vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: TN

Complaint narrative:
As mentioned before, these accounts are a result of ID Theft. This is the last of the accounts that need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX or via https : //www.consumerfinance.gov/complaint/ Subject : Escalated Complaint Repeated FCRA Violations by Equifax Dear CFPB Team , This letter is a formal escalation of my previous complaint regarding Equifaxs failure to properly investigate and resolve inaccurate items on my credit report. I submitted two separate dispute rounds, one dated XX/XX/year>, and another dated XX/XX/year>. In both instances, Equifax failed to provide meaningful resolution, did not offer any proof of debt validation, and continued to report accounts I have disputed as inaccurate, resolved, or fraudulent. 

The merged file attached ( XXXX ) shows a clear pattern of negligence. These items remain on my credit report despite lacking legally required documentation : - XXXX XXXX XXXXXXXX {$2800.00} ( unverified utility bill ) - XXXX XXXX XXXXXXXX {$8700.00} and {$2600.00} ( charge-offs ) - XXXX XXXX XXXX {$19000.00} repossession ( no payment record ) - XXXX XXXX XXXX XXXXXXXX {$460.00} collection ( disputed identity ) - And several others still reporting despite dispute submissions. 

I am requesting the following immediate actions : 1. Deletion of all unverifiable and misattributed accounts 2. Monetary penalties imposed on Equifax for repeated FCRA violations 3. Confirmation of a full reinvestigation and a corrected credit report 4. Written explanation of Equifaxs investigation procedures and contacts 5. Notification to all lenders who accessed my report in the past 24 months Equifaxs repeated failures are damaging my ability to obtain housing, employment, and fair credit access. If this is not resolved immediately, I will pursue legal action. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX XXXX Additional Issue : Inaccurate Bankruptcy Reporting via XXXX In addition to Equifax 's repeated failure to address credit reporting errors, I am also reporting the ongoing and damaging inclusion of a dismissed bankruptcy on my credit report. This record, reportedly verified by XXXX XXXX XXXX XXXX XXXX XXXX, has no legal basis to remain active or derogatory in my consumer file. The case in question was dismissed, not discharged, and should not be used to influence creditworthiness or scoring under the FCRA. 

I have submitted a separate dispute directly to XXXX, but I am requesting that the CFPB include this violation in the overall investigation and require Equifax to immediately remove or update this record based on verifiable documentation from the court. 

This issue further underscores a pattern of negligent and harmful reporting behavior by Equifax and their third-party data vendors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In XX/XX/XXXX, I closed my XXXX XXXX account. Even after the closure, I continued making monthly payments to ensure my balance was fully paid. In XX/XX/XXXX, I contacted XXXX XXXX ( the issuer of the XXXX XXXX ) to confirm the account status and clear any remaining balance. During the call, I was told that my balance was completely paid and that there was nothing further I needed to do with the account. 

However, despite that confirmation, an interest charge of {$2.00} was added to the closed account and continued to accrue without my knowledge. I received no communication regarding this charge because the company had the wrong email on file XXXX instead of my correct email address : XXXX. 

XXXX XXXX did not communicate or emphasize that interest could still accumulate even after the account was closed, especially after I was assured over the phone that the account was fully settled. 

I only became aware of the balance when it was reported as delinquent and negatively impacted my credit report. I immediately paid the full amount upon discovering it. 

I have never missed a single payment on any of my accounts throughout my entire credit history. I respectfully request that this negative mark be removed from my credit report and that my history be restored to reflect my long-standing, responsible credit behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In XX/XX/XXXX, I closed my XXXX XXXX account. Even after the closure, I continued making monthly payments to ensure my balance was fully paid. In XX/XX/XXXX, I contacted XXXX XXXX ( the issuer of the XXXX XXXX ) to confirm the account status and clear any remaining balance. During the call, I was told that my balance was completely paid and that there was nothing further I needed to do with the account. 

However, despite that confirmation, an interest charge of {$2.00} was added to the closed account and continued to accrue without my knowledge. I received no communication regarding this charge because the company had the wrong email on file XXXX instead of my correct email address : XXXX. 

XXXX XXXX did not communicate or emphasize that interest could still accumulate even after the account was closed, especially after I was assured over the phone that the account was fully settled. 

I only became aware of the balance when it was reported as delinquent and negatively impacted my credit report. I immediately paid the full amount upon discovering it. 

I have never missed a single payment on any of my accounts throughout my entire credit history. I respectfully request that this negative mark be removed from my credit report and that my history be restored to reflect my long-standing, responsible credit behavior.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In XX/XX/XXXX, I closed my XXXX XXXX account. Even after the closure, I continued making monthly payments to ensure my balance was fully paid. In XX/XX/XXXX, I contacted XXXX XXXX ( the issuer of the XXXX XXXX ) to confirm the account status and clear any remaining balance. During the call, I was told that my balance was completely paid and that there was nothing further I needed to do with the account. 

However, despite that confirmation, an interest charge of {$2.00} was added to the closed account and continued to accrue without my knowledge. I received no communication regarding this charge because the company had the wrong email on file XXXX instead of my correct email address : XXXX. 

XXXX XXXX did not communicate or emphasize that interest could still accumulate even after the account was closed, especially after I was assured over the phone that the account was fully settled. 

I only became aware of the balance when it was reported as delinquent and negatively impacted my credit report. I immediately paid the full amount upon discovering it. 

I have never missed a single payment on any of my accounts throughout my entire credit history. I respectfully request that this negative mark be removed from my credit report and that my history be restored to reflect my long-standing, responsible credit behavior.

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 2025-06-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XX/XX/year> Subject : Dispute of Unauthorized Hard Inquiry on Credit Report To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry listed on my credit report. I recently obtained a copy of my credit report from your bureau and noticed a hard inquiry from CAP ONE AUTO FIN VIA DEALER dated XXXX, which I do not recognize and did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), hard inquiries should only be made with my explicit authorization, typically in connection with a credit application I have initiated. I have not applied for credit with this company nor have I given permission for this inquiry. 

I respectfully request that this unauthorized hard inquiry be investigated and removed from my credit report. Please consider this letter as a formal dispute of that item under the FCRA. 

Enclosed are copies of my identification and a copy of the relevant portion of my credit report highlighting the unauthorized inquiry for your reference. 

Please provide a written response of the results of your investigation within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-06-13 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:
This complaint is valid. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are causing serious personal and financial harm. I demand immediate correction or removal. Prompt action is essential and would provide critical relief during this challenging time.

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 2025-06-13 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: PA

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. I recently learned that my personal information was compromised in the EXPERIAN data breach, and since then, Ive discovered fraudulent accounts on my credit report that I did not authorize or open.

This situation has been incredibly XXXX, and I am requesting your immediate assistance in resolving this matter. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting the prompt removal of all fraudulent accounts associated with this identity theft from my credit file.

The law clearly states that once a credit reporting agency receives appropriate notice that information resulted from identity theft, it must block and remove that information within four ( 4 ) business days.

I trust that your agency will act in compliance with federal law and ensure these inaccurate and harmful items are removed promptly to prevent any further damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: Global Lending Services LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XX/XX/2025 Subject : Dispute of Unauthorized Hard Inquiry on Credit Report To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry listed on my credit report. I recently obtained a copy of my credit report from your bureau and noticed a hard inquiry from GLOBAL LENDING SERVICES dated XXXX, which I do not recognize and did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), hard inquiries should only be made with my explicit authorization, typically in connection with a credit application I have initiated. I have not applied for credit with this company nor have I given permission for this inquiry. 

I respectfully request that this unauthorized hard inquiry be investigated and removed from my credit report. Please consider this letter as a formal dispute of that item under the FCRA. 

Enclosed are copies of my identification and a copy of the relevant portion of my credit report highlighting the unauthorized inquiry for your reference. 

Please provide a written response of the results of your investigation within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-13 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-13 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
I disputed Account XXXX XXXX XXXXXXXX Acct # XXXX collections agency. and I was not satisfied with the results. 
I now respectfully ask for a Method of verification as to how I owe this company which I am entitled according to the FCRA 15 USC 1692g. I would like for you guys to do a proper investigation and provide the following...

: copy of my signature with this company : Name and address of whom you spoke to tie this debt to me : A breakdown of the procedure that was used to verify this info : Copy of ORIGINAL statement : Itemized breakdown of the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter serves as my formal notice regarding Equifaxs reinsertion of previously deleted fraudulent accounts into my credit file. This action constitutes a clear and ongoing violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ) ( 5 ). 
I initially disputed these accounts on XX/XX/year>. The fraudulent information was deleted and confirmed as removed in my XX/XX/year> credit report. However, Equifax has since reinserted these accounts without providing any of the legally required documentation, certification, or the mandated reinsertion notice under the FCRA. 
This reinsertion was not only unauthorized but also unlawful. 
Equifax has previously been sued and held accountable in court for these exact violations. Yet despite the lawsuits, judgments, and penalties imposed, your company continues to violate consumers rights by repeating these same noncompliant actions reinserting previously deleted, disputed items without following lawful procedures. 
This behavior shows a willful pattern of disregard for the law and consumer protections. As a result, I have suffered undue emotional distress, damage to my reputation, and continued financial harm. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation