vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: MO

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Subject : Formal Complaint Unlawful Reporting of Co-Signed Auto Loan Debt I am filing this complaint against XXXX XXXX XXXX and the credit reporting agencies ( Experian, Equifax, TransUnion ) for willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ). 

Facts of the Case 1. I was listed as a co-signer on an auto loan for XXXX XXXX, account # XXXX. 
XXXX. The original creditor has continued to report derogatory information against me, despite failing to provide verifiable documentation with my wet-ink signature authorizing this debt obligation. 
XXXX. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demanded an investigation. No proper investigation has been conducted within the 30-day requirement.

4. Reporting unverifiable or inaccurate debt constitutes a furnisher violation under 15 U.S.C. 1681s-2 ( b ).

Violations Failure to verify debt : The creditor has not produced a legally binding contract with my original signature, violating 15 U.S.C. 1681i.

Continued reporting of inaccurate information : This is a willful violation of the FCRA and creates liability under 15 U.S.C. 1681n.

Emotional and financial harm : This unlawful reporting has damaged my creditworthiness, denied me access to fair credit opportunities, and exposed me to collection harassment.

Relief Demanded I demand the immediate deletion of this inaccurate and unverified co-signed auto loan from all consumer reporting agencies. Failure to comply will result in : A lawsuit in federal court for statutory damages of up to {$1000.00} per violation under FCRA 616 and FDCPA 813. 
Claims for actual damages, punitive damages, and attorneys fees. 
Additional complaints to the State Attorney General and the Federal Trade Commission ( FTC ). 



I request the CFPB enforce my rights by compelling the deletion of this unlawful account reporting immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: MO

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Subject : Formal Complaint Unlawful Reporting of Co-Signed Auto Loan Debt I am filing this complaint against XXXX XXXX XXXX and the credit reporting agencies ( Experian, Equifax, TransUnion ) for willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ). 

Facts of the Case 1. I was listed as a co-signer on an auto loan for XXXX XXXX, account # XXXX. 
XXXX. The original creditor has continued to report derogatory information against me, despite failing to provide verifiable documentation with my wet-ink signature authorizing this debt obligation. 
XXXX. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demanded an investigation. No proper investigation has been conducted within the 30-day requirement.

4. Reporting unverifiable or inaccurate debt constitutes a furnisher violation under 15 U.S.C. 1681s-2 ( b ).

Violations Failure to verify debt : The creditor has not produced a legally binding contract with my original signature, violating 15 U.S.C. 1681i.

Continued reporting of inaccurate information : This is a willful violation of the FCRA and creates liability under 15 U.S.C. 1681n.

Emotional and financial harm : This unlawful reporting has damaged my creditworthiness, denied me access to fair credit opportunities, and exposed me to collection harassment.

Relief Demanded I demand the immediate deletion of this inaccurate and unverified co-signed auto loan from all consumer reporting agencies. Failure to comply will result in : A lawsuit in federal court for statutory damages of up to {$1000.00} per violation under FCRA 616 and FDCPA 813. 
Claims for actual damages, punitive damages, and attorneys fees. 
Additional complaints to the State Attorney General and the Federal Trade Commission ( FTC ). 



I request the CFPB enforce my rights by compelling the deletion of this unlawful account reporting immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I submitted XXXX rounds of dispute letters to Experian, it was removed then Experian put if back on, the account was never verified. XXXX XXXX  has not validated the account. they both have used my information illegally without my authorization.

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 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Subject : Formal Complaint Against Citi for Mishandling Credit Card Dispute I am filing this complaint against Citibank regarding their repeated failure to resolve a dispute involving a duplicate and unauthorized charge on my personal credit card from company travel. 

Summary of the Issue : Disputed Amount : {$460.00} Personal Credit Card Ending : XXXX Company Credit Card Ending : XXXX  The charge of {$460.00} was already paid by my employer via my company credit card. I have submitted comprehensive documentation to Citi, including : - My company expense report showing the transaction history - The approved and reimbursed expense report - Proof of payment which includes the disputed charge - Proof of the duplicated charge on my personal credit card statement - A written letter explaining the circumstances Despite this, Citi has rejected my dispute XXXX times, continuing to claim that I owe the amount on my personal card. This is a duplicate charge and was not authorized for personal billing. 

Summary of Actions Taken : Submitted dispute documentation to Citi on XXXX separate occasions, beginning on XX/XX/year>, through XX/XX/year>. This included mailing in documentation/ writing a letter attesting to the inaccurate charge, emails with additional documents directly to the " billing disputes department '' and multiple phone calls. With each call, Citi could not understand why my dispute was getting rejected as it was a clear-cut double charge. Each time I resubmitted my dispute, yet again it was rejected. I even had to get a new credit card sent to my home. 

Resolution Requested : Requested that the {$460.00} charge be removed from my personal credit card, as it has already been paid by my company and constitutes a duplicate, unauthorized transaction. 

What Citi has put me through with a simple double charge, makes me never want to use their services again. It is negligent how they are serving their customers, and they have completely mishandled my dispute. Citis repeated denial of this dispute, despite clear documentation, reflects a failure to properly investigate and resolve the issue. I am seeking CFPBs assistance in ensuring this matter is handled appropriately and the charge is reversed. 

Thank you for your 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 monetary relief
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
I am disputing the Fraudulent XXXX Student loan accounts. My highly sensitive personal information was exposed in the 2022 XXXX data breach and the recent XXXX incident. I am a victim of Fraud. Under 15 U.S.C 1681C-2, these accounts must be blocked and removed from my credit file within 4 business days by law. If not removed you will be held accountable. In addition, under FERPA, my education records and personal identifiers should have been safeguarded and not disclosed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the Fraudulent XXXX Student loan accounts. My highly sensitive personal information was exposed in the 2022 XXXX data breach and the recent XXXX incident. I am a victim of Fraud. Under 15 U.S.C 1681C-2, these accounts must be blocked and removed from my credit file within 4 business days by law. If not removed you will be held accountable. In addition, under FERPA, my education records and personal identifiers should have been safeguarded and not disclosed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-08-18 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 AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-17 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: AK

Complaint narrative:
PLEASE SEND CONSENT LETTERS THAT I GAVE EXPERIAN TRANSUNION EQUIFAX CONSENT TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: AK

Complaint narrative:
PLEASE SEND CONSENT LETTERS THAT I GAVE EXPERIAN TRANSUNION EQUIFAX CONSENT TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORTS

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 2025-08-17 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: RI

Complaint narrative:
Consumer Complaint Statement XXXX XXXX XXXX XXXX vs. Experian Misreporting of as Monthly Charge-Off Summary of the Issue : I am filing this formal complaint against Experian Information Services , LLC for violating my rights under the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and the Dodd-Frank Act ( UDAAP ) by continuously and inaccurately reporting a repossessed vehicle account as a monthly Charge-Off, which misrepresents the status of the account and causes ongoing harm to my credit profile. 



Details of the Violation : The account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX SC Zip XXXX ( account number ) XXXX that occurred around XX/XX/XXXX Instead of accurately reporting a one-time final derogatory status, Experian continues to display a monthly charge-off pattern, which : Misleads lenders and third parties about the true nature of the account ; Illegally re-ages the tradeline and artificially extends the derogatory impact ; Violates Metro 2 compliance guidelines regarding Payment History Profile ( XXXX ), Account Status ( XXXX ), Date of First Delinquency ( XXXX XXXX ), and Date of Last Activity ( XXXX XXXX ) ; Fails to apply the required Compliance Condition Code XXXX  during my active disputes ; Is considered deceptive and abusive under 12 U.S.C. 5531 ( UDAAP ).

Legal Violations Cited : FCRA 605B ( 15 U.S.C. 1681c-2 ) Right to block information resulting from inaccurate or unauthorized reporting.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibition against furnishing inaccurate or incomplete information.

FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ) Failure to reinvestigate and correct disputed data.

Metro 2 Technical Violations Misuse of account coding after repossession.

UDAAP 12 U.S.C. 5531 Ongoing pattern of false and abusive credit reporting. 



Prior Disputes : I submitted multiple written disputes directly to Experian, including documentation that the account was being misreported. Despite these efforts, Experian failed to correct the errors or conduct a reasonable reinvestigation, violating the standard set in XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) and XXXX XXXX v. Equifax ( XXXX ). 



Requested Relief : 1. Permanent deletion and blocking of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( account number ) XXXX from my Experian credit report. 
XXXX. Confirmation that Experian has notified XXXX XXXX XXXX XXXX XXXX XXXX XXXX to cease furnishing incorrect data. 
XXXX. Investigation and regulatory enforcement by the CFPB for Experians repeated failure to comply with the FCRA and Metro 2 standards. 
XXXX. Any additional relief or sanctions the Bureau deems appropriate.

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 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX NY XXXX XXXX ( XXXX ) XXXX XX/XX/year> MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX Re : Cease and Desist Notice Pursuant to 15 U.S. Code 1692c To Whom It May Concern : I am writing to formally demand that you cease all communication with me regarding the alleged debt referenced in your recent correspondence.

Pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the collector must cease all further contact with the consumer except to : Advise that further efforts to collect the debt are being terminated ; Notify the consumer t

hat the debt collector may invoke specified remedies which are ordinarily invoked by such debt collector ; or Notify the consumer that the debt collector intends to invoke a specified remedy. Be advised that any further communication from your agency, outside the exceptions listed above, will constitute a violation of federal law and will be documented for potential legal action. I am aware of my rights under the FDCPA and will not hesitate to report any continued contact to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and, if necessary, pursue legal remedies under 15 U.S. Code 1692k, which provides for actual damages, statutory damages, and attorneys fees.

This notice serves as a formal request to immediately cease all communications with me, including but not limited to : phone calls, letters, emails, or any form of electronic communication.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: AL

Complaint narrative:
I was trying to buy a house and noticed I have damage on my credit report. According to the 15 U.S.C 1681 law there should not be any damages on my credit report it's a deformation to my character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: American Credit Acceptance, LLC
State: DE

Complaint narrative:
These inquiries are XXXX XXXX XXXX why are they still reporting to my credit profile please update this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion has blocked me from accessing my credit report and filing disputes by suspending my online account without valid reason. Each time I attempt to log in to exercise my rights under the Fair Credit Reporting Act, I receive an error message stating that my account has been temporarily suspended and I must contact them. This suspension prevents me from submitting disputes electronically, delays my ability to correct inaccurate information, and denies me reasonable access to my own credit file. 

I have attempted to log in multiple times and was locked out repeatedly. I also attempted to resolve this issue by contacting TransUnion directly, but they have not restored my access. This ongoing obstruction is interfering with my federally protected right to dispute inaccurate information within the 30-day FCRA dispute timeline. 

I am requesting that the CFPB require TransUnion to restore my account access immediately, provide me with full and unimpeded access to my credit report, and process my disputes in compliance with the Fair Credit Reporting Act.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Regarding Equifax XXXX XXXX. I've reached out to you multiple times to get the negative information being reported by XXXX Mortgage XXXX deleted from my Equifax Credit Report and you've still done nothing about it. XXXX Mortgage XXXX was XXXX through my Bankruptcy on XX/XX/XXXX. On XX/XX/XXXX, after a year and 4 months have passed from when I filed for Bankruptcy, XXXX Mortgage XXXX all of a sudden decides to report I was XXXX, XXXX, and XXXX late back on XXXX, XXXX, and XXXX of XXXX. UNDER BANKRUPTCY LAW, A CREDITOR CAN NOT REPORT A DEBT AS LATE OR DELINQUENT AFTER THE BANKRUPTCY FILING DATE. The discharge in bankruptcy acts as a permanent injunction against creditors from attempting to collect on the XXXX debts. XXXX Mortgage XXXX is in clear violation under these Bankruptcy Laws. They are purposely reporting negative pay history information on an account that was XXXX through a Bankruptcy. Because of this my credit score with Equifax has dropped XXXX points. I don't know why this is so difficult for Equifax XXXX to remove. All Equifax XXXX has done is waste my time continuously sending me more correspondence saying they XXXX '' T REPORT pay history on Bankruptcy items. And yet, on my Equifax Credit report it still shows XXXX Mortgage XXXX reporting a XXXX, and XXXX late payment for XXXX, XXXX, and XXXX of XXXX ( Document provided ). On an account that was XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: AZ

Complaint narrative:
To Whom It May Concern, I am filing a complaint against XXXX XXXX XXXX XXXX for willful non-compliance with the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611. 

I disputed the following accounts : XXXX. XXXX XXXX XXXX XXXX {$550.00}

Company response to consumer: Closed with non-monetary relief