vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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: LEXISNEXIS
State: IA

Complaint narrative:
The following inquiry history section on pages 10 of 26, 11 of 26, 12 of 26, 13 of 26, 14 of 26, 15 of 26 and 16 of 26 currently listed and showing on my Lexis Nexis Consumer Report Number : XXXX, Case Number : XXXX performed by XXXX XXXX and other insurance companies, a current carrier search on me is a fraudulent and unauthorized search and inquiry record, because I have never had or applied for any insurance policy with XXXX XXXX or no other insurance company. The insurance companies that performed a current carrier search on me, the search is unauthorized and fraudulent. Its not my inquiries or records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report.

I request that this account be removed from my Credit Report Account Name / Account Number 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 explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt.

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : A copy of the original signed contract or agreement bearing my signature ; A full chain of title including all assignments and transfers of the alleged debt ; A bill of sale or purchase agreement proving legal ownership of the debt ; Proof of licensing to collect debt in my state ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: AL

Complaint narrative:
The furnisher is reporting inaccurate and unlawful information to the credit bureaus in violation of the FCRA and Metro 2 standards. 
This account is being reported with future dates ( Status Updated and Balance Updated showing XXXX  ), which is impossible and constitutes false reporting and re-aging, violating FCRA 605 ( a ) and 623 ( a ) ( 1 ). 
The furnisher also failed to provide a legally required Date of First Delinquency ( DOFD ) under FCRA 623 ( a ) ( 5 ). Without a DOFD, the credit bureaus can not legally keep or update this account. The account includes missing required fields, including correct terms, payment history, and delinquency date. 
The furnisher is reporting past-due amounts without supplying accurate, complete, or verifiable data, violating Metro 2 guidelines and FCRA 623 ( a ) ( 2 ) ( accuracy and completeness ). 
I am requesting a full investigation into the furnishers illegal reporting practices and immediate correction or deletion of this account from all credit bureaus due to inaccurate and unverifiable reporting.

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 2025-12-07 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: CA

Complaint narrative:
Upon reviewing my credit report, I realized that someone has been applying for car loans in my name on numerous occasions, resulting in many hard inquiries, which negatively affects my credit score and prevents me from obtaining any type of credit. Therefore, I request that these inquiries be removed from my credit report. I have contacted the three major credit bureaus explaining the situation, but I have not received any response. I also sent letters by mail attempting to dispute the information, but I have not received a response either. The disputed information includes all the hard inquiries generated during the years XXXX and XXXX, with the exception of the one from XXXX XXXX  in XX/XX/XXXX, which I am fully aware of having authorized.

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 2025-12-07 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 filing this complaint because there are multiple credit inquiries on my credit reports from companies I have never done business with. I did not apply for credit with these companies and I do not have accounts with them. 

Since I never applied, I do not understand why my credit was checked. These inquiries are affecting my credit and should not be on my reports. 

XXXX XXXX XXXX XXXX XX/XX/year>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 explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AR

Complaint narrative:
On XXXX XX/XX/year>, on or about XXXX, I completed a withdrawal transaction to get {$200.00} from XXXX using Coinbase. However after I tapped submit, I went back to double check my ETH wallet address and learned that the last digit of my XXXX was altered from XXXX to XXXX. When reached out to customer service representative, they blamed me and said I inputted my wallet address incorrectly. Here 's what it don't make sense : XXXX. If I copied and paste my wallet address, why would I go to any part of my wallet to change it? ( I made many different XXXX and XXXX transactions with friends, and I never made a mistake sending XXXX or XXXX to anyone when I got their XXXX or XXXX addresses ) XXXX. I had XXXX memorized my withdrawal password and my wallet, so when prompted, I authorize XXXX to paste the saved wallet address and withdrawal password on the website ( see video I attached ), it does paste the correct ETH wallet address and withdrawal passwords, but when the transaction was processed quickly, the last digit of my wallet was changed from XXXX to XXXX. Why would I altered my own wallet address? And right after it was populated, I immediately tapped submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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:
I am filing a complaint regarding multiple FCRA violations by credit bureaus and furnishers. Unauthorized hard inquiries and inaccurate account-related information are being reported without any permissible purpose or written authorization, violating FCRA 1681b, 1681e ( b ), and 1681i. 
The following companies accessed or furnished information to my credit file without my consent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX No creditor has produced any application, signed authorization, or documentation proving I permitted these credit pulls. These inquiries are harming my credit score and financial opportunities. 
I request : An immediate investigation.

Verification of all alleged authorizations. 
Deletion of any unverifiable or unauthorized inquiries or accounts. 
Enforcement actions for non-compliance. 
These violations are ongoing and causing measurable harm.

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 2025-12-07 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: IL

Complaint narrative:
I am filing a complaint regarding multiple FCRA violations by credit bureaus and furnishers. Unauthorized hard inquiries and inaccurate account-related information are being reported without any permissible purpose or written authorization, violating FCRA 1681b, 1681e ( b ), and 1681i. 
The following companies accessed or furnished information to my credit file without my consent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX No creditor has produced any application, signed authorization, or documentation proving I permitted these credit pulls. These inquiries are harming my credit score and financial opportunities. 
I request : An immediate investigation.

Verification of all alleged authorizations. 
Deletion of any unverifiable or unauthorized inquiries or accounts. 
Enforcement actions for non-compliance. 
These violations are ongoing and causing measurable harm.

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 2025-12-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 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 2025-12-07 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: MI

Complaint narrative:
I XXXX XXXX am a XXXX XXXX XXXX XXXX request the deletion and removal of the fraudulent accounts on my credit report : XXXX  XXXX opendate XX/XX/XXXX, XXXX  XXXX open date XX/XX/XXXX, XXXX XXXX open date XX/XX/XXXX, XXXX XXXX XXXX open date XXXX XXXX, XXXX XXXX XXXX  open date XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX open date XX/XX/XXXX, XXXX XXXX  XXXX XXXX open date XXXX XXXX, XXXX fi XXXX XXXX open date XX/XX/XXXX, XXXX XXXX  XXXX XXXX open date XX/XX/XXXX, XXXX XXXX XXXX XXXX open date XXXX XXXX, XXXX XXXX XXXX XXXX open date XX/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 2025-12-07 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: NJ

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain. 

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : 1 ) XXXX  XXXX XXXX XXXX : {$1100.00} Date XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX {$1400.00} Date XXXX XXXX ) XXXX XXXX  Amount : {$1800.00} Date XXXX XXXX ) XXXX XXXX Amount : {$1800.00} Date XXXX XXXX ) XXXX Amount : {$21000.00} Date XXXX XXXX ) XXXX XXXX Amount : {$42000.00} Date XXXX Incorrect Names Listed : XXXX ) XXXX XXXX XXXX Addresses listed : XXXX ) XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 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 2025-12-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: VA

Complaint narrative:
XXXX is furnishing information to Experian in a manner that is inaccurate, incomplete, and misleading under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines. I am not disputing the balance owed. I am disputing the accuracy and integrity of the reporting fields that determine the age, timeline, and severity of the negative account history.

The payment history grid displays derogatory codes across multiple years that do not correspond to the actual timeline of the account. These codes appear in months where no payments were scheduled or due and do not match the accounts last actual activity. This creates a misleading depiction of the delinquency pattern, which does not comply with FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information that is inaccurate or creates a materially misleading impression of the consumers credit history.

In addition, the tradeline does not include the required Date of First Delinquency ( DOFD ). Under FCRA 623 ( a ) ( 5 ), furnishers must report DOFD for accounts that have been charged off so the credit bureaus can correctly determine the reporting period. Without DOFD, the tradeline is incomplete and can not be evaluated for proper aging, which impacts the accuracy required under FCRA 602 ( a ) and the obligation to report complete information under FCRA 623 ( a ) ( 2 ).

The account also reflects a status updated date well beyond the actual last activity date, and the payment history structure appears to extend the delinquency period into later years in a way that does not match the factual progression of the loan. This creates an impression of more recent negative activity than actually occurred, which is misleading and harmful to my credit profile. Under FCRA 607 ( b ), information must be both accurate and presented in a manner that does not distort or misrepresent the timeline of events.

Because these issues relate to the structure of the reporting itself, including missing required fields, inaccurate payment history mapping, and misleading date progression, they can not be corrected through simple updates and am requesting deletion. These are systemic inaccuracies that affect fundamental fields used by the bureaus to calculate severity, recency, and scoring impact.

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 2025-12-07 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: CO

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$2200.00}

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 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Charge-Off FCRA Section 601 Violation Account Disputed : Exeter Finance LLC Account XXXX XXXX To Whom It May Concern, I am formally disputing the charge-off reported by Exeter Finance LLC, Account XXXX XXXX. The information being reported is inaccurate and unverified. Additionally, the creditor failed to provide a required 1099-C, which calls the validity of the reporting into question.

Under the Fair Credit Reporting Act ( FCRA ), including Section 601, XXXX  is required to maintain maximum possible accuracy. If Exeter Finance LLC can not validate this account with complete documentation, the tradeline must be corrected or deleted.

Due to the clear inaccuracy, I request expedited handling and correction or deletion within four ( 4 ) days of receipt of this notice. 
Please provide written confirmation of your findings. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation