vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors XXXX have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-23 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:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of XXXX  and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors XXXX have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me XXXX. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Caine & Weiner Campany Inc. XX/XX/year> {$210.00} reported charged off. I did not receive a 1099-C XXXX XXXX XXXX XXXX XX/XX/year> {$140.00} account reported charged off. Did not receive a 1099-C XXXX XXXX XX/XX/year> {$280.00} account reported to collections. Did not receive a 1099-C XXXX XXXX XXXX XXXX XX/XX/year> {$220.00}. Account reported charged off. Did not receive 1099-C XXXX XXXX XXXX XX/XX/year> {$230.00}. Account reported charged off. Did not receive 1099-C

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: GA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$260.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} 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 2025-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Possible TILA Violation Undisclosed Finance Charges Beyond Original Loan Terms Details : I am submitting this complaint regarding my auto loan with Exeter Finance LLC. My original retail installment contract disclosed a fixed finance charge of {$15000.00} and a total repayment obligation of {$33000.00} over 72 months at {$460.00} per month. 

In 2020, I was granted a two-month deferment due to XXXX, with the XXXX skipped payments moved to the end of the loan term. Exeter stated interest would continue accruing during the deferment, which I accepted. However, no new disclosure was ever provided indicating that the deferment would increase the total finance charge or total repayment obligation. 

I have now made XXXX on-time, full payments and am being told my remaining principal balance is over {$2100.00} meaning I will likely pay far more than the originally disclosed finance charge. This was never disclosed in an updated Truth in Lending statement or any other amendment to the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I have done NO business with this company and have no association with them. They have not provided any information as to who originally purchased this service. This debt does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
Creditor Name : FCO Original Creditor : XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX The collection I received was not authorized on my behalf, the inaccuracies present include : failure to provide proof that I expressed authorized consent for this debt, any data or paperwork that proves this debt should be repaid by me, I am 100 % that my name was added to debt by someone else impersonating me because I receive a letter in the mail regarding this collection that I was unaware of, this debt is a form of identity theft. And the creditor failed to provide any documentation that proves to be 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 2025-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: NE

Complaint narrative:
I was late on my XX/XX/year> Freedom mortgage house payment because my home was damaged by a wind storm that blew a tree onto the roof of my house. I have a {$5000.00} insurance deductible so I had to pay for the repairs out of pocket. I spoke to a Freedom mortgage CSR and explained my situation. They asked me to upload my home repair receipts so I did. They were going to have a manager fix the late payment on my credit report but nothing happened. I made the payment the first week of XXXX. No one from Freedom mortgage contacted me in XXXX while I was busy getting my house fixed.

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 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I got a preapproval letter from XXXX XXXXXXXX XXXX. When I looked at it and a few friends looked at it, we thought it was XXXX XXXX who preapproved me for a credit card. I thought it was an error in the printing on th envelope, a significant mistake in preapproving someone on XXXX very low score and a credit history, and an alert on their credit report because someone stole the original copy of my SSN card and Birth certificate. I called, and the person said XXXX XXXX was the company I was talking to, so I asked how I was preapproved for a card, but did not mention anything about being on XXXX or the alert on my credit report, and having an abysmal credit score with a history. The reps said he could not give me that information. So I trashed the offer and judged it was a scam trying to get my information. A few months later, I got letters from XXXX XXXX saying I owed them {$700.00} and that I needed to pay it now. So I called the number, and the rep answered XXXX  XXXX, not XXXX XXXXXXXX, asking how I would like to pay off my bill so I could keep using my card. I told them I never agreed to a card and demanded proof that I owed this bill and that I got preapproved. I also told them it was strange how their letter said XXXX XXXXXXXX XXXX, and they answered XXXX XXXX. I also mentioned that it seems odd that the envelope logo looks exactly like XXXX XXXX 's, but says XXXX XXXXXXXX XXXX. The logo had the swoosh, which is a solid red and appears to tuck behind the credit, which happens to be just like XXXX XXXX, but its swoosh seems to be thicker behind the I. Now I am getting letters from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, but they refuse to put their company name on the envelope, and they put my old name, which was changed months ago, that appears on my credit report. I have found out from investigating these questionable envelopes that get marked " Return to Sender, Unknown '' that they still use a name I no longer go by, or is on my ID, SSN Card, and credit report. They said {$0.00} for every dollar " owed '' to XXXX XXXX, aka " XXXX XXXX '', which is {$280.00}. They keep sending them, and I will not talk to them because " XXXX XXXX  '' aka " XXXX XXXX '' would not prove I owed or how I got preapproved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: Self Financial Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SELF FINANCIAL/LEAD BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Privacy Department Re : Cease and Desist Account No. XXXX To Whom It May Concern : I, XXXX XXXX, born XX/XX/XXXX, am formally notifying you to cease and desist all communication with me regarding the above-referenced account.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you stop all direct contact with me concerning this matter.

You are hereby instructed to : 1. Cease all phone calls, letters, emails, and any other form of direct contact with me.

2. Refrain from communicating with any third parties regarding this account, except as permitted by law.

If you believe you have a valid claim regarding this alleged debt, you may provide written verification of the debt to my address listed above. Otherwise, any further attempts to contact me, aside from legally permitted notices, will be considered a violation of federal law, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 


This letter is not to be construed as an acknowledgment or acceptance of any alleged debt. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my XXXX  credit report. The account in question is : Creditor Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXXXX/XX/year> Reported Balance : {$170000.00}

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 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Subject : Cease and Desist Formal Dispute of Inaccurate Reporting Dear transunion, I am formally disputing inaccurate and unauthorized information currently being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Section 611.

The disputed item ( s ) are as follows : Creditor/Collection Agency/Company : XXXX CARD Account/Inquiry Number : XXXX Reported Status : Charge-Off / In Collections Date Reported : XX/XX/XXXX I assert that this information is inaccurate, unverifiable, and misleading. Reporting this account/inquiry damages my creditworthiness and violates my rights under federal law. 

Accordingly, I demand the following : That you conduct a full reinvestigation into the disputed item ( s ).

That you cease and desist from reporting or publishing this inaccurate/unverified information until the furnisher provides documented proof of its accuracy. 

If such documentation can not be provided, the account/inquiry must be deleted from my credit file immediately. 

Under the FCRA, you are required to complete this investigation within 30 days of receiving this letter and provide me with a written response. If the disputed items are not properly verified, you must remove them and issue me a corrected credit report. 

Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office in my state.

Enclosed are copies of my government-issued identification, proof of address, and supporting documents related to this dispute. 

This letter serves as both a formal dispute and a cease and desist request regarding the inaccurate reporting. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-08-23 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:
Fraudulent accounts are reporting on my credit file that I did not open or authorize, including : XXXX XXXX ( {$490.00} reported XX/XX/XXXX ), XXXX XXXX ( {$1200.00} reported XX/XX/XXXX, and {$590.00} reported XX/XX/XXXX ). In addition, XXXX XXXX filed a civil lawsuit in XXXX XXXX claiming a business loan I never applied for or received. I sent disputes and requested validation from the companies but they failed to provide contracts or proof. Under FCRA 605B and 623, furnishers must block identity theft accounts and investigate within 30 days. These accounts are inaccurate and must be deleted immediately.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company 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 2025-08-23 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: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. The following accounts were opened or used fraudulently in my name without my knowledge or permission : XXXX XXXX XXXX, structured settlements XXXX, XXXX XXXX XXXX XXXX. These accounts do not belong to me, and I did not authorize any transactions or applications related to them. I first became aware of this fraudulent activity while reviewing my credit report. I am requesting that these accounts be blocked and removed from my credit file. I have no knowledge of who used my identity or how my personal information was obtained. I am filing this report to begin the recovery process and prevent further misuse of my information.

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 2025-08-23 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
Fraudulent accounts are reporting on my credit file that I did not open or authorize, including : XXXX XXXX ( {$490.00} reported XX/XX/XXXX ), XXXX XXXX ( {$1200.00} reported XX/XX/XXXX, and {$590.00} reported XX/XX/XXXX ). In addition, XXXX XXXX filed a civil lawsuit in XXXX XXXX claiming a business loan I never applied for or received. I sent disputes and requested validation from the companies but they failed to provide contracts or proof. Under FCRA 605B and 623, furnishers must block identity theft accounts and investigate within 30 days. These accounts are inaccurate and must be deleted immediately.

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 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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