vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 MD XXXX ACCOUNTS : XXXX - Account Number : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
This complaint is valid and requires urgent attention. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy and continue to cause serious harm during an already challenging time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
Formal CFPB Rebuttal Complaint I am writing to formally clarify my complaint, explicitly rejecting Exeter Finances misclassification of my dispute as identity theft. My issue centers solely on fraudulent practices and negligence by XXXX XXXX and XXXX XXXX, not identity theft. 

XXXX XXXX violated South Carolina law ( XXXX XXXX XXXX ) by failing to register the vehicle title within the mandated XXXX timeframe after purchase. This critical failure directly resulted in the towing companys lawful refusal to release the vehicle to me following my accident in XX/XX/2022, as documented by the South Carolina XXXX XXXX. 

XXXX XXXX compounded this issue by improperly delaying my claim for 83 days and subsequently denying it without providing a clear, valid explanationciting only a vague fraud claim. This denial potentially constitutes bad faith under South Carolina law ( XXXX XXXX XXXX ). 

Exeter Finance further exacerbated the situation by inaccurately labeling this dispute as identity theft and charging off my loan without conducting a proper investigation into the dealerships failure to transfer the title. This wrongful action has severely and unjustly damaged my credit score and financial stability. 

I demand immediate correction of this misclassification, removal of negative credit reporting, and a thorough, transparent investigation into the practices of XXXX XXXX, XXXX XXXX, and Exeter Finance. My complaint is about dealer fraud and insurer negligence, not identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have been trying to get in contact with somebody over at target card services, I have a late payment I need help getting resolved and removed from my credit as it is severely decreasing my credit score. I was not aware of the late payment and have been a loyal customer with target as soon as I became aware of the late payment, I paid my account off in full. I cant seem to get a hold of anybody or directed to anyone that can help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: T.S. Holdings
State: GA

Complaint narrative:
I didnt have an eviction, I moved out of the apartment when my lease was up. I owed around XXXX} to the apartments the collection agency is saying I owe around {XXXX} that is ridiculous. They add an extra XXXX to the amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
The same false information continues to appear on my credit record despite my repeated dispute letters to your organization. All information on my credit report must be 100 % accurate in accordance with the Fair Credit Reporting Act. Because these accounts do not report information that is 100 % correct, they are in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).

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 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The same false information continues to appear on my credit record despite my repeated dispute letters to your organization. All information on my credit report must be 100 % accurate in accordance with the Fair Credit Reporting Act. Because these accounts do not report information that is 100 % correct, they are in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).

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 2025-07-09 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: MD

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 MD XXXX ACCOUNTS : XXXX - Account Number : 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 - Account Number : 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 2025-07-09 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: GA

Complaint narrative:
I am filing this complaint because there are collection accounts appearing on my credit report that do not belong to me and are inaccurately damaging my credit standing. I did not open these accounts, have no knowledge of the debts, and never authorized anyone to open them on my behalf. 

I have disputed these accounts with the credit reporting agencies and the debt collectors, but they have failed to provide proper validation. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full proof that I am legally responsible for these debts. 

Acceptable proof of responsibility must include, at minimum : A copy of the original signed contract or application showing my signature or valid e-signature ; Full account statements detailing how the balance was calculated, including all charges, payments, and fees ; A clear chain of custody showing how the debt was transferred or sold from the original creditor to any third parties ; Identifying information that matches my name, Social Security number, and address at the time of the account opening ; Proof that I actually received the goods or services billed ; and Proper notices of my rights under the FDCPA. 
A simple balance statement or a credit report summary does not satisfy these legal requirements. If the collectors or credit bureaus can not provide this documentation, they are required by law to remove these unverifiable accounts immediately under FCRA 611 ( 15 U.S.C. 1681i ).

I am requesting the CFPB to hold the data furnishers and credit bureaus accountable and require them to either produce valid proof of responsibility or delete these inaccurate collections from my credit report. These false items are causing me significant financial harm and are restricting my access to credit and housing. 

Please assist me in ensuring my consumer rights are upheld and that these invalid accounts are fully investigated and permanently removed if not validated with proper documentation. 

ACCOUNTS : XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I tried to order my credit reports from Experian, Trans Union and Equifax on the phone automation process. I was not successful with any of them, perhaps because all bureaus have an old address of mine. Accordingly, I hereby submit my driver 's license and personal information and request that all three credit bureaus accept my sincere request for my free annual credit report mandated by the Fair and Accurate Credit Transactions Act ( FACTA ). Please mail me my free annual credit reports immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
XXXX of XXXX, I explained to my mortgage lender ( CMG ) that I was currently unemployed and looking for payment options until XXXX of XXXX. I was offered a forbearance which I accepted. Fast forward to XX/XX/XXXX, I called to explain that I was ready to make my scheduled payments again and was informed that my mortgage was being transferred to XXXX  XX/XX/XXXX and that CMG would not accept my payment. I contacted XXXX to resume my payments multiple times in XXXX but was told repeatedly that it could take up to 90 days to receive all of my information from CMG and to call back. When I called back in XXXX was told my end-of-forbearance information did not transfer and would need to resubmit a form to resume my scheduled payments which I did and was told I was able to make my first scheduled payment XX/XX/XXXX which has been done. When CMG Mortgage closed my account, they falsely reported that I was 120+ days late. Myself and my mortgage broker called CMG and although the employee agreed that it was falsely reported, that CMG can not fix a closed account and I would need to contact the credit bureaus. Myself and my mortgage broker put in a dispute and also sent in proof of forbearance and proof that I was never late on my payments as the payments during my forbearance were put into a secondary loan that will be paid off when I either XXXX sell the house XXXX XXXX pay off the house. Does not make sense to mark XX/XX/XXXX as 120 days late but XX/XX/XXXX as on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IN

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 XXXX XXXX XXXX XXXX IN XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00}

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 2025-07-09 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer pursuant to 15 U.S.Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act it has been established by Congress, your agency role to I the principal, the consumer, in fact is to adopt reasonable procedures to uphold the need to insure that your grave responsibilities fairness, impartiality, and a respect for my right to privacy must be maintained for maximum possible accuracy. Under 15 U.S.Code 1681e et seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S.Code 241. I am well aware of the fact that the reasonable procedures requiring each consumer reporting agency to compile and maintain files on consumers on a nationwide basis shall establish and maintain a notification system jointly with other such consumer reporting agencies pursuant to 15 U.S.Code 1681b ( e ) ( 6 ).

Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act. 

In the attachment included with this letter you will see my identifying information as well as my consumer report from Experian and Equifax which shows I do not have any account of { dispute_item_and_explanation ) reported on my Experian and Equifax consumer credit report. However this account is reported with your agency. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting. This information is also incorrect and falsely reports Metro 2 fields which do not match between both Experian and Equifax. I demand this account to be removed from

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX - Account Number : 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 XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$620.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX CARD 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 2025-07-09 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation