vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
At XXXX on XX/XX/XXXX I received an email from what appears to be Exeter Finance regarding a denial on an auto loan. I have nothing applied for an auto loan since XXXX. I have not once given my information to run a credit check to any auto dealer or financier since XXXX on my last vehicle purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 


I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX Late Date Reported XX/XX/year>. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with XXXX  under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: PA

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : DPEDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account.

A description of the procedures used to verify the accuracy and completeness of the disputed account.

All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

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 2025-09-29 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:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : DPEDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account.

A description of the procedures used to verify the accuracy and completeness of the disputed account.

All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
b'I am writing to formally dispute and request the removal and correction of inaccurate information being reported on my credit file under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq. The following items are erroneous and do not accurately reflect my identity, residence history, or financial obligationsXXXX 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 XXXXThese accounts are being reported inaccurately and may be the result of identity confusion or other reporting errors. I request that you provide documentation verifying my responsibility for these debts, including signed contracts or account applications. If such verification cannot be provided, these items must be deleted from my credit file as required under FCRA  609 and  611.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
b'I am writing to formally dispute and request the removal and correction of inaccurate information being reported on my credit file under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq. The following items are erroneous and do not accurately reflect my identity, residence history, or financial obligationsXXXX 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 XXXXThese accounts are being reported inaccurately and may be the result of identity confusion or other reporting errors. I request that you provide documentation verifying my responsibility for these debts, including signed contracts or account applications. If such verification cannot be provided, these items must be deleted from my credit file as required under FCRA  609 and  611.'

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am submitting this complaint because my student loan servicer, Nelnet, has reported inaccurate information to the credit bureaus despite my account being in good standing. 

Specifically : My loan was placed in forbearance until XX/XX/year>, during which time no payments were required. 

I subsequently paid the loan in full in XX/XX/year>, and both accounts now have a {$0.00} balance and should be reflected as closed and paid. 

Despite this, the servicer has reported damaging and inaccurate information to the credit bureaus, which has negatively impacted my credit profile. 

I have disputed this information directly with the credit bureaus ( XXXX, XXXX, and XXXX  ) and with my loan servicer. Despite providing documentation of the forbearance status and proof of full payment, the servicer has failed to correct the inaccurate reporting. 

This is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to provide accurate information.

I am requesting the CFPBs assistance to ensure that : The servicer updates all credit reporting to reflect Paid in Full with a {$0.00} balance and no delinquencies. 

The inaccurate negative marks are removed from my credit file. 

Desired Resolution : I want the inaccurate credit reporting corrected immediately, with confirmation in writing. 

Supporting Documentation : Forbearance confirmation letter showing I had until XX/XX/year>. 

Proof of payoff/payment confirmation. 

Copies of dispute letters sent to the credit bureaus and servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NV

Complaint narrative:
I am formally disputing inaccurate and potentially unverifiable information currently being reported on my credit file. I am submitting this dispute in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., and requesting a prompt reinvestigation of the account listed below. 
XXXX XXXX Balance : {$19000.00} late over XX/XX/XXXX days Under the Fair Credit Reporting Act, I am entitled to the following. FCRA XXXX (XX/XX/XXXX ) : The right to request all information in my credit file and to know the sources of that information.FCRA XXXX ( XX/XX/XXXX) : The right to dispute incomplete or inaccurate information and request a reinvestigation.FCRA XXXX (XX/XX/XXXX ) : The obligation of furnishers ( like XXXX ) to investigate disputed information and report results back to the consumer reporting agencies. FCRA XXXX ( XX/XX/XXXX) : The requirement that credit reporting practices be fair, equitable, and respect the accuracy, relevancy, and confidentiality of 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 2025-09-29 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:
TransUnion LLC P.O. XXXXXXXX XXXX XXXXXXXX, PA XXXX Re : Second Dispute Request for Verification, Debt Validation, and Written Consent To Whom It May Concern, This letter serves as my second formal dispute of the following collection accounts currently appearing on my TransUnion credit report. In my prior dispute, I requested verification of the debts in question. To date, no documentation has been provided that satisfies the requirements of federal law. 

Accounts in Dispute XXXX XXXX Balance {$140.00} Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$7900.00} Original Creditor : XXXX XXXX XXXX Balance {$12000.00} Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$980.00} Original Creditor : XXXX XXXX XXXX My Formal Requests As required by law, I am now demanding : Full verification of all debts including account-level documentation that proves accuracy. 

Complete debt validation including itemized statements, balance calculations, and proof of lawful assignment. 

Written consent/contract with my signature proving that I agreed to and authorized these debts. 

Until this is provided, the continued reporting of these accounts is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Applicable Law FCRA 611 ( 15 U.S.C. 1681i ) Requires reinvestigation of disputed information and removal if not verifiable.

FDCPA 809 ( b ) Requires collectors to cease reporting until proper validation is supplied.

FCRA 605 ( b ) ( 15 U.S.C. 1681c ( b ) ) Prohibits the continued reporting of unverifiable or obsolete information. If you can not verify these items, they must be deleted within four ( 4 ) business days of this notice. 

Notice If TransUnion can not produce the required documentation within the statutory time limits, you are obligated to immediately delete these accounts from my credit file. Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 

Please treat this as my second and final request for proper documentation. If no evidence is provided, I will proceed under the remedies afforded to me by FCRA 1681n, 1681o and FDCPA 813.

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 2025-09-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The scammer XXXX scam she is asking people to be the model of her arts and then she will connect you to the other customer who will pay you via check and then deposit and it will be available immediately to your account and then she want you to send the money back to her and while the money is pending she will harass you and scaring you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CT

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet hey have placed a collection on your consumer report recently. I am stressed out because this company is violating my right under 15 U.S.C. 1681s-2 ( a ) data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TX

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 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION
State: IL

Complaint narrative:
I requested a copy of my auto finance contract documentation for my vehicle. The lender has refused to provide me with this documentation, which prevents me from renewing or transferring my vehicle registration. I have now been living in Illinois for over one year and the state requires this documentation to issue new plates I have called the lender several times requesting a copy of my auto finance contract documentation. Each time, I was told they would not provide it, or when they said they would send it, I never received anything. This has continued until now and I still do not have the documents I need in order to renew or transfer my vehicle registration in Illinois

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: Synovus Bank
State: TX

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX & XXXX BANK XXXX Late Dates Reported XXXX XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies withXX/XX/XXXX under FCRA XXXX, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, XXXX reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC has declined my depute of XXXX for the amounts listed below. XXXXXXXX XXXX XXXX  payment did not fulfill the job fully. No permits were pulled on the property the work was performed on. 



{$1900.00} XXXX XX/XX/XXXX {$2000.00} XXXX XX/XX/XXXX Reference Number for Dispute XXXX XXXX

Company response to consumer: Closed with explanation