vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: Lockhart, Morris & Montgomery Inc.
State: AZ

Complaint narrative:
LMM is reporting a medical debt to XXXX  that I have no knowledge of, never received a bill for, and never authorized. I have never received services from the named provider, XXXX XXXX. I was not notified by LMM in writing or otherwise. This violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA )XXXX XXXX  rejected my dispute without requiring LMM to validate the debt. I want this false debt removed. 

Lockhart , Morris & Montgomery , Inc . 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
To Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccurate and damaging items being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws I have made multiple attempts to dispute these items directly with the credit reporting agencies but they have failed to properly investigate and correct the information as required by law The following information is being inaccurately reported on my credit file and is causing substantial harm to my credit standing and overall financial well-being I am requesting that the CFPB intervene and assist in having these errors permanently removed or corrected from all major consumer reporting agencies. 
ACCOUNT DISPUTE XXXXXXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/scrub>XXXX  Credit Limit : {$300.00} Late Payments * * ISSUE : The account is reporting late payments inaccurately and without full investigation or verification LAW : Under FCRA Section 611 and Section 609 ( a ) ( 1 ), I have the right to request an investigation and see the method of verification for any negative account. Failure to provide proper documentation violates my rights under FCRA STORY : I have no documented or verifiable notice from XXXX XXXX XXXXXXXX showing these late payments with exact billing statements. Without proper validation, these late notations are unfair and damaging. This item was disputed previously, and no adequate resolution or reinvestigation was provided. This must be permanently removed or corrected immediately I respectfully request that the Consumer Financial Protection Bureau investigate these issues and require the credit bureaus to comply with their legal obligations under the FCRA and FDCPA I want all unverified inaccurate and unauthorized information to be removed from my credit report including the listed addresses accounts and inquiries These entries are severely impacting my ability to obtain housing employment and credit and are the result of negligent reporting and lack of proper investigation Please ensure that a thorough reinvestigation is conducted and that I am provided with full documentation and results in writing pursuant to 15 USC 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CT

Complaint narrative:
There are inquiries that are on my transunion report, my report is private and by law these are on my report and need to be removed Under the Fair Credit Reporting Act ( FCRA ) Section 611, you are required to verify the accuracy of this item. If you can not fully verify it within 30 days, it must be deleted.

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 2025-07-30 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: TX

Complaint narrative:
I am disputing a fraudulent account listed on my credit report, which I suspect was created using data stolen during a previous data breach. I have no affiliation with this account, nor did I authorize anyone to open it on my behalf.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Lexis-Nexis continues to publish, store, and distribute false, invasive, and unverified data under my consumer file despite repeated disputes. I go by XXXX XXXX. My legal ID reads XXXX XXXX XXXX. Any data not tied to my name, address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must be removed. 

They've attached bankruptcy attorney information and emails ( e.g., XXXX ) that have nothing to do with me. The court has explicitly stated it does not verify with Lexis-Nexis or any bureau ( see attached court memo ). Lexis-Nexis misrepresents this data as verified, misuses XXXX access, and continues to publish identity-contaminated content from old addresses, third-party VIN data, auto insurance, unrelated education, and unauthorized job history. 

I've submitted a final legal demand ( attached ) citing violations under : FCRA 1681e ( b ), 1681i ( a ) ( 5 ), 1681n GLBA 6802 Texas Data Privacy and Security Act ( 2024 ) Metro 2 reporting standards Case Law : XXXX XXXX XXXX, XXXX XXXX Equifax, XXXX XXXX First Advantage, XXXX XXXX XXXX, XXXX This report shouldve been purged. Instead, Lexis-Nexis continues profiting from unverifiable, contaminated, and damaging data. Enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MS

Complaint narrative:
I recently reviewed my credit file and found a late payment entry that is inaccurate. I have never missed or delayed any payments as reflected in my records.

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 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I purchased a hoodie through XXXX and paid using XXXX  thats link to my Cash App for {$170.00}. Although the seller initially marked the item as shipped, I later discovered they had requested it be returned to sender, which was confirmed by tracking information. 

I contacted the seller to ask whether the hoodie would be re-shipped, and they assured me it would. However, the item was never sent back out, and the seller eventually stopped responding to my messages entirely. 

I submitted a refund request through XXXX, but it was denied, with no clear explanation other than that they found no issue. I then disputed the transaction with Cash App twice, providing supporting documentation that clearly showed the seller had received the item back and I had not received anything. Despite this evidence, both disputes were denied. 

I have been attempting to resolve this matter for over two months with no success. I am seeking assistance in obtaining a refund for the product I paid for but never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I receive emails that I dont owe for anything for Mohela for the month. But when I log in I not only owe but is past due. The process for making payments and going back and forth with Mohela is extremely unethical. I was informed that I was past due for XXXX. So I paid the unpaid dues and the past due amount. Its not XXXX and Im receiving emails that I have nothing due and then logging in my past due again. For a month I paid for twice. That equaled up {$880.00}. As shown in the XXXX XXXX XXXX XXXX I paid XXXX XXXX XXXX. Which is over the due amount. Its XXXX as I mentioned again and I owe {$830.00} after paying {$880.00}. I called in XXXX and paid the past due for XXXX again in the same reference and way. Paying the past due {$390.00} ( XXXX XXXX ) was reverse but I paid it XX/XX/XXXX. So nothing should be past due. Something is incorrect in their system and this is increasing wrong. There is an issue. Im going to pay for the XXXX time this month. If my account still doesnt reflect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX XXXXXXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and Transunion data breach.

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 2025-07-30 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: TX

Complaint narrative:
These inquiries are unfamiliar to me, and I believe they are unauthorized. I urge you to take swift action to address this issue. Supporting documents are attached for your reference.

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 2025-07-30 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-30 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
XXXX XXXX, XXXXXXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX 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 * Fraudulent Account XXXX XXXX XXXXXXXX {$0.00} XXXX - XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX -- XXXX {$15.00}, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-07-30 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: FL

Complaint narrative:
I am writing to dispute a fraudulent account that has been incorrectly reported under my credit file. I did not initiate this account, nor did I authorize anyone to do so on my behalf.

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 2025-07-30 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: MS

Complaint narrative:
I am writing to dispute the presence of an unauthorized account on my credit report. I did not apply for, initiate, or authorize this account, nor did I grant permission for anyone to open it on my behalf. Its presence on my credit file is not only false but deeply distressing, as I take my financial responsibilities seriously and have always strived to maintain an accurate credit profile.

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 2025-07-30 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: TX

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

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 2025-07-30 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: TX

Complaint narrative:
I am formally disputing a late payment entry that appears inaccurately on my credit report. I pride myself on maintaining a consistent record of timely payments and responsible credit behavior. After a thorough review of my records, I have found no evidence supporting this claim of delinquency.

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 2025-07-30 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: GA

Complaint narrative:
I have just reviewed a copy of my credit report & noticed there are things that are reporting inaccurately, duplicates, and unauthorized. Please remove these items

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 2025-07-30 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: GA

Complaint narrative:
I have just reviewed a copy of my credit report & noticed there are things that are reporting inaccurately, duplicates, and unauthorized. Please remove these items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I am formally disputing the presence of hard inquiries listed on my credit report which I never authorized. I am requesting a thorough investigation into how these inquiries were added.

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 2025-07-30 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: TX

Complaint narrative:
I am writing to dispute the presence of an incorrect late payment reported on my credit profile. I have reviewed my records and found no basis for this entry. I am confident that this is a misreporting and does not align with my payment behavior.

Company response to consumer: Closed with non-monetary relief