vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and obsolete personal information that is being reported on my credit files by all three major credit reporting agencies : Equifax, Experian, and TransUnion. The continued reporting of this information constitutes an unlawful commingling of files and an intentional misrepresentation of my identity under the Fair Credit Reporting Act ( FCRA ). 

The following personal information is either obsolete, incorrect, or has never been associated with me : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Employer : XXXX XXXX I have never been associated with these addresses or this employer. I am requesting that the CFPB investigate this matter immediately and compel the credit reporting agencies to permanently remove all of this inaccurate and outdated personal information from my credit reports. The presence of this false data can lead to identity theft and misrepresentation of my credit history. 

I look forward to a prompt investigation and resolution of this issue. 

Sincerely,

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 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter Finance LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Cease and Desist Regarding Debt Collection Dear Exeter Finance LLC, I am writing to formally dispute the validity of a debt you claim I owe, identified by account number XXXX. I have no obligation to pay this debt, as I believe it is not legitimate and does not belong to me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you cease all communication regarding this alleged debt until you can provide verification of its legitimacy. Please provide documentation showing that I am responsible for the debt in question. 

If you continue to pursue this matter without appropriate verification, I will have no choice but to take further action to protect my rights. 

Thank you for your attention to this matter. I expect your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Caine & Weiner Company , INC . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Subject : Cease and Desist Regarding Debt Collection Dear Caine & Weiner Company INC., I am writing to formally dispute the validity of a debt you claim I owe, identified by account number XXXX. I have no obligation to pay this debt, as I believe it is not legitimate and does not belong to me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you cease all communication regarding this alleged debt until you can provide verification of its legitimacy. Please provide documentation showing that I am responsible for the debt in question. 

If you continue to pursue this matter without appropriate verification, I will have no choice but to take further action to protect my rights. 

Thank you for your attention to this matter. I expect your prompt response. 

Sincerely, XXXX XXXX

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

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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 : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 2025-08-08 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I sent the company an AFFIDAVIT OF FACTUAL INACCURACY AND DEMAND FOR PERMANENT DELETION ON XX/XX/year> and received by them on XX/XX/XXXX. Instead of a response they had a repo company by the name of XXXX XXXX XXXX to contact me about the vehicle in question. This is my most recent attempt to stop them from financial harming me. This account has been on my credit for almost 3 years. 

These car has been on my credit for years now and i have explained to them i was a victim of identity theft to include FTC reports and police reports. I even sent in proof of human trafficking to the credit bureaus and they did not help. Furthermore, the credit reporting was reporting as charge off. I have requested a 1099c and i was denied a copy. Not sure how, if my rights to cease and desist along with rights to stop reporting and freeze the data upon investigations along with the updates just refreshing the delinquency date is allowed by law. As a consumer I have done all I could and am requesting the CFPB to assist me. The credit bureaus are no help, the same has been sent to them with no resolve from XXXX  and XXXX. I can not get any new credit, buy a home, or even be considered for business loans because they see this negative account on my credit. Please help. I know by now if they filed a 1099c that it should be considered charged off and taken off my credit and not attempting to collect since they don't believe. I want my copy and it removed. 

Below attachments are what i could gather. Inconsistent reporting and charged off for 3 years still with no XXXX, but allowed to report and collect. all illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-08-08 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
I have an trust do to having an brokrage account and lexington law firm was supposed to just fix an mishap to connect me to my creditors but the personal loan got stuck in the matrix system when they scammed me and blocked my mail they supposed to have sent me XXXX but i never recived the check I was blocked from all banks claiming i was i debt but i have over XXXX XXXX in a trust account in my name social is XXXX i thought i was going to get it by XX/XX/year> but i still cant get my mail do to the scam i want charges at this point do to my race and XXXX i get ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There was fraudulent charges on my credit report from Experian XXXX  and XXXX XXXX inquiries XXXX inquiries on my Experian account then XXXX on my XXXX XXXX and then Equifax there are XXXX inquiries need to be removed by section XXXX of the federal constitutional right 15 US 1681i all inquiries need to be removed off my credit report for the basis without my consult with my 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 2025-08-08 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: NC

Complaint narrative:
I am submitting this complaint regarding these unauthorized third-party accounts that are currently being reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not apply for or authorize these accounts, nor did I consent to any agreement, extension of credit, or permissible purpose to report these tradelines. 

These companies are not original creditors and have failed to provide a signed contract or chain of assignment proving ownership or authorization to report on my consumer report. This violates the Fair Credit Reporting Act ( FCRA ) 604, which restricts access and furnishing of credit information without a legally permissible purpose.

Additionally, per FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or unverifiable data. Since no contract, billing history, or debt validation has been produced, this information is considered inaccurate and must be removed. 

I have attached a signed FTC Identity Theft Report affirming these accounts were opened and reported without my consent. I am requesting the immediate deletion of these unauthorized accounts from all credit bureaus. 

Failure to address and resolve this matter may result in further escalation to the FTC and state regulatoryauthorities.

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 2025-08-08 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. 

Enclosed is a copy of my Police Report/ FTC Identity Theft Report ( FTC Report Numbers : XXXX ) as evidence supporting my identity theft claim. 

As stated in 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX ( XXXX ) business days. 

I am notifying you that I have been a victim of identity theft. I have filed a complaint with the Federal Trade Commission, and a copy of that complaint is enclosed for your reference. 

My credit report contains fraudulent hard inquiries that are not associated with me. All supporting documentation is included in this packet, and copies have been sent to your agency both via fax and XXXX Mail. 

I request the immediate removal and blocking of the following fraudulent hard inquiries from my credit report : Fraudulent Hard Inquiries : XXXX ) XXXX XXXXXX/XX/year> XXXX ) XXXX XX/XX/year>

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

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint because there are multiple inaccurate and misleading accounts being reported on my credit report by Experian, Equifax, and TransUnion. I have formally disputed these items multiple times, yet they continue to report with inconsistencies and factual errors that are negatively impacting my credit profile. 

I am now on my third round of disputes, and these accounts continue to appear despite violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 credit reporting guidelines. 

XXXX XXXX XXXX XXXX Charged-Off Account ( {$690.00} ) This account is showing different late payment histories on each bureau, with inconsistent dates. 

The account is marked as charged off, but the balance continues to update, which is not allowed. 

The Date of First Delinquency ( DOFD ) is either missing or incorrect. 

I believe this account has been re-aged, which is against FCRA and Metro 2 rules. 

XXXX XXXXXXXX XXXX XXXX Charged-Off Account ( {$660.00} ) There are inconsistencies in the charge-off date, open date, and last payment date across all three bureaus. 

It shows monthly late payments even after the account was charged off, which is inaccurate. 

The balance and past due amounts are also incorrectly reported, violating industry reporting standards. 

XXXX. XXXX XXXX XXXX Open Collection ( {$780.00} ) This collection account does not list the original creditor, which is required for debt collectors and debt buyers. 

The tradeline is missing critical details, like a proper payment history or current status. 

The date of last activity and status are not consistent across the bureaus. 

I have not received proper validation of the debt, and the information remains incomplete.

Legal Issues : These accounts are being reported in a way that violates my rights under : FCRA 607 ( b ) The information must be accurate and up to date. FCRA 1681i ( a ) Bureaus must conduct a reasona
ble reinvestigation, which they have not done.

FCRA 1681s-2 ( b ) Furnishers must investigate and correct errors, which has not happened.

Additionally, the Metro 2 guidelines for credit reporting are not being followed in how these accounts are coded and displayed.

Company response to consumer: Closed with non-monetary relief