vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : ACCOUNTS XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
l am disputing several accounts on my credit report that I did not authorize or recognize. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), I request an investigation into the following accounts and their removal if proper validation can not be provided : Creditor Name : XXXX XXXX  Account Number : XXXX Creditor Name : XXXX  Account Number : XXXX Creditor Name : XXXX  XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX  XXXX  Account Number : XXXX Creditor Name : XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX Account Number : XXXX Creditor Name : XXXX Account Number : XXXX Creditor Name : XXXX Account Number : XXXX These accounts may be the result of identity theft or reporting errors. I did not authorize them, and I am requesting verifiable proof that these debts belong to me. If such proof can not be provided, I respectfully request their immediate removal from my credit reports in accordance with the FCRA and FDCPA. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NY

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 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 2025-06-03 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:
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 non-monetary relief
Consumer complaint received 2025-06-04 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: AZ

Complaint narrative:
I submitted a dispute to LexisNexis regarding a XXXX XXXX  bankruptcy that was being reported to other agencies. After reviewing the data, LexisNexis responded in writing on XX/XX/year>, stating that the information was unverifiable and had been removed from their files. 

The letter also confirmed that LexisNexis attempted to verify the data using the PACER system, which is a public records database not a verified furnisher or reporting agency. PACER does not report or confirm bankruptcy information to consumer reporting agencies. 

Therefore, LexisNexis has acknowledged that it can not verify the bankruptcy, and I am requesting this complaint be logged to ensure this information is not reinserted or re-reported in the future. I also want this complaint recorded so that I can use it in conjunction with other complaints against agencies that are continuing to report the bankruptcy based on LexisNexis data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I asked why taxes had not been paid from escrow account. I provided a copy of the late notice to the mortgage company, Freedom Mortgage. The XXXX County sent a notice that the tax lien would be sold after XXXX XXXX, 2025 if not paid by XXXX XXXX, 2025 at XXXX. I made multiple attempts to find the status and to further inform Freedom Mortgage that after XXXX XXXX, 2025 a certified check was required. I was notified that the taxes were sent and all penalties paid. Intial tax {$370.00}. Penalty of XXXX. Total due by certified check is {$470.00}. I was told by the tax collector the lien would accrue interest between 5 % and the posted APR. As of XXXX XXXX, 2025 the taxes have not been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} Inquiries XXXX 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 2025-06-04 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TN

Complaint narrative:
I am writing to let you know that Ive been a victim of a data breach or fraud, as outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). Im formally requesting the permanent removal of any fraudulent accounts and incorrect addresses from my credit report. 

Experian ( XXXX ) Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Name : XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Equifax ( XXXX ) Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX TransUnion ( XXXX ) Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX Inquiry Date : 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 explanation
Consumer complaint received 2025-06-04 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: TN

Complaint narrative:
I am writing to let you know that Ive been a victim of a data breach or fraud, as outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). Im formally requesting the permanent removal of any fraudulent accounts and incorrect addresses from my credit report. 

Experian ( XXXX ) Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Name : XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Equifax ( XXXX ) Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX TransUnion ( XXXX ) Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX Inquiry Date : 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 explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX. XXXXXXXX XXXX  ] [ XXXX Fl XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Early Warning Services , LLC ATTN : Consumer Services XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, AZ XXXX Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute inaccurate information currently being reported on my consumer file maintained by Early Warning Services , LLC. This incorrect information has negatively impacted my ability to open a bank account and is believed to be the result of identity theft or misreporting. 



Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am exercising my legal right to request a reasonable reinvestigation of the disputed item ( s ). Below are the details of the entry I am disputing : Reporting Bank/Institution : XXXXXXXX New York  acct XXXX XXXX Date of transaction or incident XX/XX/XXXXXXXX XXXX XXXX  acct # XXXX date of transaction or incident XX/XX/XXXX XXXX XXXX XXXX acct XXXX XXXX Date of transaction or incident XX/XX/XXXX XXXX XXXX XXXX acct XXXX XXXX date of transaction or incident XX/XX/XXXXXXXX XXXX XXXX acct # XXXX Transaction or Incident : XX/XX/XXXX Description of Issue : fraudulent account opened in my name without authorization, I dont recognize the following accounts in question .I am a victim of identity theft and I dont recognize these account on my report .and I am requesting the following information be deleted from my early warnings consumers report immediately! 
This account or transaction is not mine, and I had no knowledge of or involvement with the activity in question. As required by law, if Early Warning Services can not verify the accuracy of this information within 30 days, it must be promptly deleted from my file, per FCRA 1681i ( a ) ( 5 ) ( A ). 



To support my dispute, I am enclosing copies of the following documents : A copy of my Passport photo ID Proof of my current address ( e.g., utility bill or lease ) A written statement of the dispute FTC Identity Theft Report Please investigate this matter and send me written confirmation of the outcome of your reinvestigation. If the information is verified and retained, I request a detailed explanation, including the documentation used to verify its accuracy. 



If this inaccurate information is not removed or corrected, I am prepared to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking further legal action if necessary. 



Thank you for your prompt attention to this matter. I expect a response within the XXXX timeframe required by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: LEXISNEXIS
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Let me be absolutely clear : this is a valid and urgent complaint that requires your immediate attention. My credit report contains inaccurate information that does not meet the legally mandated standard of maximum possible accuracy. These errors are causing significant, ongoing harm to both my personal and financial well-being. 
I demand a prompt and thorough investigation. These inaccuracies must be corrected or removed without further delay. Addressing this issue is not optional it is critical to restoring the integrity of my credit file.

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 2025-06-04 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: NY

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

Company 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 2025-06-03 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: FL

Complaint narrative:
Hello, I am filing this complaint to request the removal of several credit items currently listed on my TransUnion credit report. I have already contacted the credit bureau regarding these issues, but no resolution has been made. I am now escalating to the CFPB for investigation and removal of the following accounts and inquiries. 

Unauthorized or Disputed Accounts : XXXX. XXXX XXXX ( Reported : XX/XX/XXXX ) Account Status : Charge-off Balance : {$460.00} This account was charged off without my knowledge or clear explanation. I received no formal notification about this account prior to it appearing on my report. I dispute its accuracy and request it be removed due to lack of prior notice and resolution attempt. 
XXXX. XXXX ( Reported : XXXX. XXXX, XXXX ) Balance : {$5000.00} Status : XXXX  days late This loan appears to have reporting inaccuracies. I was not properly notified about the delinquency status. This is impacting my score despite attempts to resolve it. I request a formal investigation and updated reporting. 
XXXX. XXXX ( Reported : XX/XX/XXXX ) Status : Closed by credit grantor The account is listed at nearly 200 % utilization, but was closed and fully paid on time. I request the balance be corrected or this account removed to reflect accurately. 
XXXX. XXXX  XXXX ( Reported : XXXX. XXXX, XXXX ) Account shows Dispute resolved by grantor, but I was never informed or given the outcome of this dispute. Account also shows XXXX days late, which I do not believe is accurate based on my records.

Unauthorized/Inaccurate Hard Inquiries : I did not authorize or recognize the following inquiries and request their immediate removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) These inquiries were not initiated by me. I have no open accounts or applications tied to these institutions. They have negatively impacted my credit score and were added without my consent.

Resolution Requested : Full removal of the disputed hard inquiries listed above Full removal or correction of the disputed accounts ( XXXX XXXX, XXXX, XXXX, XXXX XXXX ) A full investigation and update from TransUnion regarding all disputed data Thank you for your help in this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : 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