vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
EXPERIAN, EQUIFAX , INC. and TRANSUNION IS REPORTING WRONG AND BAD INFORMATION Please help me remove these inaccurate items off my credit report I reached out to all three credit bureaus and still have not had any assistance all. negative item listed below needs to be removed. XXXX ) XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Amount : XXXX Date Open : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Account Number : XXXX Amount : XXXX Date Open : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ) World finance Account Number : XXXX Amount : XXXX Date Open : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX XXXX ) XXXX XXXX XXXX/ Background Checks Account Number : XXXX sealed information that shouldnt be access for background checks Date Open XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
EXPERIAN, EQUIFAX , INC. and TRANSUNION IS REPORTING WRONG AND BAD INFORMATION Please help me remove these inaccurate items off my credit report I reached out to all three credit bureaus and still have not had any assistance all. negative item listed below needs to be removed. XXXX ) XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Amount : XXXX Date Open : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Account Number : XXXX Amount : XXXX Date Open : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ) World finance Account Number : XXXX Amount : XXXX Date Open : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX XXXX ) XXXX XXXX XXXX/ Background Checks Account Number : XXXX sealed information that shouldnt be access for background checks Date Open XX/XX/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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please help me, I have attached supporting correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please help me, I have attached supporting correspondence.

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 2025-04-16 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:
XXXX XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - 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 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 - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX  XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXXXXXX XXXX  - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
XX/XX/year> my name and social security number were used to fraudulently obtain a student loan from AidVantage. The person receiving the loan lives in XXXX, Louisiana and I live, and have always lived, in Kentucky. I have sent AidVantage everything they have asked for including, but not limited to, my drivers license, social security card, utility bills in my name and address, the police report, my high school transcript, and samples of my signature. I am a notary in the state of Kentucky, have lived at my current address for the last 10 years, and have worked at my current job for 10 years. AidVantage said, even with all the provided information, I failed to prove fraud. I don't know what additional information I could possibly send them. I have a copy of my lease and pay stubs showing my address is NOT in Louisiana. I feel it should be harder to get a loan than to prove that one was fraudulently taken in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: Cascade CISS Holdings, LLC
State: VA

Complaint narrative:
I received an alert today, XX/XX/XXXX that the company XACTUS-AVANTUSXXXX performed a credit inquiry on my XXXX  credit report. I have never reached out to this company and they've never communicated directly with me. I haven't provided them my social security information and I haven't authorized them to perform a hard inquiry. 

I also have evidence that I froze my XXXX account on XX/XX/XXXX but when I logged in my account was unfrozen. All of my credit bureau accounts are frozen to prevent this sort of activity. How did my XXXX account become unfrozen and what evidence, logs does XXXX have to reflect a change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : 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 2025-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TAG Intermediate Holding Company, LLC
State: TX

Complaint narrative:
Apoyo Financial took over the auto loan account from XXXX XXXX over a year ago. Since that time there has not been payments history reported. When asked about the lack of reporting to credit bureaus I was told that they do not report. I have made payments in the amount of XXXX XXXXXXXX XXXX XXXX XXXX, every month since XXXXXXXX XXXX XXXXXXXX. I purchased the vehicle from XXXX XXXX in XXXXXXXX XXXX XXXXXXXX as of this time no payments history by either company. This was sold to Apoyo Financial due the fact XXXX XXXX closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

and accuracies

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 2025-04-17 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: NV

Complaint narrative:
According to XXXX XXXX Account No : Ending in XXXX " WE CONFIRMED THAT OUR REPORTING OF YOUR ACCOUNT IS ACCURATE. 
They sent me a letter on XX/XX/XXXX. They said DELINQUENCY DISPUTED IS VALID. 
I lease a car from XXXX, XXXX, NV XXXX XXXX and then I bought that car from them. Total amount paid in full. Since XXXX XXXX XXXX I never missed any payment Just one payment didn't go through for their website updating or some kind of glitch. I informed them instant after that payment due date and they ensured me, they gon na fix that problem but unfortunately they didn't fix that problem. Now for their mistake my credit score went down. On that letter they asked me to provide supporting documents. I hope they can check my all payments on their website.

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 2025-04-17 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: NV

Complaint narrative:
According to XXXX XXXX Account No : Ending in XXXX " WE CONFIRMED THAT OUR REPORTING OF YOUR ACCOUNT IS ACCURATE. 
They sent me a letter on XX/XX/XXXX. They said DELINQUENCY DISPUTED IS VALID. 
I lease a car from XXXX, XXXX, NV XXXX XXXX and then I bought that car from them. Total amount paid in full. Since XXXX XXXX XXXX I never missed any payment Just one payment didn't go through for their website updating or some kind of glitch. I informed them instant after that payment due date and they ensured me, they gon na fix that problem but unfortunately they didn't fix that problem. Now for their mistake my credit score went down. On that letter they asked me to provide supporting documents. I hope they can check my all payments on their website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NV

Complaint narrative:
According to XXXX XXXX Account No : Ending in XXXX " WE CONFIRMED THAT OUR REPORTING OF YOUR ACCOUNT IS ACCURATE. 
They sent me a letter on XX/XX/XXXX. They said DELINQUENCY DISPUTED IS VALID. 
I lease a car from XXXX, XXXX, NV XXXX XXXX and then I bought that car from them. Total amount paid in full. Since XXXX XXXX XXXX I never missed any payment Just one payment didn't go through for their website updating or some kind of glitch. I informed them instant after that payment due date and they ensured me, they gon na fix that problem but unfortunately they didn't fix that problem. Now for their mistake my credit score went down. On that letter they asked me to provide supporting documents. I hope they can check my all payments on their website.

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 2025-04-16 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: NV

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XX/XX/scrub>XXXX XXXX I was given a loan modification trail for three months. After successfully completing the payments in a timely manner, I was approved for the loan modification XX/XX/year>. All documents were signed, notarized and returned to mortgage company. 

My first payment in the amount of {$1500.00} was sent in XX/XX/year>. XX/XX/year>, I received back payment in the mail, due to insufficient funds. The agreement stated the monthly payment was {$1500.00}. 

I emailed the mortgage company, and their response was the modification had now been denied as there are title issues on the property. 

A few days after returning the approved load modification documents, I was severed by the XXXX XXXX courthouse, stating that the information on my title was incorrect.

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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/year> there were XXXX charges made in XXXX California. XXXX in the amount of {$79.00} and XXXX in the amount of {$75.00}. I disputed the charges on XX/XX/year>. The charges were reversed on XX/XX/year>. Today, XX/XX/year> XXXX charges in the amount of {$75.00} totaling {$450.00} were applied to my account. Upon contacting Citibank they advised that they determined these XXXX as valid on XX/XX/year> and debited the amounts from my checking account today. When I inquired on how they made the determination I was advised that they could not disclose that information. I advised that I did not received any notification and asked to have the letters sent to my home address in Virginia the associate told me no and to call back the next day. When I insisted on having the letters be reissued as I could not dispute their determination without them, the associate disconnected the call.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have outdated information on my account that is paid. My report shows XXXX different amounts across all three accounts. I wish I could reach out, but nothing is changing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: IN

Complaint narrative:
Today XX/XX/year> XXXX XXXX XXXX XXXX has contacted me once again. Since early XXXX time frame I have notified Credit Corp Collections Agency , Inc. of my situation. Within the past XXXX days XXXX at least I have done so in writing after they mailed the " hardship verification - this is not a attempt to collect a debt notice - but in the spirit of the letter, it definitely is ''. I provided documented proof of financial hardship and medical situation. They have no regard for you're individual rights. You forward the requested information and they continue with the same repeated attempts to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-16 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-16 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: WA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: PA

Complaint narrative:
I had about {$280.00} in my account. I wanted to check my account as I just got paid. I then noticed my account has been locked. I have no access to my account in any way. I have tried to contact the bank with no luck the phone stays on hold for hours. XXXX XXXX  is the day I tried to contact the bank. XXXX XXXX is the last deposit that had went into the account. Almost {$800.00}.

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 2025-04-16 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: KS

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 any 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 of 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 explanation