vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis stated that verified certain addresses that I know to be incorrect. LexisNexis did not provide any details about their investigation which leads me to believe it was a sham investigation. I will give LexisNexis 7 days to provide me with details on how they verified these addresses. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I am filing this formal complaint to report the continued failure of the credit reporting agencies to properly address and resolve multiple disputes I submitted regarding inaccurate and potentially unverifiable information in my credit report. Despite my repeated efforts, including my most recent dispute, no corrective action has been taken, nor have I received a legally compliant response in accordance with the Fair Credit Reporting Act ( FCRA ). 

Instead of conducting a proper reinvestigation, I received generic responses stating the information had been " verified '' without any details or supporting documentation. This response does not comply with the requirements of 15 U.S.C. 1681i ( a ) ( 7 ), which mandates that I be provided with the method of verification. Furthermore, the continued reporting of disputed items without proper reinvestigation or documentation constitutes a violation of both 1681i ( a ) and 1681e ( b ), which require the use of reasonable procedures to assure maximum possible accuracy.

Disputed Accounts Still Unresolved : Late Payment ( Closed/Paid ) 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 XXXX Incorrect Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Charge Off 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 XXXX XXXX XXXX XXXX XXXX  The Credit Bureaus Have Failed to Provide : The specific method and process used to verify the above information The name, title, and contact details of the furnishers who allegedly verified the data Any documentation used during the reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: WI

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 XXXX 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 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 2025-07-25 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: EQUIFAX, INC.
State: WI

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

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 explanation
Consumer complaint received 2025-07-25 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: KS

Complaint narrative:
This is a formal request under the Fair Credit Reporting Act ( FCRA ) for immediate investigation and deletion of multiple inaccurate or unverified entries appearing on my credit file. Per 15 U.S. Code 1681 and 1681c-2, you are legally obligated to ensure the accuracy of information and conduct proper reinvestigations upon consumer dispute. 

I am also aware of the XX/XX/XXXX, class action lawsuit against TransUnion regarding failures to properly investigate credit report disputes. With that precedent and the FCRA statutes, I demand immediate removal of the following items unless fully validated with original documentation : - XXXX XXXX ( Account # : XXXX ) Multiple inaccurate late payments. 
- XXXX XXXX XXXX XXXX ( Account # : XXXX ) Charged-off account with inconsistent records. 
- XXXX  ( Account # : XXXX ) Past due balance is misreported. 
- XXXX XXXX XXXX ( Account # : XXXX ) Debt not validated. Collection not confirmed by original creditor ( XXXX XXXX  ). 
- XXXX XXXX XXXX XXXX ( Account # : XXXX ) Collection account lacking verification. 
- XXXX  XXXX ( Account # : XXXX ) Late payments inaccurately reported without prior notice. 

Unauthorized Hard Inquiry : - XXXX XXXX XXXX Inquiry dated XX/XX/XXXX, was not authorized. Must be removed per FCRA Section 604. 


Please provide documentation verifying the accuracy and legal basis for each item listed above. If the items can not be fully validated, they must be removed from my credit report within 30 days as required by law. 

Failure to comply may result in additional legal action, including further complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and possible civil litigation based on established case law and recent federal judgments. 

Sincerely, 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 2025-07-25 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-25 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: GA

Complaint narrative:
I am a victim of identity theft and have found unauthorized accounts and inquiries on my credit report. These items are fraudulent and do not belong to me.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the listed items. Attached are the disputed accounts and a copy of my FTC Identity Theft Report. 

Please investigate and confirm in writing once the corrections are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

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 explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX | XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Subject : Formal Credit Dispute Identity Theft from Verified Data Breaches Dear CFPB Representative, I am submitting this formal dispute due to multiple fraudulent and inaccurate accounts listed on my credit report, which I believe are directly related to well-documented data breaches at XXXX  ( XXXX ), XXXX  ( XXXX ), and XXXX  ( XXXX ). These breaches exposed both my personal and small business data, which has since been used maliciously. 

As a result, the following accounts have appeared on my TransUnion credit report and are negatively impacting my credit : XXXX. XXXX. XXXX XXXX XXXX Acct No. XXXX XXXX {$910.00} XXXX. XXXX. XXXX XXXX XXXX Acct No. XXXX XXXX {$700.00} XXXX. XXXX. XXXX XXXX XXXX Acct No. XXXX XXXX {$13000.00} XXXX. XXXX. XXXX XXXX Acct No. XXXX XXXX  days late XXXX. XXXX. XXXX XXXX Acct No. XXXX Opened post-breach These accounts were not opened, authorized, or used by me. I am a victim of identity theft, and these entries were fraudulently created or reported using my compromised information. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request the following actions : Immediate removal of the listed accounts from my credit file. 
A corrected version of my credit report. 
A written response confirming the results of your investigation. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Subject : Formal Credit Dispute Identity Theft from Verified Data Breaches Dear CFPB Representative, I am submitting this formal dispute due to multiple fraudulent and inaccurate accounts listed on my credit report, which I believe are directly related to well-documented data breaches at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These breaches exposed both my personal and small business data, which has since been used maliciously. 

As a result, the following accounts have appeared on my XXXX  credit report and are negatively impacting my credit : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$910.00} XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} XXXX. XXXX. Consumer Portfolio Services XXXX XXXX XXXX XXXXXXXX {$13000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened post-breach These accounts were not opened, authorized, or used by me. I am a victim of identity theft, and these entries were fraudulently created or reported using my compromised information. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request the following actions : Immediate removal of the listed accounts from my credit file. 
A corrected version of my credit report. 
A written response confirming the results of your investigation. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am writing to formally dispute several accounts listed on my credit report that I believe are inaccurate, incomplete, outdated, or can not be verified. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation and deletion or correction of the following negative items : XXXX. XXXX XXXX ( Account ending in XXXX ) - Past due : {$4000.00} - This account shows extreme delinquencies and appears to be inaccurately reported multiple times. Please verify the accuracy and origin of the late payment entries. If unverified, please delete. 
XXXX. XXXX XXXX XXXX XXXX ( Account ending in XXXX ) Page XXXX XXXX XXXX XXXX - Status : Charged off, {$4400.00} past due - The account has been charged off for several years. I am requesting full validation of this debt. If it can not be verified with original documentation and contract, please remove it entirely. 
XXXX. XXXX ( Account ending in XXXX ) - Status : Charged off, {$2600.00} - This account shows a higher original balance than borrowed and has inconsistent reporting. 
Please provide the original contract and payment history, or remove due to unverifiable details. 
XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) - Balance : {$410.00} - Original Creditor XXXX XXXX XXXX- This debt is already marked as disputed and remains unresolved. If validation documents are not available ( e.g., signed contract ), please delete. 
XXXX. XXXX XXXX XXXX XXXX ( Account ending in XXXX ) - Balance : {$3800.00} - Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX- This is a collection account with no provided proof of debt ownership or original documentation. 
Please remove if full verification can not be provided. 
XXXX. XXXX XXXX ( Account ending in XXXX ) - 2 late payments reported - I am requesting proof of these late payments and the method used to determine reporting accuracy. If these lates can not be confirmed directly with timestamps and payment receipts, please update as " Paid on Time. '' Page 2 Credit Dispute Letter Please provide the method of verification, name and contact of the original furnisher, and supporting documentation. 
If verification can not be completed within the legally required 30 days, I ask that these items be removed from my credit report as required by the FCRA. 
I have attached a copy of my ID and a utility bill for identity confirmation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Fraudulent Ilegal account which Ive never applied for and never received any monies or any documentation whatsoever from your company. Falsifying documents is a Federal Offense. Ive never applied for such loans and Ive never signed any documents for such a Loan : Ive contacted Federal Authorities and charging your company with fraud and Federal Criminal Acts : Account Number : XXXX Outstanding Balance : {$1500.00} Creditor : XXXX XXXX XXXX Credit Bureau : Trans Union Status : In Collection Collection Agency : XXXX XXXX XXXX Account Type : Derogatory Debt : Unsecured Loan ( XXXX XXXX  ) Responsibility : Individual >>>>>> This is the false and inaccurate information as well as attempted fraud to collect money which Ive never applied for and never signed any documents for such a loan and claim! This collection agency is purposely misleading and trying to fraudulently scam me of money that I do not owe!

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 2025-07-25 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:
I discovered an error on my credit report that I did not authorize or recognize. I contacted the company directly to dispute the inaccurate information, but they failed to resolve the issue or provide proper documentation verifying the account. I submitted supporting documents to prove the information is incorrect, but no meaningful investigation appears to have been conducted. This error is negatively impacting my credit score and my ability to access financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I was alerted today, XX/XX/XXXX, by my bank that a charge of over {$1000.00} was being attempted. Upon further investigation, I learned the charge was from PayPal for a purchase at XXXX. I immediately contacted PayPal and was informed I would need to contact my bank and the store involved instead. The charge was still pending at this point. 

I contacted my bank and was able to stop the charge from being deducted from my bank account as it had not processed yet. I contacted XXXX 's customer service next. Even after explaining the situation, they were unable to help as I had no knowledge of any account number to make the purchase. 

By the evening, I was informed via text my bank had declined PayPal 's charges and PayPal was now demanding payment for what I had learned was an XXXX, delivered via XXXX, on XX/XX/XXXX, via no signature required process to an address that is not my own and not attached to any accounts I own. In fact, the original information on the bill showed my name was even misspelled. 

PayPal has already closed my dispute in less than XXXX hours, with notes indicating the shipping address was added to my account on the XXXX when my billing account information was also added. 

When PayPal 's process deducts charges from an account XXXX  days after the product has already been delivered, it negates the purpose of my bank alerts for amounts over a set amount. The bank 's process worked exactly as it should - alerting me and stopping the charge. Yet PayPal 's delayed billing process facilitated the fraudulent charge. 

Now I am responsible for the charge because the product was allowed to be sent before payment was received. There's no way for anyone to prevent fraud with this process in place. Had payment been secured before sending the product, this never would have occurred because payment never would have been obtained. I can guarantee this because the business account from which the funds would have been taken, didn't have enough to pay for an ipad of over {$1000.00}. This problem is entirely the company 's own making. 

At the point my bank contacted me about the charge, the product had already been delivered several days before. I didn't matter what I did at the point- even though I did all that was recommended.

Company response to consumer: Closed with monetary relief