing verification of the debt. 

Their actions have damaged my credit and my co-signers credit, including negatively impacting my mothers XXXX XXXX bankruptcy plan. 

Exeter Finances practices appear to include unfair lending, excessive interest charges, improper fees, and inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not associated with these accounts ; they should be removed within 15 days as required under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request that the following items be reviewed and corrected for accuracy in my credit report : Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$580.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$130.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$990.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$820.00} XXXX  XXXX, XX/XX/XXXX, {$4500.00} XXXX, XXXX, XX/XX/XXXX, {$180.00} Inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Late Payments : 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 2025-11-03 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute several inaccuracies on my credit report. Below are the accounts that I believe are reporting incorrectly : Charged Off Accounts : DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-11-03 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WI

Complaint narrative:
I opened the account with Square on XXXX XXXX. 
After several days they closed my account without telling me any reason. There is still {$3500.00} in my account. They said I can only withdraw it after XXXX days. 

After XXXX  days, I still can't withdraw it. I chat with the agent in XXXX. They said they will contact me but they didn't. 

On XXXX XXXX, I tried to withdraw again, still unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
This complaint concerns XXXX XXXX XXXX XXXX also known as World Omni Financial Corporation ), which has been reporting false and misleading information about my XXXX XXXX XXXX auto loan since early XXXX. 
My vehicle was totaled in a collision on XX/XX/XXXX. XXXX and XXXX coverage covered most of the balance, leaving approximately {$4000.00} due to late fees, interest, and extensions. I made my last legitimate payment in XX/XX/XXXX while unemployed and waiting for my tax refund to cover arrears. 

However, XXXX XXXX XXXX payment ledger, which I received by mail on XX/XX/XXXX, shows XXXX unauthorized payments in XX/XX/XXXX that I did not make or authorize. No letter or explanation accompanied that statement. 
Since XXXX, I have submitted multiple written disputes to all three credit bureaus regarding this account. Each time, XXXX and World Omni re-verified the inaccurate information instead of correcting it. On XX/XX/XXXX, I sent a Notice of Intent to Sue to XXXX and World Omni executives, citing violations of FCRA 623 ( a ) ( 1 ) ( A ) ( reporting inaccurate data ) and 623 ( b ) ( failure to correct after dispute ). 
Within minutes of replying to my email and then recalling their response, XXXXWorld Omni updated my XXXX file on XX/XX/XXXX, to show a {$30000.00} balance and new derogatory information. They marked the account as resolved reported by grantor without providing any proof or correction. 

On XX/XX/XXXX, XXXX mailed me a generic payment history printout with no investigation summary, no findings, and no evidence supporting their report of XX/XX/XXXX payments. This violates the FCRAs requirement to conduct and document a reasonable investigation following a consumer dispute. 
Their ongoing false reporting and retaliatory update immediately after receiving my legal notice have defamed my credit, reduced my credit score, and caused financial losses, including being denied affordable housing and auto financing for more than XXXX years. 

I am requesting that the CFPB investigate XXXX XXXX XXXX / World Omni Financial Corp. for false credit furnishing, failure to conduct a reasonable dispute investigation, and retaliatory reporting in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-03 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: MI

Complaint narrative:
I am filing this complaint out of absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer overlook, as they have been severely affecting my life and credit score. These inaccuracies have made it difficult for me to achieve financial stability and peace of mind, and it is unacceptable that such issues continue to persist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On Monday, after saving for XXXX years, I deposited a sizable check into my Wells Fargo account ( XXXX ). However, on Tuesday, a hard hold was placed on my account by someone at the branch in XXXX. For the past week, I have been trying to get an answer regarding the reason for this hold and the authority under which Wells Fargo has frozen my account. Unfortunately, not XXXX person has been able to assist me. 

As a Wells Fargo customer since XXXX, this situation has become the last straw. I have spent over XXXX hours on calls and still have no answers. Once the hold is removed, I will be closing all accounts I have at Wells Fargo, including my childrens accounts, XXXX savings accounts, XXXX business accounts, and nearly XXXX XXXX dollars. This experience has highlighted the incompetence of the organization, which is truly disappointing.

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 2025-11-03 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXX, I sent a formal Notice of Error under RESPA ( 12 CFR 1024.35 ) to JPMorgan Chase Bank regarding a XXXX loan modification originally executed via XXXX through XXXX XXXX XXXX. The modification reduced the interest rate from 3.85 % to 2.65 % and extended the fixed-rate period from XXXX years to XXXX years. 

Chases current servicing system incorrectly shows that the loan will reset to an adjustable rate in XX/XX/XXXX. This is inconsistent with both the executed modification and the loans payment history. Beginning in XXXX, Chase has honored the 2.65 % rate, which would not be possible without a binding modification. 

My Notice of Error was sent by certified mail to Chases designated RESPA address ( Mail Code XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX and was delivered on XX/XX/XXXX, per XXXX tracking XXXX XXXX XXXX Chase has not acknowledged or responded within the XXXX and XXXX RESPA deadlines. 

I am requesting that Chase : XXXX. Correct its servicing records to reflect that the fixed-rate term ends in XX/XX/XXXX. 
XXXX. Provide copies of all loan records received from XXXX XXXX, including the executed XXXX modification and related documents. 
XXXX. Confirm that no rate reset or adverse servicing action will occur while this matter is under review. 

I have included supporting documentation : the original Notice of Error, proof of delivery, the XX/XX/XXXX Chase reset notice, and XXXX XXXX interest statements demonstrating the rate change in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Zions Debt Holdings
State: GA

Complaint narrative:
Zions Debt Holdings is reporting an inaccurate and unverifiable collection account on my XXXX credit report. 

I have requested validation and documentation from the company, including proof of ownership, original agreement, and itemized balance, but none has been provided. 

This information is unverifiable and violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have already submitted a formal dispute to XXXX with supporting identification and proof of address.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation