vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: AZ

Complaint narrative:
This is my 3rd dispute, and I am appalled by the data furnisher and credit bureaus ' blatant disregard for federal consumer protection laws. Under FCRA Section 611 [ 15 U.S.C. 1681i ], they are obligated to perform a lawful reinvestigation. However, no original, verifiable documentation has been provided. Instead, Ive received generic templates and unverifiable responseswhich do not constitute proof of accuracy.

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 2025-08-08 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: AZ

Complaint narrative:
This is my 3rd dispute, and I am appalled by the data furnisher and credit bureaus ' blatant disregard for federal consumer protection laws. Under FCRA Section 611 [ 15 U.S.C. 1681i ], they are obligated to perform a lawful reinvestigation. However, no original, verifiable documentation has been provided. Instead, Ive received generic templates and unverifiable responseswhich do not constitute proof of accuracy.

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 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter Finance illegally repossessed my vehicle in Georgia and failed to follow state law ( O.C.G.A. 10-1-36 and 10-1-37 ).

Key issues : I was not notified of the sale or given the date, time, or method of sale.

Exeter Finance has not provided documentation showing the amount the vehicle sold for or an accurate deficiency calculation.

I was denied access to collect personal belongings from the vehicle.

The company knowingly falsified the odometer reading to increase my chances of loan approval. Because of this falsification, I was unable to register the vehicle in my state and county, leaving the vehicle inoperable during my possession. In Exeters own written response, they admit that the legally required Notice of Our Plan to Sell Property was returned to them as undeliverable before the vehicle was sold. Despite knowing I never received this notice, Exeter took no further action to ensure I was properly informed as required by O.C.G.A. 10-1-36 & 10-1-37.

They are reporting the repossession to credit bureaus, causing significant and ongoing damage to my credit. 


Account Info : XXXX XXXX Account # : XXXX Vehicle VIN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I sent money on XXXX to someone on XXXX selling a pickup truck as a refundable deposit. A day later I found out that it was a hacked XXXX account who was stealing money in the form of deposits to hold through XXXX. When I contacted my bank XXXX to cancel or refund the payments they denied me. The total amount was {$460.00} as a {$200.00} and {$260.00} payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: AZ

Complaint narrative:
This is my 3rd dispute, and I am appalled by the data furnisher and credit bureaus ' blatant disregard for federal consumer protection laws. Under FCRA Section 611 [ 15 U.S.C. 1681i ], they are obligated to perform a lawful reinvestigation. However, no original, verifiable documentation has been provided. Instead, Ive received generic templates and unverifiable responseswhich do not constitute proof of accuracy.

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

Complaint narrative:
I am submitting this complaint against the three major credit reporting agencies TransUnion, Experian, and Equifax as well as the following data furnishers : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have continued to report false, outdated, and/or unverified information on my credit file despite my repeated formal disputes. This includes : Late payments that were never made Derogatory account statuses without any valid contract or billing agreement Information tied to addresses I have never lived at Accounts reported without any proper identity or account verification On XX/XX/year>, I mailed dispute letters with : Copies of my government-issued ID Proof of my current address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX A formal FTC Identity Theft Report Despite complying with all FCRA requirements, I have received nothing more than generic rejection letters or no proper response at all. These companies have not provided evidence that any of the reported accounts were verified with signed documentation or proper investigation. 



Legal Violations : The continued actions ( and inaction ) of these companies violate several sections of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681c-2 Failure to block accounts resulting from identity theft 15 U.S.C. 1681i Failure to conduct a lawful reinvestigation 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy Additionally, recent updates to consumer rights taking effect in 2025, as outlined by the XXXX XXXX XXXX XXXXXX/XX/XXXX), now require : CRAs to provide signed validation documents from furnishers when derogatory accounts are disputed Immediate deletion of any item not verified with documentation Detailed explanations of the reinvestigation process to consumers ( Source : XXXX New Consumer Law Rights Taking Effect in 2025 ) None of these steps have been followed in my case.

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 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My sister opened up this account in my name. I did not live at this address at the time. When credit one contacted me, they approved the fraud and told me they would send fraud papers to my new address. They never did. Then this lands on my credit report. Ive filled out an affidavit of fraud ( notarized ), I sent them paperwork showing I was living on XXXX XXXX at the time, I sent them my identitytheft.gov report, I sent them a fraud affidavit from another account she was responsible for ( all things they requested ) and they are still insisting on keeping this on my report. It is not fair. I gave them the person responsible. My signature isnt on any paperwork they have. I gave them my info to fight this fraud and they have used to to collect against me. From the second Ive found out about this account, Ive disputed it. It isnt fair. Ive worked hard to have excellent credit, this is holding me back. Ive done everything they asked and they are keeping this on my report even though its clearly fraud as a way to get me to pay a debt that isnt mine. If it was mine, I would pay it. Ive spent so much time and energy fighting it, not to mention the huge strike this is against me financially, this has cost me way more than what they are asking for but I shouldnt have to pay for someone stealing my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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 am requesting the removal of inaccurate personal information from my credit report that does not belong to me. The information appears to be incorrectly associated with my account and may have been filed under my name or identification in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NC

Complaint narrative:
This is my 11th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
This is a repeat complaint regarding Americollect and XXXX XXXX XXXX for reporting unverifiable medical debts and re-reporting an account after previously marking it closed. 

On XX/XX/year>, I, XXXX, sent a written debt validation request under the Fair Debt Collection Practices Act ( FDCPA 809 ). No signed contracts, itemized statements, or proof of my legal responsibility have been provided. 

The first account involves XXXX, who was over XXXX at the time of service. I did not receive XXXX XXXX nor did I sign any agreement to be financially responsible for XXXX XXXX  bills. As an adult, XXXX is responsible for their own medical costs. 

The second account involves XXXX XXXX, who was XXXX or XXXX at the time and covered under my health insurance plan. The provider never billed my health insurance. Instead, they billed an auto insurance policy in another persons name. I was never given the opportunity to have the charges processed correctly. 

Both of these accounts was marked closed by Americollect but has since been re-reported to the credit bureaus without validation, in violation of FCRA 611 and 623.

Violations : 1. FDCPA 809 ( b ) : Resumed collection activity ( credit reporting ) without validating the debt. 
2. FCRA 611 : Failure to remove unverifiable information from my credit file.

3. FCRA 623 : Furnishing information known to be inaccurate or unverifiable.

Requested Resolution : - Require Americollect to provide signed guarantor agreements, itemized bills, and proof of responsibility. 
- Remove all unverifiable accounts from my credit reports. 
- Cease all collection activity unless and until proper validation is provided. 

If Americollect can not produce these documents, the accounts must be permanently deleted from my credit reports. Please do not close this account without the validation I requested. Do not let Americollect just say it's valid without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: IL

Complaint narrative:
FORMAL NOTICE OF DISPUTE & DEMAND FOR DEBT CLEARANCE From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Re : Formal Dispute of Alleged Debt and Demand for Immediate Remedy Dear Compliance Officer, This letter serves as my formal notice of dispute regarding any and all alleged debts or accounts claimed to be associated with my name, estate, or Social Security number by XXXX XXXX XXXX or any affiliated collectors.

Upon detailed review, your agency has violated multiple federal statutes, which renders your claim legally unenforceable and subject to penalties.

Violations Noted : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

- No proper validation or original contract has been provided upon request. Misrepresentation of the debt constitutes a clear violation.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

- Reporting alleged debts to credit bureaus without verification is unlawful and constitutes willful damage to my reputation and financial standing.

3. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

- Failure to disclose key lending terms, interest obligations, and failure to provide signed documentation breaches federal law.

4. Case Law Supporting This Position : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Additionally, you have failed to provide : - A wet-ink signature contract establishing lawful obligation ; - A full chain of assignment/title showing lawful ownership of the alleged debt ; - Verified accounting records in accordance with GAAP standards. 
DEMAND FOR REMEDY : You are hereby demanded to : - Cease and desist all collection attempts, correspondence, or calls related to this matter ; - Clear and discharge all alleged debts associated with my name, estate, or SSN ; - Remove all tradelines related to this account from Equifax, XXXX XXXX XXXX ; - Provide written confirmation of said discharge and tradeline deletion within 30 days of receipt of this letter. 
Failure to comply will result in immediate legal action for damages under the above-mentioned federal statutes and relevant state consumer protection laws. All rights are expressly reserved, without prejudice ( UCC 1-308 ). 
Respectfully, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: IL

Complaint narrative:
FORMAL NOTICE OF DISPUTE & DEMAND FOR DEBT CLEARANCE From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Re : Formal Dispute of Alleged Debt and Demand for Immediate Remedy Dear Compliance Officer, This letter serves as my formal notice of dispute regarding any and all alleged debts or accounts claimed to be associated with my name, estate, or Social Security number by XXXX XXXX XXXX  or any affiliated collectors.

Upon detailed review, your agency has violated multiple federal statutes, which renders your claim legally unenforceable and subject to penalties.

Violations Noted : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

- No proper validation or original contract has been provided upon request. Misrepresentation of the debt constitutes a clear violation.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

- Reporting alleged debts to credit bureaus without verification is unlawful and constitutes willful damage to my reputation and financial standing.

3. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

- Failure to disclose key lending terms, interest obligations, and failure to provide signed documentation breaches federal law.

4. Case Law Supporting This Position : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Additionally, you have failed to provide : - A wet-ink signature contract establishing lawful obligation ; - A full chain of assignment/title showing lawful ownership of the alleged debt ; - Verified accounting records in accordance with GAAP standards. 
DEMAND FOR REMEDY : You are hereby demanded to : - Cease and desist all collection attempts, correspondence, or calls related to this matter ; - Clear and discharge all alleged debts associated with my name, estate, or SSN ; - Remove all tradelines related to this account from XXXX XXXX, and TransUnion ; - Provide written confirmation of said discharge and tradeline deletion within 30 days of receipt of this letter. 
Failure to comply will result in immediate legal action for damages under the above-mentioned federal statutes and relevant state consumer protection laws. All rights are expressly reserved, without prejudice ( UCC 1-308 ). 
Respectfully, XXXX XXXX XXXX XXXXXXXX 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 2025-08-08 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: NC

Complaint narrative:
This is my 11th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

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