vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am a confirmed victim of identity theft ( FTC Report and police report on file ). Two fraudulent accounts XXXX XXXX ( Report # XXXX ) and XXXX ( Report # XXXX ) were previously deleted but have now been unlawfully reinserted on my credit file without proper written notice or certification of accuracy. This violates FCRA Section 605B ( c ) ( 2 ) and 611. Additionally, LexisNexis, XXXX XXXX XXXXXXXX, XXXX, XXXX, and XXXX have continued sharing or storing this data without verifying its accuracy. I request full deletion and blocking of this data under FCRA 605B and written confirmation of compliance. 

Complaint Narrative : My name is XXXX XXXX XXXX, and I am submitting this formal complaint as a verified victim of identity theft. There is a fraudulent eviction listed in public records and disseminated by consumer reporting agencies and third-party tenant screening databases without my authorization or connection. 

The eviction is tied to the following : Case Number : XXXX Filed : XX/XX/XXXX Court : Justice of the Peace Precinct # XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I never lived at that address, had no rental relationship with the plaintiff, and had no involvement in this case. This fraudulent public record has been used to harm me by companies including LexisNexis, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, and XXXX, all of whom have either stored, shared, or reported this data. 

I filed a police report in XX/XX/XXXX and an FTC Identity Theft Report confirming I am a victim of identity theft. I also submitted these materials directly to LexisNexis and others. However, the record remains. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B ( 15 U.S.C. 1681c-2 ) which requires blocking of identity theft data within 4 business days Section 611 ( 15 U.S.C. 1681i ) which mandates reinvestigation of disputed information Section 1681s-2 ( a ) which prohibits the reporting of information known to be inaccurate Further, courts do not verify consumer identity, so any third party like LexisNexis or XXXX can not claim the court validated my connection. Disseminating this unverified data is unlawful. Cases like Cortez v. Trans Union, 617 F.3d 688 ( 3d Cir. 2010 ) and Gorman v. Wolpoff & Abramson, 584 F.3d 1147 ( 9th Cir. 2009 ) affirm the legal consequences of negligent reporting and failure to block identity theft-related data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had a fraudulent transaction made on my acct totaling {$180.00}. It was unauthorized & they are no help over the phone nor through support. I want my money back that was fraudulently sent to someone! Just because I send payments to this person periodically doesnt make EVERY transaction valid. I said this one was fraudulent and they treated it like a joke and dont seem to want to comply!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: SD

Complaint narrative:
To whom it may concern, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe is inaccurate. I understand that information on my credit report must be verified and documented before it can be used by creditors. I can not accept allegations of delinquency or derogatory remarks without factual evidence to support them. 
I am questioning the accuracy of this information, which does not appear to comply with federal or state reporting requirements. I kindly request that you ensure compliance and accuracy when reporting this information. As a responsible credit reporting agency, I trust that you will not report any information that you know or should know is not compliant with regulations or the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am reporting inaccurate credit reporting by Citibank on my Citibank Visa account. XXXX  is showing a XXXX late for XX/XX/year>, while XXXX  is reporting a XXXX late for the same account and month. This violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and consistent information. Ive requested correction, but it remains unresolved. This is materially affecting my credit and I am requesting that the late payment be removed or corrected across all bureaus.

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 2025-06-11 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: SD

Complaint narrative:
To whom it may concern, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe is inaccurate. I understand that information on my credit report must be verified and documented before it can be used by creditors. I can not accept allegations of delinquency or derogatory remarks without factual evidence to support them. 
I am questioning the accuracy of this information, which does not appear to comply with federal or state reporting requirements. I kindly request that you ensure compliance and accuracy when reporting this information. As a responsible credit reporting agency, I trust that you will not report any information that you know or should know is not compliant with regulations or the law.

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 2025-06-11 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I have reached out to Goldman Sachs regarding a fraudulent Apple credit card that was opened under my social security number using a different last name. I have provided the credit bureaus with my social security card showing the last name used wasnt mines, my Georgia drivers license showing my address, as well as, an FTC report and Im being given the runaround about removing the fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any inquiries not later than than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any inquiries not later than than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: AZ

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

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 2025-06-11 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: UT

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-06-11 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: TX

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item.

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

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 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Unfortunately I am going to have to file a complaint with PayPal. And yes, I will be publishing this for everyone to read because I feel that people should be warned when doing business with them. I am a freelance business owner. My work is in audio production. Sometimes I might occasional sell products, like for instance, I sold a computer that I no longer use, but most of my sales history has been related to my audio production business. A word to the wise, don't do business with PayPal, especially if you want to sell internationally. I had a wonderful sales history. PayPal would periodically email me and tell me I had more available money because of this great history. But then, I decided to do business with a XXXX customer. I was instantly flagged. I've been a PayPal user for years. I've had a great sales history. I've never had a single complaint. And yet, they decide to flag me. Unfortunately, I had to refund the XXXX customer because international shipping is really expensive, and since PayPal flagged me, and held my money, I had no choice but to refund her. She sent me XXXX dollars. Then, I submit my information to PayPal, and they decide to deactivate me. Supposedly, they claim that my account is linked to a PayPal account with unresolved issues? How exactly? This has been my PayPal account for years. I've had this account since late XXXX, early XXXX. I haven't had another PayPal account. This is ridiculous. They claimed that someone on the back team reviewed it, but the statements they made were extremely vague. Because of their unfair decision, I've had to refund my XXXX customer, and ask him if there was another way he could pay. This is unacceptable. I've lost XXXX dollars in potential sales, {$200.00} from my XXXX customer and {$300.00} from my XXXX customer, and PayPal, if they bothered to look, would see the refunds I've had to issue. I am requesting that they either restore my account fully or at least they should compensate me XXXX dollars to make up for my lost sales. I am not afraid to go to the media if they don't comply. I will publish this beyond CFPB and tell anyone that will listen not to do business with PayPal unless they act quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item.

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: IL

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 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
Consumer complaint received 2025-06-11 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
To whom it may concern, I am writing to contest any information on my credit report that may be inaccurate or undocumented. I kindly request that you please review my credit report in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. If there are any claims that have not been proven to be correct, I request that they be removed.

I understand that according to federal and state law, it is important to report any allegations accurately and completely.

Therefore, I can not accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations as they are unsubstantiated.

I kindly request that you ensure all claims on my report are factual and reported correctly, as required by the Metro 2 reporting standard. If you could provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose, that would be greatly appreciated. 
I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If there are any inaccuracies or non-compliances, I kindly request that they be removed from my credit report. 
Lastly, I authorize you to mail me physical documentation of your actions and my updated credit report. I appreciate your cooperation in this matter.

Company response to consumer: Closed with non-monetary relief