vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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:
I am filing a formal complaint against Equifax Information Services LLC for continuing to report inaccurate, unverifiable, duplicate, and unauthorized information on my credit report. 

I submitted a formal written dispute and cease and desist letter to Equifax requesting full validation and deletion of several problematic items, but the bureau failed to respond appropriately or comply within the 30-day legal window.

I was impacted by a documented data breach, and my personal information remains exposed. Under 15 U.S.C. 1681g and 1681e ( b ), Equifax is legally obligated to ensure the maximum possible accuracy of my file, especially when risk of fraud is elevated. 

Disputed items include : - Duplicate reporting of the same T-Mobile debt via both XXXXXXXX XXXX  and XXXX XXXX XXXX ( confusing and materially misleading ) - XXXX XXXX and XXXX XXXX : reporting balances and statuses without validation or proof of liability - Current/EBFF : Listed simultaneously as Paid and Charged Off this is factually inaccurate and misleading - Multiple unauthorized inquiries from lenders and auto dealers ( e.g., XXXX XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX with no signed consent Equifax has violated FCRA 1681e ( b ), 1681g, 1681b, and 1681i. These items are harmful, unverifiable, and remain after proper dispute, which violates my rights as a consumer. 

I am seeking full deletion of these entries and confirmation that my credit report is accurate and legally compliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To Whom it may concern, I am filing a formal complaint against Exeter Finance regarding a car loan I obtained for a XXXX XXXX XXXX on XX/XX/XXXX from XXXX in XXXX Delaware. The original purchase price including interest was {$21000.00}, which I applied a {$5000.00} cash down payment bringing my remaining balance {$16000.00}. Over the course of the loan, I have made a confirmed XXXX payments totaling {$15000.00} to Exter finance. 
Despite having paid a total of {$20000.00}, Exeter is now claiming that I still owe an additional {$16000.00}, which would bring the total cost of the loan to over $ XXXX nearly double the original vehicle price. I believe this may involve : Predatory lending or unfair loan terms Extremely high and potentially undisclosed interest or fees Misapplied payments or inaccurate accounting. 
I have requested a detailed pay-off statement and full payment history from Exter. I spoke with a representative who told me that I paid {$20000.00} to principal interest. I have not received a adequate explanation that justifies remaining balance. 
Giving the XXXX settlement between the Delaware Attorney Generals Office and Exeter Finance over similar practices, I am deeply concerned that I may be one of the many affected consumers. 

I am requesting : A full review of my loan terms, payment history, and remaining balance. 
Relief and correction of the balance is inflated and unlawfully calculated Investigation into whether Exeter Finance is continuing to engage in deceptive practices in Delaware.

I am attaching any supporting documentation I have ( payment receipts, loan contracts, and account statements ). I request a formal investigation into this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
I am writing to formally dispute inaccuracies in the personal information section of my credit report. Specifically, the report lists multiple phone numbers and email addresses that are not associated with me. For clarification, I have only one valid phone number and one email address, which are as follows : XXXX and XXXX Remove anything else that are not these. 

Best regards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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:
I am writing to formally dispute inaccuracies in the personal information section of my credit report. Specifically, the report lists multiple phone numbers and email addresses that are not associated with me. For clarification, I have only one valid phone number and one email address, which are as follows : XXXX and XXXX Remove anything else that are not these. 

Best regards

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 2025-08-02 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: TX

Complaint narrative:
A late payment has been listed in error, which contradicts my established history of timely payments. I urge you to address this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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:
I am writing to formally dispute incorrect personal information listed on my credit report. Specifically, the report includes several phone numbers and email addresses that are not associated with me. For clarification, I have only one valid phone number and one valid email address, which are as follows : XXXX and XXXX Remove anything else that are not these. 

Best regards

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 2025-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I'm not sure because their statements only say XXXX XXXX not sure if its an llc or not. The company is located at XXXX XXXX XXXX, Texas XXXX to clarify which company. Their phone number is XXXX. XXXX finance gave me a predatory loan with an extremely high interest rate. When I defaulted, they repossessed the car without my knowledge. My mom was a co-signer on the account. I had already had this removed from my credit report but my mom started getting harassing calls from the collection agency and set up a payment plan. We later found that XXXX XXXX never had a license to lend in Georgia which made the loan illegal and unenforcable. I would like to recover whatever refund I'm able to collect. When XXXX was asked to confirm that they are a licensed lenders they never responded. I didn't provide this request in writing I asked for it over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I asked XXXX XXXX ( XXXX ) for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting Experian, TransUnion, and Equifax several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts Furthermore, FCRA 1681e ( b ) mandates that credit reporting agencies maintain maximum possible accuracy. A closed, paid-in-full account that generates no adverse impact is, by definition, obsolete. Its continued presence misleads potential creditors about my true credit profile, violating FCRA 1681c ( c ) on obsolete information. I'm demanding be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I asked XXXX XXXX ( XXXX ) for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting Experian, TransUnion, and Equifax several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts Furthermore, FCRA 1681e ( b ) mandates that credit reporting agencies maintain maximum possible accuracy. A closed, paid-in-full account that generates no adverse impact is, by definition, obsolete. Its continued presence misleads potential creditors about my true credit profile, violating FCRA 1681c ( c ) on obsolete information. I'm demanding be removed.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

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

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 2025-08-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX RE : Dispute of Collection Account - {$1400.00} To Whom It May Concern, I am writing to formally dispute the collection account listed under my name in the amount of {$1400.00}, which is being reported by XXXX XXXX XXXX. I have reason to believe that this account does not belong to me and is being reported in error. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information being reported to the credit bureaus. According to 15 U.S. Code 1681s-2 ( a ), a furnisher of information ( such as XXXX XXXX XXXX XXXX not furnish information that it knows or has reasonable cause to believe is inaccurate. 

Furthermore, under 15 U.S. Code 1681i, I am requesting an immediate reinvestigation of this account and a deletion from my credit report if XXXX XXXX can not provide documentation validating that this debt is mine. If no valid proof of debt ownership and liability can be provided ( including signed contracts or billing history ), this account must be removed from all consumer reporting agencies. 

Additionally, under FCRA 605B, if an account is the result of identity theft or fraud, it must be blocked from appearing on a credit report within four business days of receipt of appropriate documentation. While I am not asserting fraud at this time, I am requesting proof that you are lawfully reporting this debt under my personal information. 

If you are unable to verify the validity and ownership of this debt, I respectfully demand that you immediately delete this account from all credit bureaus and cease all collection efforts related to it. 

Please provide written confirmation that this account has been removed or validated, along with a copy of any documentation supporting the debt, within 30 days of receipt of this letter. 

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 reported to be removed/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. 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!

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: IL

Complaint narrative:
CEASE AND DESIST NOTICE From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> RE : CEASE AND DESIST UNAUTHORIZED AND FRAUDULENT CREDIT REPORTING / COLLECTION ATTEMPTS To Whom It May Concern, This letter serves as a formal legal notice and demand that XXXX XXXX XXXX immediately cease and desist all unlawful reporting, collection, and use of false information relating to my credit file and alleged AT & T account.

The information you have reported and/or attempted to collect is inaccurate, fraudulent, and unauthorized. Your continued actions violate : 15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act ) Prohibiting the furnishing of inaccurate consumer information to credit reporting agencies.

15 U.S.C. 1692 et seq. ( Fair Debt Collection Practices Act ) Prohibiting false representation of debts, harassment, and collection of debts not owed.

Applicable State Fraud & Deceptive Practices Laws Prohibiting misrepresentation and financial harm through false reporting.

Accordingly, I hereby demand : 1. Immediate deletion of all false credit information you have reported to any consumer reporting agencies ( Experian, Equifax, TransUnion, or others ). 2. Written confirmation within thirty ( 30 ) days of receipt of this Notice that such inaccurate information has been permanently d
eleted and that no further reporting will occur.

3. Cessation of all collection activity related to this alleged account, including but not limited to phone calls, letters, and third-party reporting.

Failure to comply with this Notice will result in legal action against Credence Resource Management, including : Filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office. 
Civil litigation seeking damages, legal costs, and any other remedies provided under state and federal law. 

This Notice constitutes a final warning. Any further misrepresentation, reporting, or harassment will be treated as evidence of intentional misconduct and bad faith.

Reservation of Rights I reserve all rights under UCC 1-308 and all common law rights. Nothing herein shall be construed as consent to any alleged claim, contract, or obligation not lawfully proven to exist. 



Sincerely, XXXX XXXX XXXX Living Man / Secured Party Creditor XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NC

Complaint narrative:
Upon receiving mail and checking my information I have discovered that I am the victim of identity theft due to massive data breaches. 

I am attaching a copy of my identity as well as a copy of my FTC report.

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 2025-08-02 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: IL

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

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