vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
I am disputing a collection account related to a vehicle repossession. I do not believe the amount being collected is accurate, and I request a full accounting of the debt. This includes a detailed explanation of how the deficiency balance was calculated after the repossession and sale of the vehicle.

Additionally, the vehicle was covered by a Guaranteed Asset Protection ( GAP ) insurance policy. I request confirmation of whether a GAP claim was filed, the result of that claim, and whether any credit was applied to the remaining balance. If no GAP claim was filed, I request a full explanation and supporting documentation.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this debt. Please provide all supporting documentation, including : - The original loan agreement- An itemized breakdown of the deficiency balance - Records of repossession notice and sale - Sale date and amount received - GAP claim documentation ( or explanation of why no claim was filed ) Until this information is provided, I request that all collection efforts cease and that the account be reported as " disputed '' to all credit reporting agencies, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

If the debt can not be validated or if it is determined that GAP insurance should have covered the balance, I am requesting that this account be removed entirely from my credit reports with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: GA

Complaint narrative:
These fraudulent inquiries are affecting my ability to obtain credit. I need them cease and desist/removed immediately. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-11 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: MOHELA
State: GA

Complaint narrative:
I submitted a dispute on XXXX XXXX, the dispute was approved and my score was corrected. Now the same thing I disputed is reappearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: AL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$17000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-11 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: CT

Complaint narrative:
Formal Complaint Regarding Unverified Debt Reporting by XXXX XXXX XXXX  To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX for reporting an alleged debt on my credit file without valid proof or contractual agreement. This account shows a balance of {$470.00} and is marked as Placed for collection with a dispute remark of Dispute resolved subscriber disagrees, last reported on XX/XX/year>. 

I have never signed or agreed to any contract with XXXX XXXX XXXX, and I did not provide a hard ( wet ) signature authorizing this debt or acknowledging responsibility for it. Therefore, this account is being reported without my direct consent or legal agreement, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally : XXXX. No original signed contract has been provided by the furnisher to validate this alleged debt. 
XXXX. I have disputed this debt multiple times, and the account continues to be reported with an unresolved status that is misleading and damaging. 
XXXX. XXXX XXXX  failure to verify or remove the account after dispute suggests unfair and deceptive reporting practices. 

I respectfully request that the CFPB investigate this matter and require XXXX XXXX to provide the original signed contract bearing my signature. If they are unable to produce such documentation, I request the account be removed immediately from my credit report across all reporting agencies. 

Thank you for protecting consumers and for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: PA

Complaint narrative:
Upon reviewing my consumer credit report, I noticed inaccurate reporting of late payments on an account for which I have consistently made timely payments. Accurate reporting is critical, and as a Consumer Reporting Agency, it is your responsibility to ensure all reported information reflects the truth.

Under 15 U.S.C. 1681, Congress declared that consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers, and that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I am specifically referring to the following account ( XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ]. The late payments are reported on my credit report for the months of XX/XX/XXXX, and XX/XX/XXXX. I have never missed or been late on any payments associated with this account. 
I respectfully request that you conduct a thorough investigation into this matter. If you are unable to provide verifiable documentation such as account statements proving these alleged late payments, I insist that the inaccurate entries be corrected immediately to reflect my actual payment history. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of the correction or the results of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX is paid in full every month. Macy 's credit card statement shows interest charge every month since XXXX of this year, despite the entire balance paid off every month. Called several times XXXX the customer service representative would reverse the interest charges, the balance would be paid in full XXXX  the next statement would show additional interest charges. Finally closed the account on XX/XX/year>. XXXX was paid in full. I received my XXXX statement XXXX  the XXXX statement shows a new balance of {$7.00} in interest charges. I paid {$22.00} in interest that I was not responsible for in order XXXX just close the account. Now they charge me an additional {$7.00}?? On XXXX balance XXXX XXXX purchases?!? Outsourced customer service is of no help, so decided XXXX file a complaint. Maybe this will fix the issue.

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 monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: NC

Complaint narrative:
I am disputing a collection account related to a vehicle repossession. I do not believe the amount being collected is accurate, and I request a full accounting of the debt. This includes a detailed explanation of how the deficiency balance was calculated after the repossession and sale of the vehicle. 

Additionally, the vehicle was covered by a Guaranteed Asset Protection ( GAP ) insurance policy. I request confirmation of whether a GAP claim was filed, the result of that claim, and whether any credit was applied to the remaining balance. If no GAP claim was filed, I request a full explanation and supporting documentation.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this debt. Please provide all supporting documentation, including : The original loan agreement An itemized breakdown of the deficiency balance Records of repossession notice and sale Sale date and amount received GAP claim documentation ( or explanation of why no claim was filed ) Until this information is provided, I request that all collection efforts cease and that the account be reported as " disputed '' to all credit reporting agencies in accordance with the Fair Credit Reporting Act ( FCRA ).

If the debt can not be validated or if it is determined that GAP insurance should have covered the balance, I am requesting that this account be removed entirely from my credit reports with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank charged off and sold the account in XXXX. I disputed the reporting in XX/XX/XXXX and never received a response. I paid the full balance to XXXX XXXX XXXX, the debt buyer, and the account was marked satisfied on XX/XX/XXXX. Despite this, Comenity is still reporting the account with a removal date of XX/XX/XXXX, which is inaccurate. The last payment was in XXXX, so the account should be removed in XXXX under the FCRA. This appears to be re-aging and false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have XXXX accounts currently being reported on my credit profile ( s ) as CHARGED OFF that I am actively making monthly payments on said accounts. I am requesting that XXXX XXXX does an investigation and accurately reports my accounts to all XXXX credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a letter in the mail from Truist bank stating a checking account has been close and that a XXXX XXXX XXXX XXXX  is associated with it. I have never had any accounts at Truist.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a dispute regarding a XXXX XXXX  account. The bureau responded stating the account was verified without providing documentation. This violates FCRA 611 ( a ) ( 6 ). I believe this item was previously deleted and reinserted without proper notice ( FCRA 611 ( a ) ( 5 ) ). I am requesting full removal or proper documentation from the original creditor.

Lack of Clarity on Dispute Outcome It vaguely states that fields have been modified ( Closed Date, Scheduled Payment ), but doesnt explain what the original information was, how it changed, or why.

It says the item belongs to you, but doesnt specify if the dispute was upheld, partially accepted, or fully rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$4900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Accounts 1. XXXX XXXX XXXX, Amount XXXX, Account number XXXX, Date Opened XX/XX/XXXX 2. XXXX XXXX XXXX, Amount XXXX, Account number XXXX, Date opened XX/XX/XXXX 3. XXXX XXXX XXXX, Amount XXXX, Account number XXXX 4. XXXX XXXX XXXX, Amount XXXX, Account number XXXX 5. XXXX XXXX, Amount XXXX, Account number XXXX Inquiries XXXX XXXX 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 2025-05-11 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: FL

Complaint narrative:
Dear Equifax : Please be advised that you are reporting the wrong Address and NAME information and Employment on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$10000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I asked for debt validation and I asked to provide proof that you can legally collect in Florida, Texas, or Tennessee. I have not received any valid documentations or any documentations as all.

Company response to consumer: Closed with non-monetary relief