vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: LEXISNEXIS
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally once again request full disclosure of any and all third parties involved in the origination, funding, purchase, transfer, securitization, or servicing of the all loans associated my social security number ending XXXX. 
My lawful request is made pursuant to my right to know all material facts and parties relevant to my financial obligations and is in accordance with applicable state and federal laws, including but not limited to the Truth in Lending Act ( TILA ), and the Uniform Commercial Code ( UCC ).

Please provide the following information in writing : 1. The identity of any third parties who funded, acquired, or currently hold any interest in
any loan or promissory note.

2. Any assignments, transfers, or sales of the loan or note since its origination, including dates and parties involved.

3. Copies of any agreements or contracts involving third parties related to the loan. 4. Confirmation of
the true lender or creditor of record at the time of the loan origination.

5. Disclosure of any securitization of the loan, including the trust name, XXXX  number, and any pooling and servicing agreement ( PSA ).

This request is being made in good faith for the purpose of clarifying the nature and legality of the lending transaction and to verify that all required disclosures were properly made at the time of origination. 
Please provide a written response within 15 business days of receipt of this complaint. Failure to provide full disclosure may be construed as a violation of applicable consumer protection and lending laws, and I reserve all rights under state and federal law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reportedto be inaccurate.COMENITY BANK/CARSONS XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-05-21 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: IA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-21 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:
recently review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtaint credit.these accounts i didnt recognize them I didnt authorize them theyre being report by a third party i want them to be remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Failure to Properly Investigate Disputed Accounts Violation of the Fair Credit Reporting Act ( FCRA ) I am writing to formally express my concern and dissatisfaction with the handling of my recent credit dispute regarding the accounts I have attached to this letter. As outlined under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information in my credit file that I believe is inaccurate, incomplete, or unverifiable. I have received and the lack of meaningful action taken, it is evident that a proper and reasonable investigation was not conducted. The continued reporting of these accountsdespite my providing documentation and a formal disputesuggests a failure to uphold the standards required by federal law.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Failure to Properly Investigate Disputed Accounts Violation of the Fair Credit Reporting Act ( FCRA ) I am writing to formally express my concern and dissatisfaction with the handling of my recent credit dispute regarding the accounts I have attached to this letter. As outlined under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information in my credit file that I believe is inaccurate, incomplete, or unverifiable. I have received and the lack of meaningful action taken, it is evident that a proper and reasonable investigation was not conducted. The continued reporting of these accountsdespite my providing documentation and a formal disputesuggests a failure to uphold the standards required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is XXXX XXXX XXXX  involved. Please review the uploaded letters.

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 2025-05-21 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX : {$0.00} Open Date XXXX XXXX XXXXXXXX Balance : {$190.00} Open Date XXXX XXXX XXXX XXXX Balance : {$3100.00} Open Date XXXX XXXX XXXX XXXX Balance : {$910.00} Open Date XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} Open Date XXXX XXXX XXXX Balance : {$8800.00} Open Date XXXX XXXX  Balance : {$480.00} Open Date XXXX XXXX XXXX  Balance : {$550.00} Open Date XXXX XXXX XXXX Balance : {$410.00} Open Date XXXX XXXX XXXX XXXX XXXX : {$17.00} Open Date XXXX XXXX XXXX XXXX XXXX : {$5800.00} Open Date XXXX XXXX XXXX XXXX Balance : {$1400.00} Open Date XXXX XXXX XXXX XXXX Balance : {$630.00} Open Date XXXX XXXX XXXX XXXX Balance : {$440.00} Open Date XXXX XXXX XXXX XXXX  Balance : {$1700.00} Open Date XXXX XXXX XXXX XXXX Balance : {$10000.00} Open Date XXXX XXXX XXXX Balance : {$470.00} Account No XXXX XXXX XXXX XXXX Balance : {$1100.00} Account No XXXX XXXX Balance : {$180.00} Account No XXXX XXXX XXXX Balance : {$1500.00} Account No XXXX XXXX  Balance : {$0.00} Account No XXXX XXXX XXXX XXXX XXXX : {$310.00} Account No XXXX XXXX Balance : {$0.00} Account No XXXX WORLD FIN Balance : {$0.00} Account No XXXX XXXX XXXX XXXX  Balance : {$1400.00} Account No XXXX XXXX XXXX XXXX Balance : {$640.00} Account No XXXX Inquiries : XXXX Date XX/XX/year> XXXXXXXX XXXX  Date XX/XX/year> XXXXXXXX XXXX Date XX/XX/year> XXXX XXXX XXXX Date XX/XX/year> XXXX XXXX XXXX NO I Date XX/XX/year> XXXX XXXXXXXX XXXX  Date XX/XX/year> XXXX XXXXXXXX XXXX  Date XX/XX/year> XXXX XXXX GROUP Date XX/XX/year> XXXXXXXX XXXX  Date XX/XX/year>

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 2025-05-21 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 am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXXXXXX XXXX XXXX * * * * Balance : {$870.00} XXXX  XXXX XXXX * * * * * * Balance : {$3600.00} XXXX XXXX * Balance : {$0.00} XXXX XXXX XXXX * * Balance : {$1300.00} XXXX XXXXXXXX * * * * * * * * * Balance Owed : {$0.00} XXXX  XXXX XXXX * * * Balance : {$2000.00} XXXX XXXX XXXX XXXX  * * * * * Balance : {$2600.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question XXXX XXXX XXXXXX/XX/year> ''

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 2025-05-21 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * Subject : * * Dispute of Fraudulent Inquiries Under FCRA Dear EXPERIAN, I am writing to formally dispute several unauthorized inquiries on my credit report, which I believe were made fraudulently. Under the Fair Credit Reporting Act ( FCRA ), specifically 609 and 611, I request that you investigate and remove the following inquiries. 

# # # * * Personal Statement : * * The fraudulent inquiries that I wish to dispute are listed below : - * * XXXXXXXX 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 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 * * Accounts Affected : * * These inquiries are associated with fraudulent personal or business loans, which I did not authorize : XXXX. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>- XXXX XXXX : {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Fraud Amount : {$0.00} XXXX. * * XXXX XXXX XXXX XXXX * * - Inquiry Dates : XX/XX/year> - Fraud Amount : {$0.00} XXXX. * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>- XXXX XXXX : {$0.00} XXXX. * * XXXX * * - Inquiry Date : XX/XX/year> - Fraud Amount : {$0.00} # # # * * Legal Grounds : * * According to the FCRA 605, you are required to remove any inaccuracies from my credit report, particularly if they are a result of fraudulent activity. As these inquiries are unauthorized, I request immediate action to investigate and rectify my credit report.

# # # * * Under Penalty of Perjury : * * I de
clare under penalty of perjury that the information provided herein is true and correct to the best of my knowledge. I understand that making false statements may violate criminal statutes, potentially resulting in legal repercussions.

# # # * * Request for Action : * * I kindly request confirmation of the removal of these inquiries from my credit report within the time frame mandated by the FCRA. Please find any supporting documents attached for your review, which further verify my identity and support my claims. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely, 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 2025-05-21 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: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: KY

Complaint narrative:
Chime is still not doing as they say would and I have lost my phone service because of this and can't pay anything on time because Chime lies about everything and will never take care of it and I'm done with all the stress and drama from Chime it's always my fault and never their fault and they doing too many people wrong taking money and never send me my card and it's been months now and I keep waiting for it and can't take money off without a card say by weekly I said XXXX XXXX  they have my pay lower than I get

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. XXXX payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am not the owner of this debt I disputed multiple times responding to letters that this debt is not mine. I received threats of legal action ; court dates and other tactics saying my wage will be garnished and it never happened because this debt is not mine. I got mail about this so called debt in XXXX its been XXXX  years isnt there a limit to how long I can be harassed?

Company response to consumer: Closed with non-monetary relief