vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information listed on my credit report. I obtained a copy of my report and noticed the following account ( s ) that I believe are reporting in error : XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$24000.00} written off. {$24000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  Balance {$24000.00} XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$2100.00} written off. {$2100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXXXXXXXXXX XXXXXXXX XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  Balance {$1500.00} Balance updated XX/XX/XXXXXXXX XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$780.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  Balance {$780.00} Balance updated XX/XX/XXXXXXXX XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$6900.00} written off. {$6900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6900.00} Balance updated XX/XX/XXXX I am requesting a thorough investigation of this account, as I believe the information being reported may be inaccurate, incomplete, or unverifiable in accordance with the Fair Credit Reporting Act ( FCRA ). 

The balance, dates, or status of this account appears to be incorrect. 

Under Section 611 of the FCRA, I respectfully request the following : That you investigate and verify the accuracy of the information.

That you provide documentation substantiating the validity of this account. 

That if the account can not be verified within 30 days, it be deleted or corrected immediately from my credit file. 

I have enclosed a copy of my government-issued ID, proof of address, and a copy of the credit report highlighting the disputed entry for your reference. 

Please confirm in writing once the investigation is complete and provide an updated copy of my credit report.

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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citi closed my credit card account suddenly, without prior notice or any opportunity to address or correct the situation. 

I contacted customer service and was told that the account was closed and there was no inappropriate action taken, but no specific reason could be provided. I was also repeatedly interrupted and dismissed when I asked for escalation and clarity. 

This closure already impacts my credit report and broader financial situation, especially as I am working through a temporary period of business hardship. I asked for a formal reconsideration and was told it would be noted, but I have no assurance that any real review is taking place. 

I am requesting : - A formal written explanation for the closure - Confirmation of escalation and review - Reinstatement of the account if appropriate I believe the way this was handled, with no transparency or due process, was unreasonable and harmful.

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 2025-07-11 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: SC

Complaint narrative:
I am writing to request your help in investigating these accounts, which are inaccurately reflected on my credit report. As outlined in USC 1681g, I am formally requesting that they be removed within 15 days. I have provided all relevant documentation for your review. It is also important to note that the reported information varies and is inaccurate across different credit bureaus.

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 2025-07-11 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: Self Financial Inc.
State: IN

Complaint narrative:
Opened an account to better my credit score during Covid and they closed the account and are reporting late payments during Covid that was suppose to be dismissed due to Covid.

Under the ( CARES ) Act, provided specific protections regaurding credit reporting during the pandemic. If I was affected by COVID 19 and had an accommodation with your lender they were required to report your account as current, provided you werent already delinquent when the agreement was made. May have grounds for a lawsuit if creditor violated these regulations and harmed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
[ Date ] Exeter Finance Corp XXXX XXXX XXXX XXXXXXXX XXXX XXXX * * RE : Account Number XXXX - Dispute of Improper Late Fees * * Dear Exeter Finance, I am writing to formally dispute the improper assessment of late fees on my account and demand their immediate removal. My account shows a pattern of late fees being assessed despite my consistent payment history, which appears to be a violation of fair lending practices. 

* * Account Details : * * - Account Number : XXXX - Original Principal : {$25000.00} - Current Principal Balance : {$12000.00} - Outstanding Fees in Dispute : {$56.00} * * Disputed Late Fees : * * XXXX. XX/XX/XXXX : {$8.00} late fee ( payment made XX/XX/XXXX ) XXXX. XX/XX/XXXX : {$12.00} late fee ( payment made XX/XX/XXXX ) XXXX. XX/XX/XXXX : {$13.00} late fee ( payment made XX/XX/XXXX ) XXXX. XX/XX/XXXX : {$21.00} late fee ( payment made XX/XX/XXXX ) * * Evidence of Good Faith Payment History : * * My payment history clearly demonstrates consistent efforts to maintain my account. I have made over XXXX payments totaling more than {$13000.00}, reducing my principal balance by more than 50 %. Recent payments include : - XX/XX/XXXX : {$370.00} - XX/XX/XXXX : {$220.00} - XX/XX/XXXX : {$300.00} * * Legal Violations : * * The pattern of assessing late fees while I am actively making payments appears to violate : - Fair Debt Collection Practices Act ( FDCPA ) - Truth in Lending Act ( TILA ) - South Carolina consumer protection laws * * Demands : * * 1. Immediate removal of all disputed late fees totaling {$56.00} 2. Written confirmation that my account is current 3. Detailed explanation of your late fee assessment policy 4. Commitment to cease improper fee assessments going forward * * Resolution Required : * * I expect a written response within 30 days addressing each point above. Failure to resolve this matter will result in complaints filed with : - Consumer Financial Protection Bureau - South Carolina Attorney General 's Office - Better Business Bureau I have maintained good faith in servicing this loan and expect the same good faith from Exeter Finance. These improper fees must be removed immediately.

* * Documentation : * * I have complete records of all payments and account statements documenting this pattern of improper fee assessment. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Copies sent to : * * - Consumer Financial Protection Bureau - South Carolina Attorney General - Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions 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 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 2025-07-11 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: NJ

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
These following are the fraudulent inquires that should be removed from my credit report asap : XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXF XXXX ( XXXX  ), XX/XX/XXXX XXXX XXXX ( XXXX ), XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
In XXXX this loan for the mobile home in XXXX, Florida was sold apparently to XXXX XXXX and it is very suspect because 21st Mortgage has been handling that account since that time. The original loan was through American land lease and their financing on in XXXX, Florida and that was in XX/XX/XXXX. Now it is correct that the assets of XXXX XXXX XXXX were acquired by Sun in early XXXX. However, the acquisition was very specific at none of the lending assets were included. The issue before us is 21st Mortgage is collecting on a loan that no one seems to know who the rightful lender is. I am concerned because my property insurance company is threatening to cancel me on renewal because they say that you can not have a service listed as a loss payee on a policy when it must be the lender or lienholder. The Florida DMV remove the prior lienholder because they went bankrupt and they tried to assist. I have used all reasonable means to have 21st. Mortgage show me where they have the lawful right to collect the mortgage that has been discharged any federal bankruptcy by the prior lender. No one at 21st. Mortgage will even give me the time of day to explain what the situation is. I continue to pay my payments but need help here because obviously theres a legal standard on how they were assigned an account that does not exist as a matter of law. I ask for help here because the documents Ive asked have gone on deaf ears. I am a senior citizen with an amputated right leg and work hard for my money to each month from retirement and I have no problem paying my bills, but Im trying to get clarity to hear the show how they became part of the process and all they claim to me is that they are working off your original contract. Well the original contract was the declared released when the entity went bankrupt. The original entity was ALL LOANS LLC and attorneys, for the previous owner of that company have provided All information to show that none of the loans or the lending arm were acquired as part of the asset acquisition. So the argument here is how is this company collecting on a mortgage that no one seems to know who the rightful lienholder is?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My equifax. Wont allow to print or download your report, only view online. Also will not remove old addresses. Says you must call or send letter. I have tried both once this year and once last year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I paid a long term interest fee credit card balance of {$11000.00} off at a TD branch on XX/XX/XXXX with a XXXX balance transfer check. 

On XX/XX/XXXX I noticed that {$11000.00} was withdrawn from my TD checking account. 

I called TD bank regarding my checking account and they gave me no information the rep asked me if I wanted to speak with their WOW department so I told them I had no idea what the WOW department is. He then insisted on reading from something, and it seemed he had no training. My simple question was why/how was {$11000.00} withdrawn from my account he said he'd put in a dispute. 
He then transferred me to the credit card department rep who said that while I paid the card off on XX/XX/XXXX the money came of my account on XX/XX/XXXX leaving me to wonder where the $ was and why my credit card showed a zero balance as of XX/XX/XXXX. This did not seem reasonable but I accepted it, I woke up on XX/XX/XXXX with a negative credit balance of {$11000.00}. I called the credit card department and then said they'd open a dispute and refund the over payment to my TD checking account. 

On Friday, XX/XX/XXXX, I presented myself at a TD branch. They informed me that the previous representative had requested a refund but never opened a dispute. They then opened a dispute and said to wait ten days and not to spend the money that would be returned to my checking account. On the 10th day from when the dispute was filed XX/XX/XXXX I got a call from a TD CEO? I was at dinner an the call came in after XXXX. The basic answer was that more training was needed. I had already figured what happened on my own. My issue is that in XXXX TD phone reps will not give out a last name, initial or reference #, the say don't worry everything is on your file. When I asked this CEO she stated that reps have been followed home and threatened. 

TD bank couldn't not answer simple question as to how the account was paid and when. I spent XXXX hours and my stress level was so high and I actually believed what they said. 

How is TD not giving ref # s or names and allowed to give out such misinformation which really caused me grief. I was so confused I couldn't tell what was correct and incorrect. They are the bankers not me so even if I did something resulting in an overpayment they should have been able to give an accurate answer within a reasonable time frame instead of all this work on my end.

TD has also been late with bill pays blaming the post office where there was never an issue before. When you sign up for ebills you don't know whether or not there's an agreement in place with the vendor and TD does not bother to tell you. 

Ive called TD to ask if my check would clear and told yes only to have it bounce and then told I should have called before XXXX am but no one tells you this and there's little accountability when there's no way to reference the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: IN

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 explanation