vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 


Company or Organization : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: ND

Complaint narrative:
I am an XXXX XXXX military member. This means that I am entitled to the benefits of the SCRA ( servicemembers civil relief act ). Normally this would only apply to debts incurred before the start of XXXX XXXX service, however the state of XXXX, my home of record, has special provisions that extend these protections to the entirety of a servicemembers XXXX XXXX career. I would like to request a review and for the company to honor the XXXX  state law pertaining to this. I have attached all necessary documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-18 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: NC

Complaint narrative:
Under 15 U.S. Code 1681XXXX ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( i ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 2025-04-18 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: IN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received an email notifying me that my Citibank Home Depot card was closed, but no additional information was provided. My notification preferences are set to receive all communications via email. I called customer service to inquire about the closure of my card and spoke with a representative. She informed me that a letter had been sent to my home address, stating that the account would be closed due to inactivity. She also informed me that since the account was closed due to inactivity, I can apply for a new card. I explained that I had requested all communication to be conducted via email because of inconsistent mail delivery to my home. 

The representative informed me that such notifications can ONLY be sent via postal mail. I then asked to speak with a supervisor, who explained that the account was closed at the request of the credit bureau. I requested an electronic copy of this information so I could understand the reasons behind the closure and avoid similar issues with my other cards. Once again, they stated that only a paper letter had been sent, and this is the only form of communication for this type of issue. 

I explained that I needed either an electronic copy or for the letter to be sent via certified mail to ensure receipt. However, they informed me that there was no way to do that. Now, my account is closed, and the representatives provided me with XXXX different reasons for the closure. I am left without clarity and unable to understand what happened, as they can only send letters in the mail and can not provide any copies via email or through my online account.

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 2025-04-18 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: TX

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 non-monetary relief
Consumer complaint received 2025-04-18 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-04-18 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
At the time of both my electronic and written disputes, all of my credit reports and related consumer databases ( XXXX XXXX XXXX etc. ) were frozen. Despite this, the Exeter Finance LLC tradeline was verified via E-Oscar during my electronic dispute submission in XX/XX/XXXX and again during my mailed dispute dated XX/XX/XXXX. 

Given that my credit files were not accessible to third parties during these timeframes, Exeter Finance LLC and Experian must explain how the verification process was conducted. Under the FCRA, specifically XXXX ( a ) ( XXXX ) ( A ) and XXXX ( b ), a reinvestigation must be a reasonable investigation, and furnishers must respond with verifiable, accurate information. 

If my frozen credit files were bypassed or ignored, or if the tradeline was " verified '' without actual investigation due to file inaccessibility, then both parties XXXX be in willful noncompliance. This would constitute false certification of accuracy and furnish of incomplete or inaccurate data in direct violation of the FCRA. 

I am filing a complaint against Exeter Finance LLC regarding serious violations of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the incorrect and misleading reporting of an account that was charged off in XX/XX/XXXX and subsequently sold to XXXX XXXX XXXX XXXX XXXX.. 

Failure to Accurately Report the Account : The account in question was charged off in XX/XX/XXXX with a balance of {$15000.00}. However, Exeter Finance LLC has continued to report an incorrect balance, which does not reflect the repossession sale proceeds of {$6800.00}. The remaining balance should have been {$8300.00}, but Exeter has failed to update this information. This is a direct violation of FCRA Section XXXX, which mandates the accurate reporting of consumer information. 

Inaccurate Reporting of Account Ownership : Exeter Finance LLC no longer owns the debt, as it was sold to XXXX XXXX XXXX XXXX XXXX. Therefore, they are not permitted to report or update this account, and yet they continue to do so, which constitutes FCRA violations. 

Failure to Provide Proof of Repossession Sale and Debt Ownership : I have requested documentation of the repossession sale proceeds and the application of the sale price towards the balance, but Exeter has failed to provide any evidence of the sale or how it was applied. Additionally, Exeter has not provided proof of ownership of the debt at the time of reporting. 

Failure to Verify the Debt : I disputed this debt with XXXX in XX/XX/XXXX, and Exeter Finance LLC was involved in the verification process. However, as Exeter no longer owns the debt, they should not have been able to verify the debt. I am requesting an explanation of how Exeter was able to verify this debt when they no longer own it, and I demand proof of the verification process they used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX transunion credit bureau XXXX TransUnion LLC Consumer Dispute Center, XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 I am writing to formally dispute and request the blocking of specific fraudulent information that has been reported on my credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2. 

The following account ( XXXX ) were opened or used without my knowledge or authorization and are the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date Reported XXXX XXXX, XXXX Account Details Original Lender XXXX T MOBILE XXXX {$210.00} Date Reported XXXX XXXX, XXXX Account Details Original XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX {$1000.00} Date Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX In compliance with the FCRA, I am requesting that you permanently block this fraudulent information from my credit report to prevent it from appearing in any future reports you provide. 
Please provide a written confirmation once the account ( XXXX ) have been blocked from my credit file. Should you require any further information to process this request, do not hesitate to contact me at the address or phone number listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX transunion credit bureau XXXX TransUnion LLC Consumer Dispute Center, XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 I am writing to formally dispute and request the blocking of specific fraudulent information that has been reported on my credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2. 

The following account ( XXXX ) were opened or used without my knowledge or authorization and are the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date Reported XXXX XXXX, XXXX Account Details Original Lender XXXX T MOBILE XXXX {$210.00} Date Reported XXXX XXXX, XXXX Account Details Original XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX {$1000.00} Date Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX In compliance with the FCRA, I am requesting that you permanently block this fraudulent information from my credit report to prevent it from appearing in any future reports you provide. 
Please provide a written confirmation once the account ( XXXX ) have been blocked from my credit file. Should you require any further information to process this request, do not hesitate to contact me at the address or phone number listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
PHH Mortgage distributed both city and county taxes prematurely during the XXXX calendar year. The distributed on XX/XX/XXXX. The city taxes were refunded and placed back into escrow. However, the county taxes in the amount of {$3500.00} can not be accounted for. PHH mortgage claims that they can not provide documented proof that the funds have cleared and have not been returned. My current mortgage company XXXX XXXX is holding me personally responsible for the shortage until we can recoup the funds. PHH has been very resistant to assist in the resolution of the issue. XXXX XXXX government requires proof from PHH that the check has cleared before they will refund the tax payment. I have been on the phone with PHH 's customer service team multiple times attempting to correct this issue. Below is the most recent communication from the PHH team. 

Dear XXXX, PHH disbursed tax payment XXXX XXXX in the amount of {$3500.00} and XXXX wired tax payments in bulk. Therefore, we can not get a copy of the check as it was bank wired in bulk. The funds have cleared. If you have personally made a tax payment, please send us proof of payment for further research. 

Should you have any further concerns, you XXXX email XXXX or contact XXXX directly toll free at ( XXXX ) XXXX, select Option XXXX, Extension XXXX during the following hours : Monday? Friday XXXX XXXX XXXX XXXX ET The information contained in this communication is confidential information and only intended for personal and confidential use of the individual or entity to which it is addressed. If you are not the addressee ( or authorized agent ) indicated in this message, you have received this communication in error. Please destroy it immediately and notify the sender by reply email as any review, dissemination, copying or unauthorized use of this message is strictly prohibited. 

XXXX PHH Mortgage Corporation. All rights reserved. | NMLS ID # XXXX | www.PHHMortgage.com

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 2025-04-18 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: AZ

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-04-18 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation