vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: NV

Complaint narrative:
RE : URGENT Request for Immediate Removal of Inaccurate Bankruptcy Information To Whom It May Concern, I recently obtained a copy of my LexisNexis consumer report dated XX/XX/year> and I was extremely disturbed to find inaccurate information regarding a bankruptcy filing. This false entry is damaging, misleading, and completely inconsistent with the official records. 

I have opened a XXXX  account and reviewed the original bankruptcy documents directly from the United States Bankruptcy Court. The information listed in your report is inaccurate, and as a result, it has cost me thousands of dollars in lost opportunities, credit denials, and emotional distress. 

This is a formal demand for the immediate investigation and removal of the inaccurate bankruptcy information. I expect confirmation in writing that the inaccurate entry has been deleted from my consumer report no later than XX/XX/year>. 

If this matter is not resolved by XX/XX/year>, I will proceed to file a formal complaint in U.S. District Court, where I will seek punitive damages for negligence, defamation, and willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Reporting false and damaging information is not only unethicalit is unlawful.

Please send confirmation of removal and a corrected copy of my consumer report to the address above. You may also email me at [ insert email ]. 

This letter is being copied and sent to XXXX XXXX XXXX both of which also must cease reporting the inaccurate information immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: MN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-04-22 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: MN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: Servicing Solutions, LLC
State: NV

Complaint narrative:
Complaint Regarding Inaccurate Credit Reporting by Servicing Solutions To Whom It May Concern, I am filing this complaint regarding a credit reporting issue involving Servicing Solutions. Despite the fact that I have paid this loan in full, the company continues to report the account as open on my credit report through XXXX Report Number XXXX. ( Please see attachments ) I have submitted proof of the final payment directly to Servicing Solutions as well as through multiple disputes with XXXX Unfortunately, the account status remains unchanged. XXXX has informed me that Servicing Solutions is still servicing the account, but the company has not updated the status to Closed Paid in Full.

This inaccurate reporting is misleading and harmful to my credit profile. I have made every effort to resolve this matter directly with Servicing Solutions and through the credit bureaus dispute process, but the issue persists.

I am requesting the CFPBs assistance in compelling Servicing Solutions to : Accurately report the account as closed and paid in full ; Update the status with XXXX and any other credit bureaus they report to. 

I have attached the relevant documentation, including proof of my final payment and prior dispute records. 

Thank you for your time and assistance in helping to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting a formal appeal for a comprehensive review and correction of my credit information. My recent review revealed multiple irregularities in the way my name is documented, along with possible signs of a split file, which are negatively impacting my credit profiles accuracy.

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 2025-04-22 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: WA

Complaint narrative:
This is a formal request to review and update my credit file. While examining my report, I observed inconsistencies in how my name appears with various credit agencies and potential evidence of a divided credit profile. These problems are undermining the accuracy of my 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I hope this message finds you well. Upon reviewing a recent copy of my credit report, I noticed several inaccurate and unverified accounts currently being reported by your agency. These entries are highly concerning, particularly as I am in the process of applying for a new line of credit, and such discrepancies could result in an unjust denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hope this message finds you well. Upon reviewing a recent copy of my credit report, I noticed several inaccurate and unverified accounts currently being reported by your agency. These entries are highly concerning, particularly as I am in the process of applying for a new line of credit, and such discrepancies could result in an unjust denial.

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 2025-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
My initial loan was for {$750.00}. I have made a payment of {$210.00} every other week since XX/XX/year>. I have paid them over {$2000.00}. My interest rate is 699 %. They continue to take money out of my bank account

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 2025-04-22 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: NM

Complaint narrative:
XXXX XXXX XXXX The transactions were cancelled the same day and no travel or service was provided by the airline. It was just a reservation! 

According to the U.S. Department of Transportation ( DOT ), airlines are now required to automatically issue full cash refunds to passengers when a flight is canceled or significantly changed, meaning passengers do not need to explicitly request a refund and must receive the money back in the original form of payment, with no substitutions for vouchers or travel credits unless they choose to accept them ; these refunds must be issued promptly, within 7 business days for credit card purchases and 20 calendar days for other payment methods. 

I am demanding the full amount of {$110.00} and {$80.00} refunded back to my account. 

Regards, XXXX XXXX, XXXX XXXXXXXX, XXXX. 
( XXXX ) XXXX This e-mail, including attachments, may include confidential information and may be used only by the person or entity to which it is addressed. If the reader of this e-mail is not the intended recipient or his or her authorized agent, the reader is hereby notified that any dissemination, distribution or copying of this e-mail is prohibited. If you have received this e-mail in error, please notify the sender by replying to this message and delete this e-mail immediately ( and any attachments ).

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 monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope this message finds you well. Upon reviewing a recent copy of my credit report, I noticed several inaccurate and unverified accounts currently being reported by your agency. These entries are highly concerning, particularly as I am in the process of applying for a new line of credit, and such discrepancies could result in an unjust denial.

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 2025-04-22 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: NJ

Complaint narrative:
I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
Complaint Details I made a payment on XX/XX/XXXX at that time my balance was XXXX which I made a payment of {$250.00}. I checked to see if my payment had applied on Monday then Tuesday which showed it was still past due by Thursday XX/XX/XXXX the balance went up to XXXX. The rep stated the initial payment on the XXXX was not posted correctly by the rep over the phone who took my payment which accrued interest on a higher balance instead of the lower balance which i paid down. I spoke with XXXX different reps who refused to take accountability and set the actual interest toward the lower balance. This company is already charging an astronomical interest rate amount which i was unaware of but that I take the blame for, however they should own up to their mistake and credit my account the difference and charge appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: IL

Complaint narrative:
Transunion is reporting Many discrepancies/Inaccuracies onto my credit profile such as accounts with different terms, account status, amounts, remarks and payment history which differs from Experian and Equifax. the accounts with many discrepancies are XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX ( Highest balance Not listed on Transunion, but there's a balance on Experian and Equifax ) ( Payment history shows CO months which differ from Experian Payment history ) The payment history is inaccurate it shows a pattern of CO, R, which follows by 30 days late that's inaccurate ) -Inaccuarcies are violations to the FCRA this does NOT follow FCRA Guidelines. 

-The terms shows XXXX months ( Transunion, Equifax XXXX and Experian ) -Payment status ( Closed ) TransUnion ( No info ) Experian and equifax -Opening date Inaccurate According to the FCRA permissible purposes states permissible purpose '' refers to the specific circumstances under which a consumer reporting agency can provide a consumer 's credit report to a user. These circumstances are designed to protect consumers from the misuse of their credit information by limiting who can access and use it. Credit transactions, employment, Insurance underwriting, Court order subpoena, Child support.

These accounts are violating the FCRA and so is Transunion, Experian, and Equifax which are reporting different terms, payment history, account status, and etc for each account listed. Either of these accounts doesn't fall under the permissible purposes category which means they should NOT be furnishing my credit report. Did I give you'll permission to furnish my credit report? NO I DID NOT. also these collection accounts have been written off which means the company has sold it to collections without issuing me a 10-99 form this alleged debt has been settled, and sold these are all violations I ask that TRansunion, Equifax, and EXperian investigate each account furnishing my reports reporting different things which are inaccuracies and discrepancies. I ask that these accounts be removed from my credit reports immediately Please issue me an updated credit report with the changes made. Thank you for taking this serious matter into consideration Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-04-22 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
Please remove these inquiries from my credit report. I did not authorize my SSN was used against my knowledge. I have no open accounts with these inquiries. Please remove all my credit reports XXXX XXXX XXXX Toyota motor credit 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Open Dealer Exchange, LLC
State: IL

Complaint narrative:
Please remove these inquiries from my credit report. I did not authorize my SSN was used against my knowledge. I have no open accounts with these inquiries. Please remove all my credit reports reprise financial/webb 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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