vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. heft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Except as otherwise provided in this section, 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 XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bythe consumer. 

I have attached all the relevant documents pursuant the above Section of the law. I demand all the above Fraudulent INQUIRIES DELETED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute and request the immediate removal of an account that has been inaccurately reported on my credit file. The debt collector associated with this account has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). 

As a single mother, I have learned from my past mistakes and am working diligently to rebuild stability for my family. I am raising children with XXXX and doing my best to meet their medical, educational, and emotional needs. My goal is to improve my financial situation so that I can provide a safe, stable home and better opportunities for their future. Therefore, I respectfully ask for your assistance in ensuring that my credit report accurately reflects my current and lawful standing. 

This disputed account was reported without my consent or any valid contractual agreement. I have no record of entering into a legally binding contract with the creditor or the collector in question. As you are aware, a valid agreement requires a clear and signed acknowledgment by both partiesno such documentation exists in this case. 

Furthermore, the collector has failed to comply with the FDCPAs debt validation requirements. I have not received proper verification or validation of this alleged debt, including : Itemization of the debt ; Identification of the original creditor ; and Documentation proving that I am legally liable for the debt. 

The failure to provide these materials constitutes a violation of my rights under federal law. 

Given these violations, I am requesting that this account be immediately deleted from my credit report. Please update your records accordingly and provide written confirmation once the deletion has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX

Complaint narrative:
Mortgage Solutions ( also reported as XXXX  ) has furnished inaccurate and inconsistent payment information to the national credit reporting agencies XXXX XXXX XXXX XXXX regarding my mortgage account that was closed and transferred on XX/XX/XXXX with a {$0.00} balance and last payment made XX/XX/XXXX. 
Each bureau is reporting different and contradictory information, including : XXXX  : 30 days late in XX/XX/XXXX while showing XXXX; was Paying as Agreed. 
XXXX  : 30 days late in XX/XX/XXXX but also marked Transferred/Closed with {$0.00} balance and no activity after XX/XX/XXXX. 
XXXX  : Conflicting reports XXXX showing 60 days late in XX/XX/XXXX after closure, another showing Pays as Agreed, and the dispute portal now showing 30 days late in XX/XX/XXXX, more than XXXX years after the account was closed. 
This information is factually impossible and in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ) ), which requires that data furnishers and credit bureaus maintain and verify accurate, complete, and consistent information. 
Despite multiple disputes to the credit bureaus, the inaccurate and conflicting data remains. This has caused credit score damage, reputational harm, and emotional distress due to the false reporting of late payments that never occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am submitting this letter to once again address an ongoing inaccuracy that continues to appear on my Equifax, Experian and TransUnion credit report regarding my XXXX account. Despite my prior disputes and repeated requests for correction, the late payment notation associated with this account remains unchanged. This is now my third formal attempt to have this matter properly reinvestigated and corrected, as the current reporting continues to misrepresent my payment history and overall creditworthiness.

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 2025-11-05 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX 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 XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX, I, XXXX XXXX XXXX tendered full payoff in the amount of XXXX to Exeter Finance LLC via negotiable instrument as settlement for my auto loan (Account No. XXXX Certified Mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX confirms that Exeter Finance LLC received and signed for my payoff package on XXXX XXXX XXXX and I later received a XXXX  proof of delivery confirmation dated XXXX XXXX XXXX, showing receipt at Exeters corporate office in XXXX XXXXDespite confirmed delivery and a notarized Affidavit of Ownership and Lien Satisfaction, Exeter Finance refused to release my vehicle title, failed to refund the overpayment, and continued to report false balances to credit bureaus.\n\nOn XXXX XXXX XXXX Exeter authorized XXXX XXXX XXXX XXXX XXXX. to illegally repossess my vehicle from my residence without any notice, court order, or default, which constitutes conversion, breach of peace, and theft.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate and misleading items currently being reported on my Experian and Equifax credit file. These accounts are reporting incorrect late payment information and other inconsistencies that do not accurately reflect my payment history. Under the Fair Credit Reporting Act ( FCRA ), particularly 602 and 611 ( 15 U.S.C. 1681e ( b ) and 1681i ), I am requesting a reinvestigation and correction or removal of the following accounts : Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6600.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against TransUnion, Equifax, and Experian for ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and follow-up letters, the credit bureaus have failed to conduct a proper reinvestigation or remove inaccurate and unverifiable information from my credit report. 

I first submitted disputes beginning XX/XX/year>, and followed up on XX/XX/year>, demanding a lawful reinvestigation. To date, none of the bureaus have provided a valid explanation or documentation supporting the continued reporting of disputed items. This demonstrates ongoing violations of the following FCRA sections : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification used to confirm disputed items.

15 U.S.C. 1681e ( b ) : Failure to follow procedures to ensure maximum possible accuracy. 

The bureaus have not provided : The method and procedures used in verifying the disputed accounts. 

The full contact information for the furnishers involved. 

Any documentation relied upon to verify the information reported. 

After multiple notices, the credit bureaus have had more than enough time to comply with the law but have failed to do so.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against TransUnion, Equifax, and Experian for ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and follow-up letters, the credit bureaus have failed to conduct a proper reinvestigation or remove inaccurate and unverifiable information from my credit report. 

I first submitted disputes beginning XX/XX/year>, and followed up on XX/XX/year>, demanding a lawful reinvestigation. To date, none of the bureaus have provided a valid explanation or documentation supporting the continued reporting of disputed items. This demonstrates ongoing violations of the following FCRA sections : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification used to confirm disputed items.

15 U.S.C. 1681e ( b ) : Failure to follow procedures to ensure maximum possible accuracy. 

The bureaus have not provided : The method and procedures used in verifying the disputed accounts. 

The full contact information for the furnishers involved. 

Any documentation relied upon to verify the information reported. 

After multiple notices, the credit bureaus have had more than enough time to comply with the law but have failed to do so.

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 2025-11-05 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: MI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-05 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: MI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-05 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: MO

Complaint narrative:
I recently reviewed a copy of my report and noticed inaccurate information. Please remove the account ( XXXX ) from my credit report as it is hurting my ability to obtain credit.

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 2025-11-05 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: PA

Complaint narrative:
To Whom It May Concern : No XXXX company is involved so please dont respond with a stall letter or a generic reply. This dispute is coming from XXXX, the actual XXXX, and it needs to be handled seriously and according to the law. 

I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of XXXX years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 

XXXX5 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within XXXX business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with XXXX  and XXXX  agencies. 

Fraudulent Accounts : XXXX. XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
I am sending to formally dispute inaccurate information currently being reported on my consumer credit file. This letter serves as an official notice under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Each item detailed below contains serious reporting errors that have caused harm and must be permanently deleted from my credit fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$720.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXXXXXX 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 XXXXXX/XX/year>

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 2025-11-05 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: NC

Complaint narrative:
I am sending to formally dispute inaccurate information currently being reported on my consumer credit file. This letter serves as an official notice under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Each item detailed below contains serious reporting errors that have caused harm and must be permanently deleted from my credit fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$720.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXXXXXX 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-05 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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