vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am in no way tied to these accounts ; they must be removed within 15 days by law USC 1681g.

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 2025-11-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I never authorized its creation or use. Enclosed are the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is an unauthorized inquiry on my credit report that I have disputed multiple times, this will now be the sixth time I am raising this issue, yet it still hasnt been resolved. I never applied for credit with this company nor gave consent for them to access my information. Its extremely frustrating and stressful to keep seeing this inquiry remain despite my repeated disputes, and Im anxious about why this continues to happen without proper action being taken.

In addition, I am writing to request the correction of my personal information on my credit report. An old and inaccurate address is still being reported under my file, which has been causing issues with my credit applications and creating unnecessary frustration. This outdated information should no longer be linked to my profile, as it does not represent my current or accurate residence.

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 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am filing this complaint against Exeter Finance LLC and XXXX for knowingly reporting false and re-aged credit data in violation of the Fair Credit Reporting Act ( FCRA ). 



This account ( Exeter Finance LLC Auto Loan, opened XX/XX/XXXX ) was previously charged off, but XXXX has re-aged it multiple times to make it appear newer and more damaging to my credit profile. 



Specifically : XXXX shows the account as Charged Off with a new reported date of XX/XX/XXXX. 

The last payment is listed as XX/XX/XXXX yet the account was already delinquent and closed years prior. 

The balance ( {$18000.00} ) remains unchanged across bureaus despite deletion activity and prior disputes. 

XXXX XXXX XXXX previously displayed different timelines, confirming conflicting data across all three bureaus. 



This manipulation artificially extends the derogatory impact of this tradeline beyond the XXXX reporting limit under FCRA 623 ( a ) ( 5 ) and violates XXXX duty to maintain maximum possible accuracy under FCRA 607 ( b ). 



I mailed certified disputes to both Exeter Finance and XXXX in XX/XX/XXXX ( tracking confirmed delivered ). No mailed response or validation was provided. Despite that, XXXX continued verifying the account as accurate and Exeter continued furnishing updates, even sending a marketing-style email in XX/XX/XXXX encouraging me to get back on track a direct communication about a charged-off debt still under dispute. 

Violations : FCRA 623 ( a ) ( 5 ) Illegal re-aging of account to extend reporting period.

FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation.

FCRA 623 ( b ) Furnisher failure to correct disputed data after notice.

FCRA 607 ( b ) XXXX failed to ensure maximum possible accuracy. 

FDCPA 807 ( 2 ) ( A ) Misrepresentation of account status post charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CO

Complaint narrative:
I am filing this complaint regarding XXXX inaccurate reporting of late payments. I paid my account on time, and even after confirming receipt of my payments, XXXX continues to report them as late. I have attempted multiple times to get a corrected report, but their responses have been inconsistent. This misinformation is impacting my creditworthiness. I request CFPBs assistance in having XXXX verify or correct these entries immediately.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: MOHELA
State: FL

Complaint narrative:
I have been disputing inaccurate credit reporting by MOHELA. Between late XXXX and Over the last year, MOHELA sent billing and delinquency notices to my former college address, even though they had my correct phone number and email address on file. They never attempted to contact me by phone or email before reporting my account as delinquent for several months.

I recently sent MOHELA three registered letters providing detailed documentation of this communication failure and requesting correction of my credit report. Each time, I received the exact same generic form letter, addressed to Customer, with only the date changed. None of the responses addressed the facts I presented. 

I spoke with a representative named XXXX on XX/XX/XXXX. She stated that MOHELA made phone and email contact attempts during the period of reported delinquency and promised to send me copies of the emails. As of today, I have not received them. XXXX also referenced a letter dated XX/XX/XXXX, stating that MOHELA would not investigate further. However, on XX/XX/XXXX, I spoke with another representative, XXXX, who told me that my case would be investigated. 

We were previously notified me that my loans had been transferred to XXXX years ago, so I believed MOHELA was no longer my servicer. I only recently discovered that, for some loans, this transfer never occurred and that MOHELA was still managing the loans. I immediately brought the loans current once I learned this. 

At this point, it is unclear whether any investigation is underway. I am seeking confirmation that MOHELA is conducting a proper review and that my credit reporting will be corrected to reflect their failure to contact me through the correct channels before reporting delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: FL

Complaint narrative:
On XX/XX/year> and XX/XX/year> my son had doctor appointments at XXXX XXXX XXXX in XXXX, FL. We paid both copays in the amount of XXXX per copay. We then began receiving bills for the copay that had already been paid. The hospital insisted that there were XXXX copays for each visit. We refused to pay the additional copays because we believe it violates XXXX and CFPB policy for double billing. Sacred XXXX has now referred our " debt '' to : Frost-Arnett XXXX XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX Customer Code : XXXX We have no intention paying the debt which is currently {$87.00}. ( {$38.00} copay XXXX + XXXX fee ) because we do not believe the bill is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
These accounts are falsely attributed to me ; they should be removed within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I deny any link to these accounts ; they are to be removed within 15 days as stated in USC 1681g.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had applied for a Citi Bank credit card which I was approved for. Then my card was blocked due to verification that took forever. I have sent Citibank the proper paperwork to conduct my verification and before they even tried to verify the information they request. They decided to close my account for no reason what so ever.

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 2025-11-04 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a claim with Capital One Bank under the claim # XXXX provided. I reported the issue as a theft by a merchant named XXXX XXXX, a mechanic who had me send him money via XXXX XXXX {$400.00} to purchase parts to fix my car. However, he never came to fix my car or provide any services. 

I sent multiple messages and made several attempts to either get my money back or have him repair the vehicle, but he disappeared with my funds. I informed Capital One of all this and even tried to submit documentation showing that this person ran off with my money.

Despite this, Capital One denied my claim, stating that after review, the payment was processed according to my instructions. While its true that I authorized the payment, it was made for the purpose of purchasing parts and repairing my vehicleservices that were never rendered.

I have tried calling Capital One multiple times to appeal the decision but have received the runaround from several agents. I was repeatedly transferred, and one agent told me that I could not appeal the decision, which was incorrect because another agent later confirmed that I could. Overall, I have been given inconsistent information and poor assistance, and I strongly believe that this decision is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I am filing this complaint regarding Exeter Finance due to unfair, deceptive, and abusive loan servicing practices, including interference with a valid loan payoff, improper fee assessment, and negative credit reporting as a result of lender misconduct. 

After purchasing a used vehicle, I attempted to immediately cancel the loan and return the vehicle due to undisclosed mechanical defects and dealer misrepresentation. The dealership refused to cancel the transaction, and I promptly notified Exeter and attempted to stop the loan from being finalized. 

Exeter advised me to wait for processing, then later informed me they could not stop the loan and that I was required to retrieve the defective vehicle from the dealership. 

Shortly after, Exeter provided a written payoff quote and instructions. On XX/XX/year>, I sent a full payoff payment of {$16000.00} ( via certified funds ). The payment was received, posted, then reversed on XX/XX/year> without notice or explanation. My funds were returned to me without my request, and no payoff was honored. 

Despite following their payoff instructions, Exeter continued to charge interest and fees, assessed late fees, reported delinquency, and refused to resolve the matter. I requested assistance multiple times and was directed to call centers that were unable or unwilling to address the issue. 

This conduct has resulted in ongoing financial harm, negative credit reporting, and emotional and administrative burden. I am requesting regulatory review and resolution. 
I am prepared to provide evidence including payoff quote, bank records, payment reversal history, and written correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
Kindly assess the included documentation ; the inquiries appeared without advance notice and may be questionable.

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 2025-11-03 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX 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 2025-11-03 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: GA

Complaint narrative:
No connection exists between me and these accounts ; remove them within 15 days as per USC 1681g.

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 2025-11-03 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have XXXX accounts that have been opened at Citi Bank without my authorization, and they appear in my XXXX Credit report. I have no knowledge of these accounts. 
I have tried to remedy this with Citi Bank many, many times. I have even flown from XXXX to the Citi Bank XXXX in XXXX XXXX, SD, and met with the personnel. The branch address appears at the bottom of the XXXX credit report. 

Here is the problem, whether on the phone, online and even with the personal meeting I had at the branch in XXXX XXXX, I am told that I do not have accounts with Citi Bank. 
The first question Im always asked by Citi bank personnel is : what is my credit card number? I then tell them that I do not have a Citi Bank credit card ; I have never been into a Citi Bank nor ever applied for a card or to open an account....... So its impossible to have a card number. 

If the bank personnel look up my name, or my social security number, my address, or phone number, none of these details match any account. I have been told numerous times that I do not have an account with Citi Bank, so they can not help me, and that I should work this out with XXXX. 

The people at XXXX  on the other hand, tell me that they only work with information that is supplied to them by the banks and that I must contact Citi Bank. I have hit a blank wall! The Citi bank personnel are unwilling to assist me further, even though I flew to the XXXX in XXXX XXXX and spoke to them personally.

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 2025-11-04 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: IL

Complaint narrative:
TransUnion has demonstrated gross negligence in handling consumer information and repeatedly violated its obligations under the Fair Credit Reporting Act ( FCRA ). The company experienced a data breach on XX/XX/year>, compromising sensitive consumer data. Shortly thereafter, on XX/XX/year>, I received XXXX alerts from XXXX subscription that my personal information had been found on the dark web a direct consequence of TransUnions data security failure. 
In addition, TransUnion continues to report inaccurate and unverifiable information on my credit file, including an XXXX XXXX account and a bankruptcy record that they claim to have verified. The courts do not verify any consumer credit information with credit bureaus, making this claim false and misleading. 
TransUnion has failed to produce a true and signed contract or any original documentation supporting the validity of the XXXX account, as required for accurate reporting under the FCRA. This ongoing misconduct combined with their data breach shows a reckless disregard for consumer rights, privacy, and federal law. 
I demand immediate corrective action, a full investigation into these violations, and permanent removal of all unverifiable information 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 non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
Company didnt provide 1099c, which disabled me to right off as income as I requested. Per 15 usc 1681i, I asked the to provide documentation to prove ownership, which wasn't provided. According to 15 usc 1692g i have the right to request proof that this debt is real and that I own this debt. This is a formal request for validation of debt pursuant to 15 U.S.C. 1692g. Please provide proof that I am legally obligated to pay this alleged debt, including the name of the original creditor, itemized accounting, and verification of your right to collect. Which ive already requested and hasn't been done. Im asking that these accounts stop being reported on my credit report immediately.

Company response to consumer: Closed with explanation