vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: PA

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 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 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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: MI

Complaint narrative:
Information related to an XX/XX/year> vehicle accident reported by LexisNexis is incomplete and is resulting in higher premium quotes when I shop for insurance. 

My current insurance company has confirmed to me by phone, that THEIR records indicate that I was not at fault in this accident. 

However, the " At Fault Indicator '' related to this incident reported by LexisNexis, is blank and this has resulted in two insurance companies quoting me higher rates because other insurance companies interpret the blank LexisNexis At Fault Indicator as if I were at fault.

I have submitted two disputes to LexisNexis requesting this information be updated correctly, however after each dispute, LexisNexis advises, " We have reviewed the information from our Automobile Insurance Claim Records and determined the data being reported is accurate ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
I am filing this CFPB federal complaint to report these separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which can be in the jurisdiction of identity theft and fraud. The FCRA states a consumer must have clear and conspicuous understanding of disclosures before any agency furnish any information to a consumer report. These fraudulent accounts consist of charge-offs, collections and inquiries that are unrecognizable, unverifiable and not validated for my permissible permission pursuant to my rights within the FCRA and FDPCA laws and standards and is causing unauthorized financial harm to my consumer report through premeditated identity theft and fraud. 
XXXX XXXX XXXX account numberXXXX  Date Opened : XX/XX/XXXX XXXX. XXXX XXXX account number:XXXX Date XXXX XXXXXXXX XXXX XXXXXXXX account XXXX Date Opened:XXXX XXXX. XXXX XXXX XXXX account XXXX Date Opened:XXXX XXXX. XXXX XXXX  XXXX account XXXX XXXX. XXXX XXXX inquired on XX/XX/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 inquired on XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX inquired XX/XX/XXXX These accounts have resulted in several hard inquires and fraudulent collections appearing on my consumer FICO credit reports. I demand the aforementioned fraudulent items be removed from each of my consumer reports and cease all collection activity related to said items pursuant to my rights within the FCRA and FDCPA laws. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Whithout Prejudice-Non Assumpsit.

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 2025-06-01 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: AZ

Complaint narrative:
I reviewed my credit report and there are fraudulent accounts. Please remove these fraudulent accounts from my credit report immediately. They are hurting my ability to obtain credit. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX Bank was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : XXXX. XXXX a thorough and impartial reinvestigation of the disputed items. 
XXXX. Delete or correct all inaccurate, incomplete, or unverifiable information. 
XXXX. Provide me with a copy of the updated credit report reflecting these changes. 

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-complianceXXXX 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 2025-06-01 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: NV

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to Equifax, Experian & Transunion under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation. 

please see attachments below

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 2025-06-01 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: NV

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to Equifax, Experian & Transunion under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation. 

please see attachments below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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:
I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : XXXX XXXX This account is a duplicate account and was being reported at the same time as : XXXX XXXX XXXX XXXX I have enclosed a copy of the same FTC Identity Theft Report I previously submitted when I disputed the collection account ( XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop reporting this account as it is a FRAUDULENT account and a DUPLICATE account. Your company is in direct violation with Fair Credit Reporting Act ( FCRA ). The FCRA prohibits the credit bureaus from using abusive, unfair, or deceptive practices, and a refusal to acknowledge or act upon an FTC report could be seen as a form of deception or unfair practice. This is considered double jeopardy. " Double jeopardy '' on a credit report refers to when the same debt is reported multiple times, potentially by both the original creditor and a debt collector, even though they are related. This can happen if a debt is sold to a collection agency, and both parties report it to the credit bureaus.

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 2025-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
Exeter Finance XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Cease Collection Until Proper Validation Unauthorized Co-Signer Claim To Whom It May Concern, This letter is a formal notice that I dispute the validity of the alleged debt you claim I owe as a co-signer. I assert that I never authorized or agreed to co-sign for this debt, and I demand full and complete validation as required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXXXXXX XXXX XXXXXXXX. 

Let me be absolutely clear : I do not acknowledge this debt and I categorically deny any obligation to pay it. If you assert otherwise, you are required by law to provide : XXXX. A copy of the signed contract bearing my name and signature explicitly agreeing to co-sign this alleged debt. 
XXXX. The full name and address of the original creditor. 
XXXX. A complete account history, including the original amount, interest, fees, and any payments made. 
XXXX. A statement that clearly outlines the legal basis on which you claim I am responsible for this debt. 

Until this validation is provided, you must cease all collection activities, including reporting this account to credit reporting agencies. Any further attempts to collect on a debt that is unverified and potentially fraudulent may constitute a violation of federal law, and I will not hesitate to report such conduct to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Let this serve as formal notification that I am keeping detailed records of all communications regarding this matter for legal purposes. If you fail to comply with your obligations under the FDCPA, I will pursue all available legal remedies. 

You are hereby instructed to respond in writing within XXXX days of receipt of this letter. If you do not provide proper validation, you must immediately cease collection efforts and correct any negative credit reporting associated with this debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I applied for several credit and auto finance products and was denied due to a collection account that was inaccurately reported on my XXXX  credit report. 

The account was settled in full on XX/XX/XXXX, but XXXX  continued to report it as active and unpaid, even though it no longer appeared on XXXX  or XXXX. I submitted a dispute to XXXX  in XX/XX/XXXX, but they failed to correct or remove the account. 

This inaccurate reporting caused multiple denials, including from XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. My most recent denial occurred in XX/XX/XXXX, more than a year after the debt was settled. Several denial letters name XXXX  as the bureau used during the decision. 
I am requesting : Immediate correction or deletion of the inaccurate collection account Removal of all hard inquiries associated with denials tied to the inaccurate report Review of XXXX  failure to comply with FCRA, despite a valid dispute and supporting documentation I have proof of payment, confirmation from the collection agency, and multiple denial notices. This situation has set me back financially and personally by at least two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-06-02 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXAXXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXAXXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-01 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: PA

Complaint narrative:
Its been about a year since Ive first notified Equifax credit bureau that I have had a legal name change Ive mailed multiple letters in confirming and verifying this name change however Equifax is refusing to change the name on my credit account in fact my Equifax credit report is locked and not accessible, after many attempts to confirm my identity and verify my legal name change along with had sent in court documents proving this name change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: MS

Complaint narrative:
Im XXXX XXXX Im hate keep going through this with Experian, Equifax and TransUnion I wish they would correct my information my name is XXXX XXXX my social security number is incorrect they have me and my twin sister XXXX XXXX social security number swap Im starting to get angry I have wrote letters to each of them telling them that the social security they have number XXXX XXXX is not mines its my twin sister XXXX XXXX Im trying finance a car I cant even do that because they saying it mismatch in identity because they have my social incorrect can someone please fix this asap Im getting irritated with This not hard we have different names they need to stop getting us mixed up making my life hard

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
All negative reports, including any open or closed accounts, outdated information, or details about my full legal name, address, birthday, or Social Security number, are excluded. This also includes credit that has been sold to debt collection agencies and are not part of the original Fair Credit Reporting Act ( FCRA ), as defined in 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX DOB : XX/XX/XXXX SSN : XXXX ID Type : DL ID Number : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX I am writing to request an investigation of the following accounts that I have NEVER opened or used. I am requesting the deletion of the following information from my ChexSystems consumer report immediately. 
XXXX XXXX XXXX XXXX Date Closed XX/XX/XXXX Acct XXXX Routing XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX 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 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was a Bank of America customer since XXXX, then I had a XXXX in XXXX, I was unable to pay my balances for a few months. 
I talked to the customer service rep at BOA, but they closed both my credit cards in XX/XX/XXXX, which caused my credit to plunge. 
I bought a house in XX/XX/XXXX, and the plunge in my credit score was unfortunate.

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