vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  XXXX XXXX, has violated my rights. 

I looked at my credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am filing a formal complaint against Exeter Finance LLC regarding the illegal repossession and subsequent sale of my XXXX XXXXXXXX XXXX. Exeter violated federal and state consumer protection laws in the handling of my vehicle, and I am requesting immediate investigation and relief. Exeter Finance repossessed my XXXX XXXXXXXX XXXX. Following this action, I was never properly notified of the vehicles sale. In fact, Exeter has admitted to failing to notify me of the sale. This is a clear violation of my rights as a consumer. 
Exeter also failed to ensure delivery of required notices by mail. The only communication they claim to have sent was returned to sender, and I was never given an alternative method to receive this legally required notice. I do not use or maintain an online account with Exeter Finance, and no other attempt to contact me was made by phone or alternate address. As a result, I was denied the opportunity to retrieve my personal belongings, reinstate my account, or attend or object to the sale of my vehicle. 
I have attached documentation supporting this complaint, including evidence that the letter was returned and that Exeter acknowledged their failure to properly notify me. 
Their conduct was not only negligent but potentially unlawful, and it has caused significant financial and emotional harm. I am demanding : A full investigation into Exeters repossession and sale process, A full accounting of the sale of my vehicle and how proceeds were applied, Financial compensation and/or remedies for improper notice and loss, and Review of Exeters policies to prevent this from happening to other consumers. 

Thank you for your attention to this serious matter. Please contact me with any questions or updates related to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Friday, XX/XX/2025, all my chase accounts were closed for no reason whatsoever. I have all my credit cards through chase and this will annihilate my credit score. They have not sent any communication detailing their justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: IN

Complaint narrative:
This is NOT a duplicate complaint. 

Equifax IGNORED that First Premier did NOT properly validate these accounts TO ME PERSONALLY and instead asked for ( and claimed to receive ) validation from First Premier violating MY FCRA rights to have my accounts validated TO ME in a manner that the FCRA and industry standards dictate they do.

Instead of addressing THIS COMPLAINT, they mistakenly treated this like a regular dispute filed thru their website. They SHOULD have deleted these accounts as unverifiable, not circumvented me out of the very process federal law protects me in.

Equifax violated the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) by failing to delete the XXXX unverifiable XXXX XXXX XXXX  accounts ( {$1200.00} and {$900.00} balances ) from my credit report, as requested in my XX/XX/year>, CFPB complaint ( # XXXX ). I disputed these accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ( tracking # XXXX, # XXXX ), but their XX/XX/year>, responses DID NOT MEET FCRA REQUIREMENTS and were instead boilerplate letters lacking credit agreements, payment histories, or itemized statements. XXXX XX/XX/year>, response to my complaint updated the tradelines ( closed date, payments, account history ) instead of deleting them, ignoring XXXX XXXX inadequate validation and a merged account error ( same account number for both ). Equifax needs to delete both tradelines, investigate their reinvestigation process, and award damages for FCRA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping 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 have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also r equest verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL S ubject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other :
( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-06-07 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  XXXX XXXX, has violated my rights. 

I looked at my credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
I was unable to reset my password to login and make a payment. Causing my payment to be 30 days behind. Once they helped me reset my password I made the payment needed. They had already reported my account 30 days late at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX - I received an alert from my credit monitoring service that a new loan account was opened and added to my XXXX credit report. I contacted XXXX XXXX number to see what to do. Was transferred to Restoration Department. The representative said she pulled my credit report. After she reviewed I was told to contact XXXX XXXX /or the XXXX XXXX XXXX as this doesn't appear on my XXXX  report and she can only view XXXX  I went to XXXX website and checked my account, pulled my credit report and got the number to the Department of Education. I Called the XXXX XXXX XXXXXXXX XXXX number. The representative said she will send me some forms so they can open an investigation. Representative stated it was a new account, in my name as the active student. The account had an old address. I was also told I need to file a police report, which I did with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Department. This process took several days to actually complete due to them needing me to collect information. Incidentally, all 3 credit bureaus had a freeze on the account to prevent fraud and the loan was granted anyway. 
XX/XX/XXXX - Received the letter and forms from AidVantage to complete the fraud/forgery report. I called AidVantage because there was no detail about the loan and the representative recommended I take control of the account at XXXX. I did this and was able to download and save many of the originating documents. I found the impersonator attempted getting student loans at XXXX XXXX XXXX XXXX and the XXXX XXXX XXXXXXXX. These loans had a phone number, email address that was used, and references used when applying for the loan. None of the references were anyone I knew. I provided all this information to the XXXX deputy assigned to my case who created a report. 
XX/XX/XXXX - After waiting for the report to be complete and being denied a copy of the report ( I was allowed a copy of the " face page '' ) I decided to also report this at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2025-06-07 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : 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 explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against NCB for their continued failure to address this matter appropriately. 

Account in Question : Creditor : NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX * * * * Balance : {$17000.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with NCB, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my creditstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: SC

Complaint narrative:
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.

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 2025-06-07 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: SC

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: NY

Complaint narrative:
XXXX XXXX XXXX, XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to 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 2025-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
In XX/XX/year>, MOHELA reported a 90-day delinquency on my student loan to all three credit bureaus, even though I had made an on-time payment the previous month. I never received a billing notice, due date, or any communication indicating that repayment had resumed. I was under the impression that my account was still in forbearance or deferment.

At the time of the reporting, I was actively in the process of refinancing and had not received any information from MOHELA about resumed payments. In fact, MOHELA became my new servicer through that refinance process. I was shocked to discover the 90-day delinquency on my credit reports, especially without prior notice or opportunity to make a payment.

This reporting caused serious damage to my credit score, disrupted my financial plans, and appears to violate the Fair Credit Reporting Act ( FCRA ), as I was not informed of a delinquency nor given a chance to cure it. It also raises serious concerns about MOHELAs servicing and communication practices during transitions and repayment resumptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

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 2025-06-07 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: TX

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

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