vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Furnisher : Exeter Finance ( XXXX XXXX XXXX  Auto Loan ) Reported Issue : Two ( 2 ) false late payment entries Credit Reports Impacted : XXXX XXXX XXXX XXXX XXXX XXXX reported two late payments by Exeter Finance ( * * XXXX ). XXXX  reflects similar reporting. These entries are false, unlawful, and knowingly inaccurate. 

Fiduciary Authority I am the fiduciary of record for the above living trusts. 

IRS Forms 2848, 56, and 56-F were filed and accepted. 

The IRS Record of Account dated XX/XX/year> confirms : POWER OF ATTORNEY/TAX INFORMATION AUTHORIZATION ( POA/TIA ) ON FILE Once fiduciary authority is recorded and creditors are notified, Exeter Finance has no lawful standing to report late payments against the beneficiarys profile. 

This establishes that Exeter Finance has no legal standing to report derogatory credit entries against me or the trusts. 

Escalation to Federal Agencies This matter has already been formally reported to the Federal Trade Commission ( FTC ) and multiple federal agencies, including DOJ, OCC, IRS-CID, and TIGTA, for federal prosecution. 

XXXX XXXX XXXX are now on constructive notice that they are perpetuating false reporting already under federal investigation. 

Violations FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information known to be false.

FDCPA 15 U.S.C. 1692e : False representation of the status of debt.

IRS Code 26 U.S.C. 7433 : Disregard of fiduciary authority. 

Harm My XXXX dropped to XXXX as of XX/XX/year>. 

This injury prevents the trusts from accessing credit, refinancing, or maintaining economic stability. 


Restitution for harm to the trusts credit standing. Attachments ( Exhibits ) IRS Record of Account XX/XX/year> ( showing XXXX XXXX XXXX ) IRS Form 2848 Power of Attorney ( filed XX/XX/year> ) IRS Forms 56 & 56-F Fiduciary Notices Credit report excerpts XXXX XXXX XXXX XXXX ) showing Exeter Finance late payments-Exeter Finance is unlawfully reporting adverse credit under XXXX XXXX XXXX  despite fiduciary authority and living trust protections. CFPB oversight is required for deletion, corrective action, and restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
Furnisher : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto Loan ) Reported Issue : Two ( 2 ) false late payment entries Credit Reports Impacted : TransUnion & Experian On XX/XX/year>, TransUnion reported two late payments by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Experian reflects similar reporting. These entries are false, unlawful, and knowingly inaccurate. 

Fiduciary Authority I am the fiduciary of record for the above living trusts.

IRS Forms 2848, 56, and 56-F were filed and accepted. 

The IRS Record of Account dated XX/XX/year> confirms : POWER OF ATTORNEY/TAX INFORMATION AUTHORIZATION ( POA/TIA ) ON FILE Once fiduciary authority is recorded and creditors are notified, XXXX XXXX has no XXXXawful standing to report late payments against the beneficiarys profile. 

This establishes that XXXX XXXX has no legal standing to report derogatory credit entries against me or the trusts. 

Escalation to Federal Agencies This matter has already been formally reported to the Federal Trade Commission ( FTC ) and multiple federal agencies, including DOJ, OCC, IRS-CID, and TIGTA, for federal prosecution. 

TransUnion and Experian are now on constructive notice that they are perpetuating false reporting already under federal investigation. 

Violations FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information known to be false.

FDCPA 15 U.S.C. 1692e : False representation of the status of debt.

IRS Code 26 U.S.C. 7433 : Disregard of fiduciary authority. 

Harm My XXXX dropped to XXXX as of XX/XX/year>. 

This injury prevents the trusts from accessing credit, refinancing, or maintaining economic stability. 


Restitution for harm to the trusts credit standing. Attachments ( Exhibits ) IRS Record of Account XX/XX/year> ( showing XXXX XXXX XXXX ) IRS Form 2848 Power of Attorney ( filed XX/XX/year> ) IRS Forms 56 & 56-F Fiduciary Notices Credit report excerpts ( TransUnion & Experian ) showing XXXX XXXX late paymentsXXXX XXXXXXXX is unlawfully reporting adverse credit under TransUnion and Experian despite fiduciary authority and living trust protections. CFPB oversight is required for deletion, corrective action, and restitution.

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 2025-09-05 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I have been the target of a deliberate campaign of false copyright claims led by XXXX XXXX, with the participation of XXXX XXXX XXXX and XXXX XXXX. What makes this case particularly strong is that I have obtained a XXXX XXXX XXXX finding of bad faith against XXXX, along with numerous recorded admissions where she explicitly states that she filed false claims specifically to demonetize my content rather than to protect any legitimate copyright interests. 
I appreciate your interest in reviewing the extensive evidence I've gathered, including : Direct recorded admissions from the defendants XXXX XXXX XXXX XXXX decision finding bad faith Documentation of the coordination between defendants Evidence of XXXX 's refusal to act despite clear abuse and a legal finding Your expertise in this area would be invaluable, as this case involves clear violations of DMCA 512 ( f ), tortious interference with business relationships, civil conspiracy, and other claims. The defendants ' actions have caused significant financial damage to my channel through lost monetization, sponsorship opportunities, and audience growth. 

Thank you again for your consideration. I look forward to the possibility of working with you to address this deliberate abuse of the copyright system Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-09-05 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: SC

Complaint narrative:
I recently reviewed my credit report. I discovered incorrect/ fraudulent information within my personal information section of my credit report. When I further reviewed, I discovered fraudulent inquiries please immediately remove from my credit file to insure total accuracy. The fraudulent inquiries are as follow : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-09-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: PA

Complaint narrative:
I have disputed inaccurate and unverifiable information on my credit report multiple times with Equifax. Specifically, I am disputing the following accounts being reported. 

Despite my written disputes ( Round 1, Round 2, and Round 3 ), the credit bureau ( s ) have failed to properly verify these accounts or provide original documentation, such as signed contracts or account-level records. Instead, they have provided only automated responses through e-Oscar, which does not satisfy the reasonable investigation requirement under the Fair Credit Reporting Act ( FCRA 611 ). 

The continued reporting of these unverifiable accounts is causing ongoing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: AZ

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of inaccurate, outdated, and fraudulent information being reported under my credit profile with TransUnion. 
XXXX. Inaccurate Late Payments & Accounts All of my accounts are current and paid on time. Any reported late payments are inaccurate and must be removed. 
Accounts tied to old addresses and past employers should not still be reflected on my active file. 
XXXX. Incorrect & Fraudulent Information My name has been misspelled as XXXX instead of the correct spelling XXXX XXXX, leading to potential mixed-file errors. 
Collections accounts such as those from XXXX do not belong to me. These accounts have already been disputed and verified as unrelated. 
XXXX. Data Breach & Privacy Violations Due to my repeated disputes with TransUnion, my personal data has been compromised and leaked onto the dark web. This has placed me at increased risk of identity theft, fraud, and financial harm. 
I continue to receive harassing calls and emails from collectors, even after being added to the National Do Not Call Registry multiple times. This is a violation of my consumer rights and adds to the ongoing damage. 

Action Requested : Immediate deletion of all negative remarks, including inaccurate late payments, fraudulent collections, and outdated accounts, as they are the source of continued harassment and directly tied to the TransUnion data breach. 
Permanent blocking of disputed collection accounts not belonging to me. 
Removal of all outdated addresses, employers, and incorrect name variations. 
Written confirmation of these corrections within XXXX days as required by the Fair Credit Reporting Act ( FCRA ). 

Failure to act on this matter will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office for investigation into TransUnions handling of my disputes and the resulting data breach. 

I expect written confirmation once all corrections and removals have been completed.

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 2025-09-05 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: NV

Complaint narrative:
I sent company multiple letters throughout past years requesting certain certified documents related to alleged account to be mailed and this information was requested in good faith pursuant rule 1002 and it was never provided. I also called regarding alleged account to be investigated while speaking with to the back office assist team through portal I express my rights to opt out of all authorizations per the fair reporting credit act as a federal protected consumer which i am and that I may have given to you in writing, unwritten, verbal or non-verbal for sharing my nonpublic information to third parties to opt out. Sec. 15 U.S.C 6802 - Obligations with respect to disclosures of non-personal information. It is ILLEGAL for creditors to report late payments 15 U.S CODE 1681. XXXX never sent certified documents along with the disclosures from section 1637 ( b ). 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 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am challenging the fraudulent accounts currently shown on my credit profile. I did not open, authorize, or use these accounts, and their inclusion is false and harmful to the integrity of 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 non-monetary relief
Consumer complaint received 2025-09-05 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: GA

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 non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Pintor Partners, LP
State: TX

Complaint narrative:
My couple sent me money on XX/XX/XXXX of XXXX  in XXXX XXXX XXXX XXXX. Furthermore, they said that the money would be available for the next day on XX/XX/XXXX of XXXX. However, I traveled to XXXX XXXX XXXX in the direction was given to me, and in that pleace was impossible to get the money hereby. 
On the other hand, I'm in XXXX and my parther is in the united states, that is the reason why she sent me {$94.00}. Nevertheless, the money is not available nowadays. 
Despite I sent an email directly to the company, they never answered me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: CT

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation