vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I do not recognize these addresses and these inquiries on my credit report please remove them. Thank you. 

Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL Inquiries from Transunion : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiries from Equifax : XXXX XXXX Inquiry : 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 Inquiry : XXXX. XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Reptg. Agencies

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 2025-06-16 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 do not recognize these addresses and these inquiries on my credit report please remove them. Thank you. 

Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL Inquiries from Transunion : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiries from Equifax : XXXX XXXX Inquiry : 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 Inquiry : XXXX. XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Reptg. Agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX is reporting a closed credit account with a {$0.00} balance as derogatory, despite the absence of any delinquency or consumer fault. The tradeline shows dispute resolved consumer disagrees, which falsely implies I remain in disagreement or that the account is delinquent, causing material harm.

This violates FCRA 609 ( a ), 611, and 623 ( a ) ( 1 ) ( A ), as no contract or validation has been provided. I have disputed this account, but AMEX continues to report unverifiable derogatory data without resolving the issue.

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 2025-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Lennar Financial Services, LLC
State: CA

Complaint narrative:
On XXXX XXXX Lennar pulled my credit and notice XXXX XXXX XXXX # XXXX Frauds and Corrupted Loan and purchase of XXXX XXXX XXXX home {$440000.00} XXXXwith Derogatory Deliquencies since after XXXX XXXX till Present. 

XXXXXXXX XXXX XXXXXXXX is a Fraud and Corrupted VA Loan and home purchase of XXXX XXXX and home value of XXXX XXXX XXXX was around {$300000.00} dollars because a major Safety flooding issues in the interior of the home when there is Rainstorms in California and a XXXX XXXX XXXX Military Veteran died inside the house on XXXX XXXX her name was XXXX XXXX original Owner of XXXX XXXX XXXX. 
Previous Home seller Investor XXXX XXXX XXXX of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX refused to disclose the death inside the house and the major flooding issues. 

I apply for a new VA LOAN and Purchase with Lennar Mortgage and I was denied because of my Lifetime XXXX and Lennar refused to accommondate me and our Military with our Lifetime XXXX. 
I wasn't denied because of Mortgage deliquencies with XXXX XXXX XXXX  but Denied because I was sending all emails of Lennar to US Department of Justice ADA, US department of Veterans Affairs and the FBI. 

Also, XXXX XXXX XXXX XXXX are involved on my Denials as the Derogatory Deliquencies still showing on my credit reports.. 

On XXXX XXXX US DEPARTMENT OF VETERANS AFAIRS HAD A VASP BUYOUT PURCHASE OF XXXX XXXX XXXX  OF {$460000.00} DOLLARS. 

I AM BEEN RETALIATED AND DISCRIMINATED BECAUSE OF MY NATIONAL ORIGINAL AS A XXXX AMERICAN XXXX AND MY LIFETIME XXXX STATUS... 
BY THE WAY LENNAR DENIED ME TWICE ON VA LOAN APPLICATION AS LENNAR MANAGER XXXX XXXX AND XXXX XXXX HAD ME GO THROUGH APPLICATION OF DENIALS AND THAN LENNAR COMPANY HAD THEIR LAW FIRM LEGAL COUNSELS AGAINST ME.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I submitted a letter to ChexSystems on XX/XX/XXXX asking for a proper investigation to an account that was irresponsibly placed and being reported on my consumer report, advising that this account was placed on my report without proper investigation. I advised if they used the XXXX system to send an ACDV ( Automated Consumer Dispute Verification ) to the data furnisher and accepted a generic response, that is not a lawful reinvestigation under the FCRA. A credit reporting agency may not rely solely on a creditors automated verification of disputed information. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Their failure to go beyond an automated system and conduct a meaningful, manual investigation violates : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) Failure of the furnisher to fully investigate.

15 U.S.C. 1681n & 1681o Civil liability for willful and negligent noncompliance. 

Unless they obtained original documentation such as a signed application or account agreement from XXXX XXXX XXXX to confirm this account, they are obligated by law to delete this entry 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 2025-06-16 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 was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/year> I went into the bank at XXXX and he acted like he didn't want to help so I had to tell him the reason I'm there and he refused and said they are closing and the can't keep the bank open they told me about another branch they stay open longer went there at XXXX they close at XXXX they did help me either said it's another person ahead of me I think the other branch called them about me that's why I didn't get any halp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MI

Complaint narrative:
Student loan accounts from XXXX XXXX XXXX were reported to my credit file without my written consent, violating FERPA regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both FERPA and FCRA.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-16 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: MA

Complaint narrative:
Creditor trying to collect debt. I sent a cease and desist letter. I received two letters from two different debt collectors.

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 2025-06-16 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: CA

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit XXXX XXXX XXXX XXXX XXXX Account Number ( partial ) : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information currently reported on my credit file regarding an account from XXXX XXXX XXXX XXXX I request a reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, for the following reasons : 1. Incorrect Account Type - Should Be Secured : The account is being reported as " Unsecured, '' however, the original signed contract clearly states that the loan is " Secured, '' with a security interest in consumer goods. Please see the attached signed contract for verification.

2. Incorrect Account Status - Charged-Off Account Listed as Open : The account was charged off as of XX/XX/XXXX, and should be listed as " Closed - Charged Off, '' not " Open. '' This misreporting is misleading and damaging to my credit profile. 
Requested Action : - Update the account type to reflect " Secured. '' - Update the account status to " Closed - Charged Off. '' - Remove or correct any unverifiable or inaccurate data within 30 days per the FCRA. 
Please notify me in writing once the investigation is complete and provide an updated copy of my credit report reflecting these changes. 
Sincerely, XXXX XXXX XXXX XXXX Attachments : - Copy of XXXX XXXX XXXX contract - Screenshots of Experian credit report - Copy of government-issued ID ( optional )

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I disputed a XXXX XXXX collection account multiple times because it is being misreported as a valid account on my credit file, which is inaccurate and misleading. Under federal law ( FCRA 1681a ( r ) ( 4 ) and 15 U.S.C. 1693a ( 2 ) ), an account is defined as a depository product like a checking or savings account. XXXX is not a depository institution and this debt does not meet the legal definition of an account. 
I requested verification, including a copy of any signed contract, proof of permissible purpose under FCRA 1681b, and proof that XXXX is the current holder of the alleged debt. I received no written response. Instead, a representative named XXXX from XXXX XXXX XXXX called me and told me that this debt will stay even if you take us to court. 

They never sent anything by mail, never responded to previous CFPB or BBB complaints, and failed to comply with FCRA 611 and 623. I am now formally demanding this collection account be removed from all credit bureaus and that XXXX cease all further reporting or contact. 

I have attached a formal dispute letter for review. If XXXX continues to ignore these legal obligations, I intend to pursue damages in federal court.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed a XXXX XXXX collection account multiple times because it is being misreported as a valid account on my credit file, which is inaccurate and misleading. Under federal law ( FCRA 1681a ( r ) ( 4 ) and 15 U.S.C. 1693a ( 2 ) ), an account is defined as a depository product like a checking or savings account. XXXX is not a depository institution and this debt does not meet the legal definition of an account. 

I requested verification, including a copy of any signed contract, proof of permissible purpose under FCRA 1681b, and proof that XXXX is the current holder of the alleged debt. I received no written response. Instead, a representative named XXXX from XXXX XXXX XXXX called me and told me that this debt will stay even if you take us to court. 

They never sent anything by mail, never responded to previous CFPB or BBB complaints, and failed to comply with FCRA 611 and 623. I am now formally demanding this collection account be removed from all credit bureaus and that XXXX cease all further reporting or contact. 

I have attached a formal dispute letter for review. If XXXX continues to ignore these legal obligations, I intend to pursue damages in federal court.

Company response to consumer: Closed with non-monetary relief