vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: IL

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 2025-05-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: SD

Complaint narrative:
Tried to make a purchase of XXXX with card I would not go through tried at another place for XXXX something. Gift card has XXXX XXXX on it and I checked before purchase. Both times happened on XX/XX/year>

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-07 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: FL

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

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously filed a dispute with Equifax concerning negative accounts that I believe were reporting inaccurate and incomplete information. After their reinvestigation, I was told that the accounts had been verified as accuratebut the same disputed information continues to appear on my credit reports, without any updates or corrections. This outcome is unacceptable. I have the right under the Fair Credit Reporting Act ( FCRA ) to understand how the bureaus determined that this information is accurate and complete. I am specifically requesting a description of the procedures used during the reinvestigation of my dispute. The full details of my request are explained in the letter attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-07 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: GA

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-05-07 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: Synovus Bank
State: TX

Complaint narrative:
This is one of many accounts on my credit profile that was opened without my consent, I was recently released from XXXX. I have/had no knowledge of this 1st PROGRESS account opened on XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX Email : XXXX PH. # XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Regarding Lexis-Nexis : Failure to Address Consumer Report Errors and Block XXXX-Related Items Dear Consumer Financial Protection Bureau , I am filing this complaint against Lexis-Nexis for their failure to address multiple inaccuracies on my consumer report and their lack of compliance with federal laws protecting victims of human XXXX.

For several months, I have contacted Lexis-Nexis to dispute incorrect information in my consumer report, including : Incorrect addresses listed under my name Misspelled versions of my name Inquiries that I believe should be blocked as they are the result of my status as a human XXXX  victim Despite my repeated efforts, I have not received any resolution or meaningful response from Lexis-Nexis. I have made numerous phone calls to their customer service department with no calls returned. Additionally, I sent an email detailing the errors and requesting that the items related to my XXXX  experience be blocked as required by law, but I have not received any response. 
Under the federal National Defense Authorization Act for Fiscal Year XXXX ( NDAA ), specifically Section 6102 of the Debt Bondage Repair Act ( 15 U.S. Code 1681c3 ), consumer reporting agencies are required to block adverse information on a victims consumer report that resulted from XXXX XXXX within four business days of receiving a victims request and supporting documentation. I provided the necessary information to Lexis-Nexis, yet they have failed to comply with this legal obligation. 
Lexis Nexis 's inaction has caused me significant distress, as these inaccuracies and unblocked items negatively affect my ability to rebuild my life and secure financial stability. 
I request that the CFPB investigate Lexis Nexis 's failure to : 1. Respond to my disputes and communications in a timely manner.

2. Correct the inaccurate information in my consumer report.

3. Block the inquiries and other adverse items resulting from my XXXX  experience, as required by federal law. 
I appreciate your attention to this matter and look forward to your assistance in ensuring Lexis-Nexis complies with the law and fulfills its obligations to protect consumers like me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Account AFFIRM INC # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
This is my second complaint with the CFPB regarding the same unresolved issue. 

I have submitted multiple disputes concerning the accounts with XXXX XXXX XXXX XXXX XXXX. While XXXX and XXXX  have reviewed and removed these accounts from my credit reports, Experian continues to report them without providing the legally required documentation. 

Despite repeated attempts to resolve this, Experian has not provided any investigation report, written explanation, or summary of how the disputes were handled, as required under the Fair Credit Reporting Act ( FCRA ). 

As a fair resolution, I respectfully request that Experian provide full investigation reports for each dispute, including the sources used to verify the information and any communication with the original creditors or data furnishers. If Experian can not substantiate the accuracy of these accounts with documented evidence, I request that these accounts be permanently deleted from my Experian credit report and that I be provided with confirmation in writing.

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 2025-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Account Type : Collection Balance Reported : {$10000.00} Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX  Estimated Removal : XX/XX/XXXX I have disputed this account already and have not received a resolution. If National Credit Systems has not verified this debt properly, it must be deleted.

Provide proof of Certified Mail delivery of any dispute notice, or I will consider this debt unverifiable. If not removed, I will escalate the matter to the FTC, Texas Attorney General, and pursue legal action for violations of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
The company NelNet did not have the correct contact information in regards to my federal student loans. They never mailed me a letter saying that the forbearance on the account has ended. Never mailed me a letter saying that payments on my account have started. Never mailed me to inform me that my account was delinquent. I only found out after checking my credit score and noticing a XXXX XXXX from 8 missed payments on 4 different loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not know my student loan payments were set to resume and they had the wrong contact information like email and phone number, but they did have the correct address. My account was than transferred to XXXX. I called NelNet to try to get the " late payments '' removed from my account but said they could not do so. How am I suppose to make a payment to a company that I didn't even have an account set up for if they never reached out and contacted me about it?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Subject : Formal Complaint Against Experian for FCRA Violations Unauthorized Inquiries Dear Sir or Madam : I am writing to submit a formal complaint against the credit reporting agency Experian for its failure to comply with the procedures outlined in the Fair Credit Reporting Act ( FCRA ) regarding the resolution of disputes about unauthorized inquiries on my credit report. 

On [ date of first dispute ], I submitted a dispute to Experian requesting the removal of several inquiries I consider unauthorized, as they do not meet the permissible purpose standard under Section 604 ( 15 U.S.C. 1681b ) of the FCRA. Later, on [ date of second dispute ], I submitted a second request after receiving no adequate response. To date, Experian has not provided any proof of having conducted a proper investigation or corrected the information in my file. 

The unauthorized inquiries in question are as follows : - XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX These entities did not have my permission to access my credit report and were not engaged in any contractual relationship with me that would justify such access under the law. 

Experians failure to act constitutes violations of the following FCRA provisions : 1. Section 611 ( 15 U.S.C. 1681i ) : No timely or reasonable investigation was conducted within the 30-day legal period.

2. Section 609 ( 15 U.S.C. 1681g ) : I was not provided full access to the information under investigation or the results of that investigation.

3. Section 604 ( 15 U.S.C. 1681b ) : These inquiries do not meet the legal requirements for permissible access to a consumer credit report. 

Attached to this complaint : - Copies of my previous dispute letters - A copy of my identification - A copy of my credit report with the disputed inquiries highlighted I am formally requesting that the CFPB and FTC order Experian to immediately remove the unauthorized hard inquiries listed above from my credit file. These inquiries are in clear violation of federal law and must be removed without further delay. Experian must also provide written confirmation that the deletions have been completed. 

Thank you for your attention. 

Sincerely, 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 2025-05-07 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: SC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NY

Complaint narrative:
This company is clearly violating my consumer rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-05-07 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: NJ

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 non-monetary relief
Consumer complaint received 2025-05-07 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I reported incorrect information on my report and Experian told me the incorrect information information on my report will stay on there. And it will not be removed.

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 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
Account CKS PRIME INVESTMENTS , XXXX XXXX XXXX I'm unaware of this debit and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail receipt displaying my signature. If not please delete account XXXX as soon as possible from my report or i will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a certified dispute to Experian regarding the XXXX XXXX tradeline on my credit report. I included my drivers license, utility bill, and tax return to confirm identity. Despite this, Experian rejected the dispute on XX/XX/XXXX, claiming it may not have come from me. I escalated the issue to the CFPB, which resulted in Experian initiating a reinvestigation. 

On XX/XX/XXXX, Experian notified me that my dispute was completed via email, but I have not received any physical mail regarding the outcome or verification method despite explicitly requesting such documentation under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Their online dispute update listed the following verification source : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX However, my research shows that XXXX XXXX ( also known as XXXX XXXX ) has not been employed by XXXX XXXX since XXXX, and at that time was only a contract consultant. She could not have served as a legitimate verification source for a tradeline that originated well after her departure. 

Experian has failed to provide any documentation to justify this verification and has not responded by mail. This constitutes a violation of the FCRAs reinvestigation and verification provisions and leaves an unsubstantiated derogatory tradeline on my credit report. 

I am requesting immediate deletion of the XXXX XXXX tradeline from my Experian credit report due to Experians failure to verify the information properly, its reliance on outdated or false contact information, and its noncompliance with FCRA disclosure obligations.

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 2025-05-07 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: OneMain Finance Corporation
State: KS

Complaint narrative:
On XX/XX/year> I received an email from XXXX  ( with whom I had a membership ) that I had personal loans and credit cards I may qualify for. I logged into my XXXX  account and clicked on the notification for personal loans. The website had the following statement : No Ding Decline : Apply with Confidence. No impact to your credit scores unless your application is approved. I received a list of loan offers from OneMain Financial, and selected one to apply for. It had me submit my personal information and a copy of the front and back of my drivers license, and took me to a OneMain Financial dashboard that said my documents were being reviewed. Shortly thereafter I received a phone call from XXXX with OneMain Financial, who indicated that I could not be approved for the loan I applied for without eligible collateral, which I do not have. As such, he stated my application was denied. I asked him about the hard inquiry, as I got notice that one had been initiated and I wanted to make sure it was removed so it wouldnt impact my credit. He transferred me to their credit reporting department who said they couldnt assist since the statement was from XXXX. I then called XXXX  directly since the No Ding Decline statement was on their site. I spoke with several individuals, and was told there was nothing they could do, even though the statement was on their own site. My OneMain Financial application, which I was provided directly through my XXXX  account, was not approved. As such, per the policy, the hard inquiry needs to be removed for this application. This is fraudulent and misleading to me, the consumer, if the inquiry is not removed, as I would not have proceeded with any application if there was the risk of it impacting my credit score if not approved. If XXXX  and OneMain Financial are misleading consumers with these statements, that needs to be fully investigated.

Company response to consumer: Closed with explanation