vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I had fraudulent loans put into my name that damaged my credit. Equifax said that I had to sign over 50 % of my patents to Equifax in order for them to fix my credit and said they only care about big companies as I am a peasant. 

Enclosed are the identity theft accounts committed against me by XXXX XXXX mortgage and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$45000.00} XXXX  XXXX XXXX XXXX Balance : {$32000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$45000.00} XXXX XXXX XXXX Balance : {$67000.00} XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$45000.00} XXXX  XXXX XXXX XXXX Balance : {$32000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$45000.00} XXXX XXXX XXXX Balance : {$67000.00} XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-03-11 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: PA

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 XXXX 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 2025-03-11 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: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX 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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: KY

Complaint narrative:
Experian 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 or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian 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 or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-11 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: NC

Complaint narrative:
Equifax XXXX XXXX ( XXXX XXXX. XXXX ) I am writing to demand the removal of unauthorized and fraudulent accounts that have been unlawfully created in my name. As a victim of identity theft and the Equifax XXXX XXXX, I assert my rights under federal law and require your entitys immediate compliance in rectifying my credit file. The following fraudulent accounts and inquiries were created without my knowledge, authorization, or consent : Fraudulent : Rent Solutions : Balance : {$1700.00} : Opened : XX/XX/XXXX Fraudulent : XXXX XXXX : Balance : {$130.00} : Opened : XX/XX/XXXX Fraudulent XXXX XXXX XXXX : Balance : {$180.00} : Opened : XX/XX/XXXX Fraudulent XXXX  XXXX  Financial Solutions : Balance : {$110.00} : Opened : XX/XX/XXXX Fraudulent XXXX and XXXX : Balance : {$400.00} : Opened : XX/XX/XXXX Inquiries : XXXX  XXXX : XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX  : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX  XXXX  : XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XXXX of XXXX : XX/XX/XXXX, XXXX  Financial : XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XXXX  Financial : XX/XX/XXXX These fraudulent accounts were created without my authorization and lack any legally binding agreement, including a wet-ink signature. The presence of these unauthorized accounts constitutes a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORTS XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXX/XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX/XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX/XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX XXXX. ACCOUNT XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX. ACCOUNT # XXXX or # XXXX-************** ON DATE XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the EQUIFAX credit XXXX XXXX XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
XX/XX/year> A settlement was reached to pay less than balance due. Both the settled contract and agent stated it would be repprted as settled. ( see contract attaxhed ). 
I emailed compliance requesting the correction no response. 
XXXX Spoke to supervisor XXXX she processed a ticket to compliance. 
XXXX I emailed XXXX The contract for settlement states it will be reported as a settlement and closed. 

It doesn't state it will be repprted as written off, which XXXX identifies as a charge off. I emailed XXXX a pixrure of the status on my credit report. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: VA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-03-11 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Equifax, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Incorrect Address - XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXXXXXX EMPLOYER - XXXX XXXX XXXX EMPLOYER - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX LexisNexis Risk Solutions Dispute Department XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute of Inaccurate Bankruptcy Information under 15 U.S.C. 1681e ( b ) Dear LexisNexis Dispute Department, I am writing to formally dispute inaccurate information appearing on my consumer report maintained by LexisNexis. Specifically, your report includes a record of XXXX that is either incorrect, outdated, or does not pertain to me. This inaccurate information violates the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they provide. 
The inaccurate XXXX information is as follows : Furnisher : XXXXXXXX XXXX  XXXX Case Number : XXXX XXXX Date Filed : XX/XX/XXXX Status : Dismissed Pacer Number : XXXX Upon reviewing my records, I have confirmed that this information is incorrect due to the following reasons : The case was dismissed and should not be reported as active. 
The XXXX XXXX XXXXXXXX does not report any filings to credit bureaus. 
Under the FCRA, LexisNexis is legally obligated to maintain strict accuracy standards and conduct a reasonable reinvestigation of disputed information. Therefore, I request that you : 1. Conduct an immediate investigation into this inaccurate XXXX record. 
2. Provide the source of this information and the procedures used to verify its accuracy. 
3. Remove or correct the erroneous XXXX record from my report. 
4. Provide written confirmation of your findings and any corrections made. 
Please consider this letter as my formal request for correction under the FCRA. If the investigation does not result in the deletion or correction of the inaccurate information, I request that a statement of dispute be added to my file. 
Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), please provide me with a written response within 30 days of receipt of this letter. If you fail to properly investigate or correct this issue, I am prepared to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), or pursuing legal remedies. 
Enclosed are copies of supporting documents to substantiate my claim. Please note that these documents are provided for verification purposes only and do not authorize LexisNexis to share or store them beyond resolving this dispute. 
I appreciate your prompt attention to this matter and look forward to your response. Please send all correspondence regarding this dispute to the address listed above. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I purchased my XXXX XXXX XX/XX/XXXX For 72 months and my maturity Was XX/XX/XXXX but my contract has extended for 92 months and I know this is a error I will like for everyone involved to be investigated collecting payments from my account XXXX XXXX, XXXX XXXX ( aka ) Collection Supervisor XXXX Regional Acceptance Corporation XXXX XXXX XXXX XXXX XXXXXXXX These are the main two was threatening me and harassing me

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Every time I try to log onto MyEquifax I get an error message that my password is wrong, but I can not reset my password and then it won't let me create an account. I believe they are trying to force people to pay them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: VA

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 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