vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: IA

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute the accuracy of the following account listed on my credit report. This account contains multiple inaccuracies and incomplete information and does not meet the requirements for accurate reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Auto Loan Basis of Dispute This account is being reported as Collection / Charge-Off, yet the information furnished is inaccurate and misleading for the following reasons : 1. The account reflects a current balance of {$7700.00} with a monthly payment of {$0.00}, which is contradictory and misleading.

2. The account lists a charge-off and profit/loss write-off, yet continues to report a balance without proper clarification of ownership or collection authority.

3. The dates reported ( opened, last payment, and charge-off ) have not been properly verified and may be inaccurate.

4. The account lacks clear verification of who currently owns the debt and whether the furnisher has legal authority to report it.

5. The reporting fails to provide complete and accurate payment history as required under FCRA standards.

Because of these discrepancies, I am requesting full verification of this account. If the furnisher can not provide competent evidence validating the accuracy and ownership of this debt, I request that the account be deleted immediately from my credit report. 

Please conduct a reasonable investigation and provide written confirmation of the results within the time frame required by law. 

Thank you for your prompt attention to this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  Block Request To Whom It May Concern, I am a Victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. Please send me notification of the actions taken. I greatly appreciate your prompt expedited actions of this mater.

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 2025-12-18 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements. 

I have disputed this account directly and/or through the credit reporting agencies. Despite these efforts, the collection agency has not provided adequate proof or corrected the inaccurate 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 2025-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
XXXX XX/XX/year> XXXX XXXX XXXX Why cant I view my escrow account? My monthly payment went down, WHY? Why can't I discuss my concerns with a live person? Do i need to speak with VA to get clarification on my account? 
Customer Service XX/XX/year> XXXX XXXX  XXXX XXXX XXXX! 
Thank you for messaging us. 
We apologize for any inconvenience this matter may have caused.

Please be advised that our Research Department is reviewing the account. Please allow additional time to complete the review. 

I THEN RECEIVED NOTICE MY LOAN PAYMENT WOULD INCREASE. 

The new monthly mortgage payment includes 1 ) changes to the escrow payment amount to help prevent a shortage next year, and 2 ) a payment towards the existing shortage amount. See Section 2 for whats changed in the escrow account and Section 3 for shortage details. WELL AUTOMATICALLY SPREAD THE SHORTAGE OVER 12 MONTHS.

New monthly mortgage payment {$3300.00} Im a bit puzzled because I dont understand why my escrow account was closed, and my payment has increased from {$2600.00} to {$3300.00} for the next year. The escrow was closed just two months ago with a lower payment of {$640.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was reviewing my credit report and noticed an account that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: RI

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of certain collection accounts appearing on my consumer credit report. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. 
After reviewing my credit report, I have identified the following collection accounts ) as inaccurate, incomplete, or unverifiable : XXXX XXXX  XXXX XXXX Date Opened XX/XX/year> These accounts are being reported without proper verification and/or contain inaccurate information. Under 15 U.S.C.

1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

Additionally, if the furnisher of this information can not provide competent evidence to verify the accuracy and completeness of these collection accounts, the FCRA requires that the information be deleted or corrected promptly under 15 U.S.C. 1681i ( a ) ( 5 ). 
Please provide me with : 1. Written confirmation of your reinvestigation results 2. Copies of any documentation used to verify the disputed accounts 3. An updated copy of my credit report reflecting the removal of any unverifiable information If this matter is not resolved within the 30-day statutory timeframe, please be advised that continued reporting of inaccurate or unverifiable information may constitute noncompliance under 15 U.S.C. 1681n and 16810, subjecting your agency to civil liability. 
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 non-monetary relief
Consumer complaint received 2025-12-18 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
The items listed below on my Experian credit report are inaccurate or incomplete, and I request that they be removed from my credit history after investigation. 

CHARGED OFF 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 2025-12-18 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: MN

Complaint narrative:
My credit report shows a single inquiry that I do not recognize. I did not apply with this company, nor did I give permission for my credit report to be accessed. This unauthorized inquiry is a violation of my rights as a consumer, which I take very seriously. With the level of stress I already manage, this inaccurate activity is unacceptable.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint regarding incorrect personal information reported on my credit file. There are incorrect addresses listed on my file, some variations of my name that I want to FIX and an incorrect employer on my file. My name is XXXX XXXX XXXX XXXX, I found that I have a variation of my last name which spelled as XXXX, this is incorrect and I want it to be FIXED, it should be XXXX. I live in XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX and these incorrect addresses ( XXXX XXXX XXXX, XXXX, PA XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX XXXX and XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX are affecting my credit report, and I am requesting that they be immediately deleted. I am also employed at XXXXXXXX XXXX, but I found that there is an incorrect employer on my file and that is XXXX I want this to be DELETED. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information reported. I ask that my credit file be updated to reflect my correct personal information on my file.

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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: NY

Complaint narrative:
I was a victim of identity theft and was trying yo dispute but is still showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
My account with EQUIFAX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX XXXX  TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. Reported 30 days late in XX/XX/XXXX, AND 60 DAYS LATE XX/XX/XXXX. The late payments is inaccurate and unverified. Please conduct a full reinvestigation and remove or correct the late payment history.. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX BALANCE {$3500.00} 2. I was never been late on this account I always paid on time. Please remove the late payment for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$17000.00} 3. Reports show inconsistent 30-day late and 60 days entries. I always paid on time and I was never been late. Please remove immediately all the late payments. 
XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$890.00} 4. The balance payment history and current status appear inconsistent with the creditors own records. No supporting documentation has been provided to validate ownership or balance accuracy. This may indicate inaccurate or incomplete data reporting under FCRA 623 ( a ). 
XXXX XXXX XXXX DATE OPENED XX/XX/XXXX 5. Charged-off with no clear charge-off or last payment date. Verify actual last payment charge-off date and ensure Date of First Delinquency is accurate. 
XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$14000.00} 6. This was paid before it went to the charged off. Please delete this immediately. 
XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00} 7. The inquiry was not authorized XXXX XXXX DATE OF INQUIRY XX/XX/XXXX 8. The inquiry was not authorized XXXX  DATE OF INQUIRY XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX DATE OF INQUIRY XX/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 non-monetary relief
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
I mailed a written dispute to TransUnion regarding several inaccurate items on my credit report. TransUnion recently sent a postcard dated XX/XX/year> claiming that my dispute did not appear to come directly from me, even though I personally prepared, signed, and mailed the dispute. No credit repair company or third party is involved. 

This is an improper stall letter and TransUnion has refused to begin the reinvestigation required under FCRA 611 ( a ). TransUnion already has my full identifying information and I have again confirmed my identity. There is no valid basis for rejecting or delaying my dispute. I submitted a written dispute to TransUnion on XX/XX/year>, including all of my identifying information ( full name, address, SSN, and supporting documents ). This dispute was mailed directly by me, the consumer. I did not use any credit repair company or third party. Before listing the accounts below, I want to make it clear that the account type, account status, date opened, and credit limit information being reported for these accounts is incorrect and inaccurate, which is why I am disputing them. On XX/XX/year>, TransUnion sent me a notice claiming that my dispute did not appear to come directly from me and refused to investigate. This is incorrect. I personally wrote and mailed the dispute. TransUnion already had all of the necessary identity information to verify that the dispute came from me. TransUnion did not reinvestigate any of the accounts in my dispute and used this excuse to avoid their obligations under the Fair Credit Reporting Act. They rejected a valid consumer dispute without conducting the legally required investigation under 15 U.S.C. 1681i ( a ). I am now forced to submit this complaint because TransUnion is refusing to process a legitimate dispute and is using improper stall tactics to avoid reinvestigating inaccurate information on my credit report. 
Accounts Disputed : XXXX XXXX Account number : XXXX The account type, account status, date opened, and credit limit are incorrect. Please delete this account ASAP and send me an update. 
XXXX Account number : XXXX The account type, account status, date opened, and credit limit are incorrect. Please delete this account ASAP and send me an update. 
XXXX Account number XXXX The account type, account status, date opened, and credit limit are incorrect. Please delete this account ASAP and send me an update. 
XXXX Account number XXXX The account type, account status, date opened, and credit limit are incorrect. Please delete this account ASAP and send me an update.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  Block Request To Whom It May Concern, I am a Victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. Please send me notification of the actions taken. I greatly appreciate your prompt expedited actions of this mater.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this dispute to request an investigation into certain items on my Experian credit report that I believe are inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I request that Experian investigate and remove or correct the following items. 

Charged-Off Accounts The following charged-off accounts are listed on my Experian credit report, and I dispute their accuracy : XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX XXXX XXXXXXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX XXXXXXXX Account number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$23000.00} XXXX XXXX BANK Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$41000.00} XXXX XXXX XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} TXXXX XXXX XXXXXXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXXXXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9900.00} I request that these accounts be verified or deleted from my credit report if they can not be substantiated. 

Unauthorized / Unverifiable Inquiries The following inquiries are listed on my Experian credit report, and I dispute their validity. I request verification of permissible purpose for these inquiries or their immediate removal : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payment Reporting The following account is reporting a late payment that I dispute : XXXX XXXX  Account number : 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 2025-12-18 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: KY

Complaint narrative:
The items listed below on my TransUnion credit report are inaccurate or incomplete, and I request that they be removed from my credit history after investigation. 

CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$420.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1500.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$870.00} XXXX XXXX XXXX, XX/XX/XXXX, {$970.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$780.00} INQUIRIES XXXX XXXX XXXX None reported. 

LATE PAYMENT XXXX, XXXX

Company response to consumer: Closed with non-monetary relief