vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: EQUIFAX, INC.
State: MS

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: IL

Complaint narrative:
On XX/XX/XXXX, my vehicle financed through XXXX XXXX was reported stolen. Following an insurance company investigation, the vehicle was never recovered. As a result, a deficiency balance of {$1000.00} remained after insurance settlement. 
On XX/XX/XXXX, I paid the full remaining balance of {$1000.00} directly to XXXX XXXX. I have attached documentation confirming payment for your records. 

At this point, the account is fully resolved and carries a XXXX balance. However, my credit report continues to show the account as a Collection/Charge off, which does not accurately reflect the current standing of this account.

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 2025-08-18 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. 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 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 2025-08-18 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: AZ

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-18 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
This is my sixth and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>XXXX  my Capital One credit card account was somehow hacked. The hacker added their bank account and made a payment I guess they thought they were transferring my credit to their account, I immediately see this and log in and cancel the payment and also removed the bank account and changed my password. The next day I login and see my account is restricted I call capital one and they say they need a bank statement from the bank account used for that payment that I canceled ( from a bank account that isnt mines ) and my ID and a document to verify my address which I provided only thing that I couldnt provide was the bank statement because that bank was not mines and I dont even bank with that bank. Its been going on a few months and Capital One wont restore my account because I cant provide a bank statement for a bank that wasnt mines ( I cancelled the payment before it even could progress and removed this bank ) they say its no other options and my account will remain restricted, this doesnt make any sense please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Greetings, I'm referring to the claim XXXX. During the month of XXXX, I made the last payment on the loan related to the claim. After the claim was addressed and closed, in XXXX, they reported the loan was late again, and it appears on all my credit reports as a late payment. The loan was paid under all the conditions imposed by the bank and is closed. I can't understand why, and if I might have to file multiple complaints to get it corrected. Please help me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
I am filing this complaint because LexisNexis is willfully reporting false, incomplete, and unverifiable bankruptcy information ( XXXX XXXX. XXXX ) on my consumer file, despite overwhelming proof that the record is inaccurate and unverifiable. 

Despite multiple disputes and CFPB complaints already filed, LexisNexis continues to ignore its obligations under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Reporting Standards, and the Texas Privacy Data Act. 

False Bankruptcy Filing Date LexisNexis reports the filing date as XX/XX/XXXX, when my official bankruptcy court documents show XXXX  as the actual filing date. This is a five-year discrepancy that materially misrepresents my credit history. 

Incorrect Case Number & Court Information The case number and court address LexisNexis reports do not match official court records.

Missing Legal Disposition LexisNexis reports a scheduled close date but fails to list a discharge or dismissal. Reporting an open, unresolved bankruptcy is factually misleading and violates FCRA 607 ( b ) s requirement to report with maximum possible accuracy.

Improper Verification Using XXXX LexisNexis claims it verifies bankruptcies through PACER, which is not an original source and does not verify consumer data. The Clerk of Courts has confirmed that XXXX  does not provide consumer verification services, meaning LexisNexis verification is invalid. 

XXXX  Has Already Deleted the Bankruptcy On XX/XX/XXXX, XXXX  removed this exact bankruptcy record ( Case # XXXX ) from my credit file after its reinvestigation. 

If a nationwide CRA has deemed this bankruptcy inaccurate and unverifiable, LexisNexis has no legal or factual basis to continue reporting it. 

Violation of Texas Privacy Data Act LexisNexis continues to share and sell my personal data including false addresses, name variations, and tax liens not belonging to me. This is a direct violation of my rights under Texas privacy law.

Failure to Correct After Multiple Disputes I have filed at least three disputes with LexisNexis ( CFPB Case # XXXX, # XXXX, and # XXXX ). Each time, LexisNexis falsely claimed verification and refused to delete the record. 

This is a clear willful violation of FCRA 611, which requires deletion of unverifiable information after a consumer dispute.

Harm Caused This false bankruptcy reporting has caused damage to my credit score, denial of credit opportunities, and ongoing reputational harm. 

By ignoring clear evidence, LexisNexis is profiting from the sale of inaccurate data at the direct expense of my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The account reporting is XXXXXXXX XXXX XXXX was the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
Different names I do not recognize thats on my credit report is tied to accounts that shouldnt be on my credit. My name is similar to the ones on my report are not my name. This has to be a error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
Different names I do not recognize thats on my credit report is tied to accounts that shouldnt be on my credit. My name is similar to the ones on my report are not my name. This has to be a error

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint against the nationwide consumer reporting agencies Equifax, Experian, and TransUnion for inaccurate, incomplete, and unverifiable information being reported on my credit files in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

- Inaccurate Personal Information : My credit files contain multiple name variations and inconsistent addresses that are not accurate or up to date. This causes confusion and raises risk of mixed files. 
- Incorrect/Unverified Accounts and Balances : Equifax Consumer Statement lists a XXXX  account with an incorrect balance and indicates I signed a contract that I never signed. XXXX XXXX ( Experian ) shows as a derogatory charged-off account with inconsistent balance reporting ( {$850.00} {$880.00} ) that I dispute. 
Collections from XXXX XXXX XXXX XXXX and XXXX / XXXXt are reported as derogatory without validation of debt. 
- Duplicate and Inconsistent Reporting : Certain accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) show differing balances or statuses across the three credit bureaus, violating the requirement for accuracy and consistency. 
- Failure to Properly Investigate Disputes : I previously disputed several accounts, yet the bureaus have continued reporting them as 'meets FCRA requirements ' or 'consumer disputes ' without providing proof of validation. This violates FCRA 1681i ( a ).

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 2025-08-18 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: CA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN KEEPS DISCONNECTING BANK ACCOUNT FROM THE XXXX  XXXX XXXX THAT EXPERIAN OFFERS. EVERY THREE MONTHS THE ACCOUNT IS DISCONNECTED AND I HAVE TO RECONNECT THE ACCOUNT. RECONNECTED THE ACCOUNT EVERY THREE MONTH ENCOURAGES OTHER AGENICES TO SLIDE IN AND START MONITORING THE ACCOUNT USING EXPERIAN CREDENTIALS. XXXX XXXX IS STILL MONITORING ACCOUNT DAILY CAUSING MORTGAGE COMPANIES TO USE THE EXCESSIVE CREDIT INQUIRIES AS AN EXCUSE TO DENY HOME LOANS. EXPERIAN REQUIRING TO RECONNECT ACCOUNT EVERY THREE MONTHS IS NOT ASSURING ME THAT THEY ARE KEEPING MY INFORMATION FROM POSSIBLE WEBSITE THEIVES OR DATA BREACHES AND DO NOT WANT OFFERS OF ANY ORGANIZATION THAT PROMISES PROTECTION FROM DATA BREACH. ORGANIZATION OR TAKING OVER ENTIRE WEBSITES.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

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 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 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 2025-08-18 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
1. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation