vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Since XX/XX/scrub> 2025, I have repeatedly disputed fraudulent and inaccurate accounts with TransUnion, Experian, and Equifax, submitting certified mailings on XX/XX/year>2025, XX/XX/year>2025, and XX/XX/scrub> 2025, plus portal resubmissions on XX/XX/XXXX and XX/XX/year>2025. Each included my FTC ID Theft ReportXX/XX/XXXXXXXX, Police Report XX/XX/XXXXXXXX, government ID, proof of address, and sworn affidavit. Despite this evidence, TransUnion, Experian, and Equifax failed to comply with 15 U.S.C. XXXX ( c ) ( XXXX ), XXXX ( a ) ( XXXX ) ( A ), XXXX ( a ) ( XXXX ) ( B ), and XXXX ( b ), repeatedly closing disputes as verified without proof or investigation results. 

XXXX Accounts to be permanently deleted : Dept. of Education / XX/XX/XXXX( acct prefix XXXX ) : multiple sub-loans originating XXXX ( {$5300.00} / {$3900.00} / {$1000.00} / {$1500.00} / {$7400.00} ). These are XXXX years old, violating XXXX ( a ) ( XXXX ) ( XXXX ) ( XXXX limit ). They have been re-aged and show false payment histories, though NO payments were ever made BUT the furnisher indicates that payments were made. No proof of payment, No original promissory note or chain-of-title was provided, violating XXXX XXXX. XXXX and XXXX C.F.R. XXXX ( b ) ( XXXX ) ( XXXX ). 
XXXX XXXX ( card ending XXXX ) : repeatedly verified without documentary proof. XXXX provided only statements and an IP address tracing to XXXX state Ive never lived or transacted inconfirming fraud. No signed agreement, authorization, or validation exists. 

XXXX Transunion, Experian, Equifax have ignored its duty to block fraudulent data within XXXX days ( XXXX ( c ) ( XXXX ) ) and to notify me of any reinsertion within XXXX days ( XXXX ( a ) ( XXXX ) ( B ) ). These failures constitute willful non-compliance under XXXX. I request immediate deletion and permanent suppression of all listed accounts, written confirmation of compliance, and CFPB enforcement review for repeated FCRA violations.

I request CFPB enforcement review and referral for systemic non-compliance with the 2025 CFPB enforcement order against Experian for sham investigations, as this conduct mirrors those findings.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I regularly monitor my credit report because maintaining an accurate credit score is very important to me. However, I continue to see inaccurate and false information reported under my name. This issue has been ongoing despite my repeated efforts to have it corrected. It has become extremely stressful and exhausting to deal with, and these persistent inaccuracies are unfairly damaging my credit standing and affecting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: MS

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TN

Complaint narrative:
XX/XX/year> The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name is XXXXXXXX XXXX XXXXXXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX, Tennessee XXXX The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
Incorrect Address - XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXX XXXX XXXX The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXX - XXXX following personal information is incorrect- Please delete this from my credit report. 
Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting. 

Thank 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 explanation
Consumer complaint received 2025-10-24 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: TN

Complaint narrative:
XX/XX/year> The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name is XXXXXXXX XXXX XXXXXXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX, Tennessee XXXX The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
Incorrect Address - XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXX XXXX XXXX The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXX - XXXX following personal information is incorrect- Please delete this from my credit report. 
Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX XXXX 
Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, AZ XXXX XXXX XXXX XXXX, XXXX, 2025 Consumer Financial Protection Bureau\XXXX XXXX. XXXX XXXXXX/XX/XXXX DC XXXX XXXX : Complaint Regarding Exeter Finance LLC Account XXXX XXXX To Whom It May Concern, I am submitting this formal complaint regarding Exeter Finance LLCs reporting of my auto loan account ( XX/XX/XXXXXXXX ) and its compliance with the Truth in Lending Act and accurate credit reporting requirements. 
Complaint Summary : \nMy auto loan from Exeter Finance had a term of XX/XX/XXXXmonths. Under 15 U.S.C. XXXX, the use of the Rule of XXXX ( or a substantially similar precomputed interest method ) is prohibited for consumer credit transactions exceeding XX/XX/XXXX months. I believe Exeter either used or reported in a manner consistent with a prohibited method, which may have resulted in miscomputed finance charges, an inaccurate payoff balance, and subsequent inaccurate credit reporting. 
Additionally, the trade-line furnished to the credit reporting agencies appears to violate Metro 2 dataformat standards : incorrect status codes, potential discrepancy in the Date of First Delinquency, and possibly unverifiable information. I request that the CFPB investigate Exeter Finances furnishing practices and ensure deletion of any inaccurate trade-line. 
Requested Action : XXXX ask that the CFPB take action to require Exeter Finance LLC to : Verify whether the finance charges on the XXXX loan were calculated using the Rule of XXXX or similar method. 
If so, recalculate the finance charges and adjust the account accordingly. 
Delete the trade-line for Account XX/XX/XXXXXXXX so that it conforms with Metro 2 standards and reports only verified, accurate information across all credit bureaus. 
I have attached copies of my correspondence, the contract ( if available ), relevant statements, and evidence of the reported trade-line for your review. 
Thank you for your attention to this matter. I look forward to your response and the resolution of this complaint. 
Sincerely, Identifying Information : XXXX Name : XXXX XXXX XXXX SSN ( last XXXX ) : XXXX DOB : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-24 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/XXXXXXXX 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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
Ensure timely deletion of accounts under dispute, following legal requirements.

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 2025-10-24 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: NY

Complaint narrative:
I make it a point to monitor my credit report regularly because maintaining a strong credit score is important to me. However, I continue to find inaccurate and false information being reported under my name. This has been an ongoing issue that remains unresolved despite my repeated attempts to have it corrected. Its incredibly stressful and exhausting to deal with these repeated inaccuracies, as they are unfairly damaging both my credit score and my peace of mind.

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 2025-10-24 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-24 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: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: AL

Complaint narrative:
Thank you for allowing me to submit this cfpb report. These fraudulent inquiries were not me and that is why they must be removed. 
XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as these inquiries still remain. This inaction is unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns about possible identity theft and reflects a failure to protect my personal 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 non-monetary relief
Consumer complaint received 2025-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have long been aware of several inquiries on my credit report that I do not recognize or authorize. Despite my previous attempts to have them removed, these unauthorized inquiries remain, which is both frustrating and unacceptable. I never gave these companies permission to pull my credit report, nor did I apply for any credit with them. Its extremely disappointing to see my rights as a consumer repeatedly disregarded, especially given the unnecessary stress this ongoing issue continues to cause 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 2025-10-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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