vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NY

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 2025-05-05 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2025-05-05 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: IL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items.

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 2025-05-05 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: GA

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. 

XXXX OF XXXX - XXXX XXXX - XXXX XXXX OF XXXX - XXXX XXXX PM - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX CARD - XXXX XXXX CARD - 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 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 explanation
Consumer complaint received 2025-05-05 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-05-05 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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 recently reviewed a copy of my credit report. I found numerous inquiries from creditors who I do dont give permission to pull my credit report. These inquiries are fraudulent. Please remove these fraudulent inquiries from my credit report. 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 2025-05-05 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: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report, as these errors are having a direct and substantial negative impact on my financial standing and creditworthiness. Despite multiple previous attempts to resolve these issues, these same errors continue to appear, thereby impeding my ability to obtain credit and other essential financial opportunities. These recurring mistakes are not only damaging my credit score, but are actively hindering my economic stability and future prospects.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to investigate and correct any inaccuracies on my credit report. Furthermore, these errors are in direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of the information they report. 

Additionally, I am invoking 15 U.S. Code 1666 ( b ) under the Truth in Lending Act ( TILA ), which addresses billing errors, including the creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor, as well as computation errors or similar errors on a statement. You are obligated to correct these errors promptly.

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 2025-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
On XX/XX/XXXX, I called Honda financial services and requested to extend my car lease for another few months, the representative on the phone took me through the entire process, while I asked if my monthly auto payment will continue and they assured me that it will continue without a problem, a few months later I saw a late payment for my car lease and when I called in they claim they can't take my autopay because the representative didn't complete with me all the required documents on my previous phone call mentioned above on XX/XX/XXXX, but I was never informed that my autopay was halted by XXXX without my knowledge which cause them to un rightfully marked my car lease as 2 months late, even when calling them with payment d refused to charge my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Equifax in action violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: SC

Complaint narrative:
i have submitted disputes to you and i didnt get response within XXXX  days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Re : Identity Theft Dispute Request for Removal of Fraudulent Accounts Under 15 U.S.C. 1681c-2 Dear Consumer Reporting Agency, I am writing to formally dispute the presence of multiple fraudulent accounts listed on my credit report. I am a confirmed victim of identity theft, and as a result, several accounts were opened in my name without my knowledge or authorization. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am requesting the immediate and permanent removal of all information related to the fraudulent accounts listed below. The FCRA requires that such information be blocked within four ( 4 ) business days after receiving proper documentation. 

The accounts I am disputing are as follows : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX These accounts were not authorized by me and are the result of identity theft. I have enclosed all necessary documentation to support my claim and verify my identity. 

Enclosed Documents : 1. A copy of my government-issued photo identification 2. A copy of the Identity Theft Report filed with the FTC ( identitytheft.gov ) 3. Documentation related to the XXXX Equifax data breach 4. A list of other fraudulent inquiries, if applicable Requested Actions : 1. Permanently block and remove the above-referenced fraudulent accounts from my credit report. 
2. Confirm in writing that the accounts have been removed and will not be reinserted unless verified as accurate.

3. Cease reporting these accounts to any other credit reporting agencies.

If you fail to comply with this request, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek all remedies available to me under federal law. 

Please send all future communications to the contact information listed above. 

Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2025-05-05 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Re : Identity Theft Dispute Request for Removal of Fraudulent Accounts Under 15 U.S.C. 1681c-2 Dear Consumer Reporting Agency, I am writing to formally dispute the presence of multiple fraudulent accounts listed on my credit report. I am a confirmed victim of identity theft, and as a result, several accounts were opened in my name without my knowledge or authorization. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am requesting the immediate and permanent removal of all information related to the fraudulent accounts listed below. The FCRA requires that such information be blocked within four ( 4 ) business days after receiving proper documentation. 

The accounts I am disputing are as follows : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX These accounts were not authorized by me and are the result of identity theft. I have enclosed all necessary documentation to support my claim and verify my identity. 

Enclosed Documents : 1. A copy of my government-issued photo identification 2. A copy of the Identity Theft Report filed with the FTC ( identitytheft.gov ) 3. Documentation related to the XXXX Equifax data breach 4. A list of other fraudulent inquiries, if applicable Requested Actions : 1. Permanently block and remove the above-referenced fraudulent accounts from my credit report. 
2. Confirm in writing that the accounts have been removed and will not be reinserted unless verified as accurate.

3. Cease reporting these accounts to any other credit reporting agencies.

If you fail to comply with this request, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek all remedies available to me under federal law. 

Please send all future communications to the contact information listed above. 

Thank you for your prompt attention to this matter. 

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 2025-05-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, while reviewing the online application for the Citi XXXX XXXX XXXX on Citis website ( online.citi.com ), I clicked the Submit button to see whether the site would present or enforce the Terms & Conditions specifically because I had not yet agreed to them ( I intentionally left the required checkboxes unchecked ). 

To my surprise, the application was processed immediately without any client-side or server-side validation requiring affirmative agreement. I was taken directly to a confirmation page stating Your application is under review. Shortly afterward, I discovered that Citibank had already initiated a hard credit inquiry with XXXX. 

This means Citis system failed to require valid consent before pulling my credit a violation of standard compliance practices and user interface design. I have multiple timestamped screenshots demonstrating : The Terms & Conditions checkbox remained unchecked No confirmation or consent prompt intervened The application progressed anyway A hard inquiry was placed the same day ( XX/XX/year> ) This was not a valid or authorized inquiry under the 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 2025-05-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-05 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: NY

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I, XXXX XXXX, am formally notifying you that I have exercised my right to demand that my obligation be settled in lawful money as provided under 12 U.S.C. 411. Accordingly, I have chosen to tender full payment of my obligation through the redemption of a Federal Reserve XXXX, which constitutes legal tender for all debts, public and private. 


Debt Information Creditor : VYSTAR CU Loan Number : XXXX Amount Due : {$170.00} Legal Basis for Tender and Discharge Pursuant to 12 U.S.C. 411, I have the right to XXXXedeem Federal Reserve Notes in lawful money upon demand. Additionally, under UCC 3-603 ( b ), when a valid tender of payment is made and refused, the obligation is XXXX to the extent of the amount tendered. 

Terms of XXXX & XXXX The debt has been tendered in full using lawful money by redeeming a Federal Reserve XXXX. 

Any refusal to accept this valid payment constitutes discharge of the obligation under XXXX principles. By rejecting this payment, you waive any further claims of default, interest, penalties, or collection activity related to this debt.

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 2025-05-05 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: NY

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.

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