vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: LEXISNEXIS
State: MO

Complaint narrative:
On XX/XX/year> LexisNexis received my dispute letter pertaining to my reporting of bankruptcy to my consumer report. I have provided a letter from my bankruptcy court stating they do not report to any credit bureaus. I also provided a letter stating the laws for consumer reporting. On XX/XX/year> I received a response back from LexisNexis stating the reporting of my bankruptcy is " accurate ''. They are reporting what Pacer.gov is reporting. " LexisNexis is reporting a bankruptcy on my consumer file that they claim is accurate based on records from PACER. However, I believe this reporting is either incorrect, incomplete, or misleading. I requested an investigation, and LexisNexis responded that the record is accurate because it appears on PACER. PACER is not a data furnisher and is not a substitute for an actual reinvestigation under the FCRA. LexisNexis did not investigate the context or outcome of the bankruptcy and failed to correct or suppress inaccurate data. I request that LexisNexis remove or correct this information, and that the CFPB investigate whether their reporting practices comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
Date : XX/XX/year> Account ( XXXX ) File ( XXXX ) To : Midland Credit Management XXXX XXXX Subject : Debt Validation Request Pursuant to the FDCPA ( 15 U.S. Code 1692g ) Dear XXXX XXXXXXXX XXXX, This letter is sent in response to your recent collection attempt. I am disputing the alleged debt and requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please note : 1. You have not provided proper debt validation, which includesbut is not limited tothe original creditors name, itemized account history, chain of title, and especially the Flow Forward Agreement ( FFA ) or equivalent documentation showing legal ownership and the right to collect. 
XXXX. In reference to XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, the court found that mere statements or billing summaries do not constitute sufficient proof of debt ownership or assignment. You are now on notice that I expect documentary evidence, including the purchase agreement or bill of sale with reference to my specific account. 
XXXX. Until such documentation is provided, you must cease all collection activity and remove any related information from my credit reports, as continued reporting of an unvalidated debt violates 15 U.S.C. 1692e ( false or misleading representations ) and 1692f ( unfair practices ).

Please send the required documents to my address listed above. This is a formal notice and a demand for compliance. Failure to validate this debt, or continued collection without proper validation, will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate agencies. 
Sincerely, XXXX XXXX ________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: WA

Complaint narrative:
XXXX XXXX has XXXX on my credit report for XXXX, XXXX, XXXX of XXXX that I was 30 days late with my payments. Although I did everything as directed by XXXX XXXX customer service. My scheduled payment for the months was {$400.00} and my actual payment was {$400.00}. My card went from a dormant {$0.00}, I paid the card to {$0.00} on XX/XX/XXXX, Chopped up the card and planned to not use this credit card again. I regret not closing the account like I intended to do. I had no idea the card was saved on a XXXX account and from XXXX XXXX XX/XX/XXXX in a matter of XXXX  days a family member struggling with addiction that I was trying to help essentially stole my identity and did {$27000.00} in XXXX XXXX transfers. I communicated this to XXXX but chose not to go the fraud route and inquired about a payment plan while I tried to figure out what was going on. As I did not fully understand yet. XXXX told me to pay {$400.00} a month for 6 months and I did just that. XXXX did not send me XXXX notification or attempt to flag these odd and sudden transactions in anyway. I received a statement balance in the mail sometime in XX/XX/XXXX when the card was nearly maxed out. This has been a nightmare. I literally had a perfect 20 year credit history until this situation and the high balance on the credit card only dropped my XXXX XXXX a little bit. The huge XXXX pt drop came when XXXX reported XXXX consecutive monthly payments as late. When I was doing exactly what they told me to do. I should be escalating this situation to the highest manor because its beyond unnacceptable. XXXX XXXX  needs to clean the slate on this credit card report due to their negligent oversight or I will have no choice but to escalate.

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 2025-06-23 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: DC

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 XXXX 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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
Collection From : XXXX XXXX XXXX I am filing this complaint regarding an unresolved issue with a former apartment complex where I resided from round XX/XX/year>. Recently, I was contacted about an alleged outstanding balance owed to this apartment company. I immediately requested written documentation or proof of the debt in order to validate the claim before taking any further action. 

However, I was informed by representatives of the apartment company that they were unable to provide any records or documentation regarding my lease, payments, or account balance because the property management team had changed since I moved out, and they no longer had access to my information. 

This situation is highly concerning and problematic for the following reasons : Lack of Documentation : I am unable to verify the accuracy or validity of the alleged debt, which puts me in an unfair position. Without proper documentation, I can not determine whether the amount claimed is correct, whether any charges were added in error, or if this debt is even legitimate. 
Consumer Rights : Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debt that is being claimed. It is unacceptable that the apartment company and/or any collection agency can not provide proper verification. 
Potential Impact to Credit : If this unverifiable debt is reported to credit agencies or sold to a collection agency without appropriate validation, it could unjustly harm my credit rating and financial standing. 
Negligence of Record Keeping : It is concerning that the apartment company did not maintain or properly transition important tenant records when management changed. Regardless of staffing changes, consumer records and financial documentation should be retained and made available to former tenants upon request, particularly when disputes arise. 
I respectfully request that the CFPB review this matter and take appropriate action to ensure that : The apartment company and/or any third-party collectors cease all collection activities until proper validation of the debt can be provided. 
The company be held accountable for failure to maintain essential records that impact consumers. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Collection From : XXXX XXXX XXXX I am filing this complaint regarding an unresolved issue with a former apartment complex where I resided from round XX/XX/year>. Recently, I was contacted about an alleged outstanding balance owed to this apartment company. I immediately requested written documentation or proof of the debt in order to validate the claim before taking any further action. 

However, I was informed by representatives of the apartment company that they were unable to provide any records or documentation regarding my lease, payments, or account balance because the property management team had changed since I moved out, and they no longer had access to my information. 

This situation is highly concerning and problematic for the following reasons : Lack of Documentation : I am unable to verify the accuracy or validity of the alleged debt, which puts me in an unfair position. Without proper documentation, I can not determine whether the amount claimed is correct, whether any charges were added in error, or if this debt is even legitimate. 
Consumer Rights : Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debt that is being claimed. It is unacceptable that the apartment company and/or any collection agency can not provide proper verification. 
Potential Impact to Credit : If this unverifiable debt is reported to credit agencies or sold to a collection agency without appropriate validation, it could unjustly harm my credit rating and financial standing. 
Negligence of Record Keeping : It is concerning that the apartment company did not maintain or properly transition important tenant records when management changed. Regardless of staffing changes, consumer records and financial documentation should be retained and made available to former tenants upon request, particularly when disputes arise. 
I respectfully request that the CFPB review this matter and take appropriate action to ensure that : The apartment company and/or any third-party collectors cease all collection activities until proper validation of the debt can be provided. 
The company be held accountable for failure to maintain essential records that impact consumers. 

Thank you for your attention to this matter. 

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/year>, TransUnion received my complete identity theft block request under Section 605B of the Fair Credit Reporting Act ( FCRA ). My certified mail package included : A written 605B block request letter A valid FTC Identity Theft Report A copy of my government-issued photo ID A utility bill for proof of address Under FCRA 605B, TransUnion was required to block the disputed accounts within XXXX business days. On XX/XX/XXXX, I spoke to a representative who verbally denied my request, stating they did not believe the request came from me despite all required documentation being included. 

I was not provided a written denial within the XXXX business days required by law. I was also told I could not speak to a supervisor, and that someone would call me back in XXXX days, which further delayed resolution. This is a clear failure to comply with federal consumer protections. 

I have now re-submitted the full 605B package, including a notarized letter and affidavit, but I am requesting that the CFPB investigate and compel TransUnion to comply with the law and permanently block the fraudulent accounts as required.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Trans Union keeps reporting false information on my Tenant screening. In XX/XX/year>, my landlord filed eviction paperwork after 13 days of being late on rent. She was paid rent in full and she claims to have settled the eviction report however it is still on my record. I have disputed this with Trans Union for the fifth time they have verification from the courthouse and from the landlord that the information is incorrect. But they are reporting it as accurate information on my screening

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 2025-06-21 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: CA

Complaint narrative:
The payment history listed for these 3 accounts are incorrectly reporting multiple inaccurate late payment statuses to Equifax, Transunion, and Experian. These credit bureaus, mostly Equifax and Experian, have updated these accounts as verified without providing me with any proof of accuracy. 


Here are those three accounts being inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : 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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
This company is reporting improper information to my credit reports.. It is reporting that I was 90 + days late 28 tines and that is incorrect information.. The account was only open for 1 year .. Also this account continues to report charged off but it has been discharged in my bankruptcy .. I think it's purposely being done to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: OH

Complaint narrative:
For several months, I have made multiple good-faith efforts to have inaccurate and outdated personal information removed from my TransUnion credit report. Despite sending formal dispute letters outlining the specific errorssuch as incorrect name variations, outdated or duplicate addresses, incorrect employer information, and inconsistently reported personal identifiers like my date of birth and partial Social Security numberTransUnion has failed to take appropriate corrective action. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information they report. 

The inaccurate reporting has caused me repeated harm, including credit denials and unfavorable loan terms. I have submitted proper documentation and followed all required procedures. Yet, instead of resolving the issue, TransUnion continues to report data that is clearly inconsistent, unverifiable, and misleadingdespite being formally notified and given ample time to correct the record.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: 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 explanation
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
What happened? ( Complaint narrative ) : I am a victim of identity theft and have submitted disputes and identity theft reports multiple times to Experian, Equifax, and TransUnion under FCRA 605B. I also submitted an FTC Identity Theft Report and a police report, requesting an immediate block and removal of fraudulent accounts as required by law. 
Despite this, the credit bureaus have continued reporting these unauthorized accounts and failed to block the disputed information. Additionally, they failed to update my personal identifying information, such as removing incorrect names, addresses, and employment entries, even after multiple requests.

I also requested the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ), but I have not received any documentation or response. The reinvestigation processes were clearly automated ( via e-OSCAR ), not manual, and relied on frozen XXXX files, which makes the verification invalid. 
This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 605B, 611, 607, 616, and 617. These errors have caused damage to my credit, stress, and hardship. I am seeking an immediate block of the fraudulent data, correction of my personal file, and confirmation in writing of the actions taken. 
________________________________________

Company response to consumer: Closed with non-monetary relief