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: GA

Complaint narrative:
Consumer Name : XXXX XXXX SSN : XXXX DOB : XXXX, contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of auto loan opened at XXXX XXXX XXXX on XXXX XXXX under account number XXXX, credit card opened at XXXX XXXX XXXX XXXX on XXXX under account number XXXX, XXXX XXXX Bank on XXXX under account number XXXX, XXXX  XXXX Bank on XXXX XXXX under account number XXXX, XXXX on XXXX under account number XXXX, personal loan opened XXXX XXXX XXXX on XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX under account number XXXX, XXXX on XXXX XXXX under account number XXXX, student loan opened at XXXX  XXXX XXXX on XXXX XXXX under account number XXXX  XXXX XXXX student loan opened at XXXX University on XXXX XXXX under account number XXXX  XXXX, Mortgage loan at XXXX XXXX XXXX on XXXX under account number XXXX, XXXX XXXX XXXX on XXXX under account number XXXX. 

Hard Inquiries with the following consumers : XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX BANK Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  XXXX XXXX via XXXX  XXXX XXXX Inquired on XX/XX/XXXX, XXXX  XXXX BANK Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, Inquired on XX/XX/XXXX. 

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 collections in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX insisted that a credit from them is mine when I have been I victim of identity theft. Identity theft was confirmed by XXXX  XXXX XXXX, by the IRS the SSA AND by XXXX and for multiple accounts found. all of them where verified and reported and removed. But XXXX XXXX keep the account on my record on transunion, experian and equifax .. that account has affected me a lot of getting denied multiple times .. it has affected a lot aspects of my life.. I was in the point of paying that account, but why should I pay and account that wasnt my. It has been on my credit redord for the last five years .. it is a pain on my life.

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Citibank : On Thursday, XX/XX/year>, I called Citi Bank Credit Card XXXX unit. I called about my credit card dispute XXXX. ( This dispute was closed by Citi Bank, and I called to get more details about what laws and rules Citi Bank relied on in making that decision. ) This was for my XXXX XXXX XXXX. I got connected and asked for a supervisor. Soon I was transferred to a supervisor. It was a man, though I don't remember if he gave me his name. While calm and collected, I started asking this supervisor details. But very soon he started to lose patients with me for no apparent reason. Soon he escalated this conversation into a shouting match. I started to lose my cool, but what was remarkable, and shocking was that a Citi Bank supervisor was irritated, untrained in customer service, rude and unprofessional. I used to work for a bank myself and over a few decades dealt with many bank employees. I can not recall ever running into such a poor customer service. The fact that Citi Bank employs such people and neglects to train them speaks volumes. I hope Citi recorded that conversation and I encourage you to listen to it. 

Regards, 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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: DriveTime
State: TX

Complaint narrative:
I received a false notification from CFPB regarding a false notification from this company of a resolution. There was no resolution. This company sells defective automobiles with damaged parts to the public. They cover up all defective, and broken parts with glue, and tape only to be found months later when the cars, trucks, and suv 's began falling apart. 

Drivetime/XXXX  lied to you the Government when it stated it reached out to me for a resolution which is completely a false statement and is perjury. The only communication I have received was the same communication as always when they took the car because I refused to fix the damaged parts when they sold it to me, and my family as they do to all of the general public. 

I've also demanded my personal effects that was inside this vehicle while we file suite in Federal Court! I demand my personal property at once! We seek a Federal Investigation of this company at once. 

When I purchased the XXXX XXXX it was taped together had 4 defective tires which later nearly cost me, and my family our lives. This complaint we are seeking Standing to go to Federal Court unless the CFPB takes immediate action at once. 

Thanks in advance, 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: CA

Complaint narrative:
XXXX insisted that a credit from them is mine when I have been I victim of identity theft. Identity theft was confirmed by XXXX  XXXX XXXX, by the IRS the SSA AND by XXXX and for multiple accounts found. all of them where verified and reported and removed. But XXXX XXXX keep the account on my record on transunion, experian and equifax .. that account has affected me a lot of getting denied multiple times .. it has affected a lot aspects of my life.. I was in the point of paying that account, but why should I pay and account that wasnt my. It has been on my credit redord for the last five years .. it is a pain on my life.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX insisted that a credit from them is mine when I have been I victim of identity theft. Identity theft was confirmed by XXXX  XXXX XXXX, by the IRS the SSA AND by XXXX and for multiple accounts found. all of them where verified and reported and removed. But XXXX XXXX keep the account on my record on transunion, experian and equifax .. that account has affected me a lot of getting denied multiple times .. it has affected a lot aspects of my life.. I was in the point of paying that account, but why should I pay and account that wasnt my. It has been on my credit redord for the last five years .. it is a pain on my life.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$380.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: FL

Complaint narrative:
I received a drastically increased auto insurance premium quote from XXXX ( over {$6800.00} for 6 months ), which prompted me to request a justification. The insurer disclosed that data from LexisNexis Risk Solutions ( XXXX XXXX ) was used to assess my risk profile. After pressing further, I discovered that one or more auto claims may have been attributed to me due to a recently purchased used vehicle ( XXXX XXXX ). I suspect that the vehicles prior accident history was incorrectly linked to me personally. 

I disputed this with the insurer, but they stated they could not correct it and that I had to contact LexisNexis directly. This left me with no recourse while suffering financial harm. I have filed a restriction request and am awaiting the full XXXX  report, but the damage has already occurred. The insurer is refusing to review or override the incorrect data. I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that LexisNexis be required to disclose the source of the data, correct the attribution error, and ensure that all affected insurers are notified. I also request that the company be required to cease sharing the disputed information until resolved.

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: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
Today I received an email from AFFIRM stating that my account was XXXX CENTS in arrears and was going to be charged off. I called the customer service and routed me to the XXXX and they refused to assist me. I even spoke to the supervisor to no avail. I find that AFFIRM has some nerve to threaten to charge off XXXX XXXX  even though I was on auto bill pay and this should not have even been reported on my XXXX which it has.

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: 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 XXXX XXXX XXXX XXXX for XXXX my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX 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  Address XXXX XXXX XXXX City XXXX XXXX XXXX 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 XXXX monthly charge-off pattern, which : Misleads lenders and XXXX  XXXX  about the true nature of the account ; Illegally re-ages the tradeline and artificially extends the derogatory impact ; Violates XXXX XXXX compliance guidelines regarding XXXX XXXX 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 XXXX XXXX XXXXXXXX ( XXXX ). 



Legal Violations Cited : FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ) XXXX to block information resulting from inaccurate or unauthorized reporting. 
FCRA XXXX ( a ) ( XXXX ) ( A ) Prohibition against furnishing inaccurate or incomplete information. 
FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( b ) Failure to reinvestigate and correct disputed data. 
XXXX XXXX XXXX Violations XXXX of account coding after repossession. 
XXXX XXXX XXXX. XXXX 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. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) and XXXX XXXX v. XXXX  ( XXXX ). 



Requested Relief : XXXX. Permanent deletion and blocking of the XXXX XXXX  account ( XXXX ) from my Experian credit report. 
XXXX. Confirmation that Experian has notified XXXX XXXX  to cease furnishing incorrect data. 
XXXX. Investigation and regulatory enforcement by the CFPB for ExperianXXXX repeated failure to comply with the FCRA and XXXX XXXX standards. 
XXXX. Any additional relief or sanctions the XXXX 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 explanation
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 XXXX ACCT XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX XXXX ( XXXX ) XXXX XX/XX/year> MIDLAND CREDIT MANAGEMENT XXXX XXXX BIG XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Cease and Desist Notice Pursuant to XXXX XXXX XXXX  XXXX To Whom It XXXX 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 XXXX XXXX XXXX  XXXX ( 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 that the debt collector XXXX 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 XXXX XXXX Code XXXX, 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: 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 from XXXX XXXX XXXX ( Account # XXXX ), related to a vehicle repossession that occurred around XXXX XXXX, 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 XB during my active disputes ; Is considered deceptive and abusive under 12 U.S.C. 5531 ( XXXX ). 



Le

gal 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  XXXX ) and XXXX XXXX v. Equifax ( XXXX ). 



Requested Relief : XXXX. Permanent deletion and blocking of the XXXX XXXX XXXX account ( # XXXX ) from my Experian credit report. 
XXXX. Confirmation that Experian has notified XXXX XXXX XXXX to cease furnishing incorrect data. 
3. Investigation and regulatory enforcement by the CFPB for Experians repeated failure to comply with the FCRA and Metro 2 standards.

4. 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX continues to be on my credit file. This account was closed back in 2002. I have requested Equifax remove it numerous times. I have reached out to XXXX. Equifax continues to verify the information is accurate instead of using common sense. I have spoke them by phone. I have sent written requests and online requests for this record to be removed to due outdated information as the standard in FCRA.

Company response to consumer: Closed with non-monetary relief