vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I paid according to the directive to the American tax collector because I am not an American citizen, the bank told me to ask for a refund because there was no need to pay, the same bank has not returned XXXX euros to me for 6 months, it received the money, now it avoids returning it, criminal,,, * * Bank Name : * * Bank of America * * Bank Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX Beneficiary Name : XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXXXXXX XXXX XXXX Routing Number : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX, XXXX have proof of payment, the bank does not want to return my money,,

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 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I recieve up to XXXX phone calls per day about a debt collection that I can not afford to pay currently. Each time im left a voicemail about this debt and how I need to contact them back. I want the harassing calls to stop. Their number is 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 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Subject : Exeter Finance LLC XXXX XXXX XXXX Reporting I dispute the Exeter Finance LLC account XXXX. Exeter Finance is furnishing conflicting balances and delinquency dates across bureaus, violating FCRA 607 ( b ). Without signed contracts and payment records, this account must be deleted per 611 ( a ). I have reached out to the company directly in attempt to resolve the matter with no success. This company also has open lawsuits due to voalating consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX - XXXX  XXXX XXXX Balance : {$25.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. XXXX  ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX BANK XXXX. ) XXXX Balance : {$1400.00} XXXX BANK XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX - XXXX  XXXX XXXX Balance : {$25.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. XXXX  ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX BANK XXXX. ) XXXX Balance : {$1400.00} XXXX BANK XXXX Balance : {$1400.00}

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 2025-09-18 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: KS

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit 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 explanation
Consumer complaint received 2025-09-18 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-09-18 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: 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 submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( XXXX ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( XXXX ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being.

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 2025-09-18 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I assert that I have not provided proof of the alleged debt under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX  ). In the absence of documentation verifying the debt, despite my request for such proof, I presume no valid debt exists. Furthermore, as the information in question results from alleged identity theft, I request its removal from my consumer file, pursuant to 15 U.S.C. 1681c2, within XXXX business days of receipt of this notice. 



I demand the immediate deletion of the following unauthorized accounts from my consumer report, as required under 15 U.S.C. 1681c2, within XXXX business days of receipt of this notice # XXXX Under 15 U.S.C. 1681c2, a consumer reporting agency must block any information in a consumers file that the consumer identifies as resulting from alleged identity theft within XXXX business days of receiving the consumers request. 



I demand the immediate deletion of the following unauthorized accounts from my consumer report, as required under 15 U.S.C 1681c XXXX within XXXX business days of receipt of this notice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$12000.00} - says charged off but i never received XXXX and it still appears on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe contain incorrect information. Under my rights provided by 15 USC 1681e ( b ) and 1681i, I am entitled to a credit report that is accurate and reliable. I am requesting a review of these accounts, and if they can not be verified as accurate, I request their removal.

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 2025-09-18 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: PA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. 
These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this XXXX-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), XXXXXXXX XXXX XXXX XXXX XXXX  and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am filing this complaint because Experian has failed to properly investigate my credit disputes, continues to report inaccurate information, and has even reinserted deleted information without notice. These actions are identical to the misconduct described in the CFPBs lawsuit against Experian for sham investigations. 

Issues with My Personal Information I have disputed incorrect names and addresses on my Experian credit report XXXX times. 
While Experian initially removed some of these items, they later reinserted all of the incorrect names and addresses without providing the required reinsertion notice under the FCRA. 
I am requesting that all inaccurate names and addresses be permanently deleted from my Experian file. 

Issues with XXXX XXXX XXXX ( XXXX ) Experian is reporting a collection account from XXXX XXXX XXXX 
This account is inaccurate, unverifiable, and does not belong on my credit report. 
Despite my disputes, Experian has not provided any documentation to verify the account, and they continue to report it, which has significantly harmed my credit score and ability to access credit. 
I am requesting that this account be permanently deleted from my credit report. 

Experians Failed Investigations The disputes I submit are met with generic template responses. 
No proper reinvestigation has been done. 
Experian is providing inconsistent data compared to Equifax and TransUnion. 
I have been unable to access accurate, complete credit files. 

Harm Suffered Because of these failures, I have : Lost access to credit opportunities Experienced a lowered credit score Suffered ongoing stress from Experians refusal to correct errors Resolution I Am Requesting XXXX. Permanent deletion of the XXXX XXXX XXXX account. 
XXXX. Permanent deletion of all inaccurate names and addresses from my Experian credit report. 
XXXX. A full and corrected copy of my Experian credit file reflecting these changes. 
XXXX. Written confirmation that Experian will comply with FCRA requirements regarding reinsertion and investigations. 

Experians failure to follow the law is ongoing and causing me harm. I am asking the CFPB to ensure that Experian complies with the FCRA and corrects my file immediately. 
You can find my previous complaints on CFPB Website Already

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing this complaint because Experian has failed to properly investigate my credit disputes, continues to report inaccurate information, and has even reinserted deleted information without notice. These actions are identical to the misconduct described in the CFPBs lawsuit against Experian for sham investigations. 

Issues with My Personal Information I have disputed incorrect names and addresses on my Experian credit report XXXX times. 
While Experian initially removed some of these items, they later reinserted all of the incorrect names and addresses without providing the required reinsertion notice under the FCRA. 
I am requesting that all inaccurate names and addresses be permanently deleted from my Experian file. 

Issues with XXXX XXXX XXXX ( XXXX ) Experian is reporting a collection account from XXXX XXXX XXXX 
This account is inaccurate, unverifiable, and does not belong on my credit report. 
Despite my disputes, Experian has not provided any documentation to verify the account, and they continue to report it, which has significantly harmed my credit score and ability to access credit. 
I am requesting that this account be permanently deleted from my credit report. 

Experians Failed Investigations The disputes I submit are met with generic template responses. 
No proper reinvestigation has been done. 
Experian is providing inconsistent data compared to Equifax and TransUnion. 
I have been unable to access accurate, complete credit files. 

Harm Suffered Because of these failures, I have : Lost access to credit opportunities Experienced a lowered credit score Suffered ongoing stress from Experians refusal to correct errors Resolution I Am Requesting XXXX. Permanent deletion of the XXXX XXXX XXXX account. 
XXXX. Permanent deletion of all inaccurate names and addresses from my Experian credit report. 
XXXX. A full and corrected copy of my Experian credit file reflecting these changes. 
XXXX. Written confirmation that Experian will comply with FCRA requirements regarding reinsertion and investigations. 

Experians failure to follow the law is ongoing and causing me harm. I am asking the CFPB to ensure that Experian complies with the FCRA and corrects my file immediately. 
You can find my previous complaints on CFPB Website Already

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