vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the validity and reporting of an account that originated in XXXX. This debt is over XXXX XXXX XXXX and by law, it should no longer be reported on my credit report. Furthermore, I never authorized the transfer or sale of this account, and I was not notified of such actions. Any collection activity on this debt is not only inaccurate but unlawful under federal and state laws. They are also re-aging the debt ( illegally changing the delinquency date ) which is a serious violation.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the validity and reporting of an account that originated in XXXX. This debt is over XXXX XXXX XXXX and by law, it should no longer be reported on my credit report. Furthermore, I never authorized the transfer or sale of this account, and I was not notified of such actions. Any collection activity on this debt is not only inaccurate but unlawful under federal and state laws. They are also re-aging the debt ( illegally changing the delinquency date ) which is a serious violation.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Denied credit We also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. 
Described to me from 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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am unable to redeem my membership points online after my credit cards were cancelled by AMEX. In accordance with the terms, I should have 90 days to redeem my points from cancelation date and I tried to redeem them by transferring them to my airline partners but the customer service was unable to facilitate my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding is reporting a debt on my credit report that I do not recognize, and that I never received proper notice about. This account was allegedly purchased from another creditor, but I was never informed of the transfer, nor did I authorize or acknowledge this debt. Despite my numerous attempts to obtain validation, including sending certified dispute letters ( with proof of delivery ), LVNV Funding has failed to provide any documentation confirming that I owe this debt, or that I agreed to the termsincluding a signed contract. 

Rather than respond with proper validation, they have continued to report this account to the credit bureaus, negatively impacting my credit score and financial standing. Whats more, they have used intimidating language and made threats of legal action over a debt that remains unverified and potentially time-barred. 

This conduct is in violation of my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Reporting unverifiable information and using coercive tactics to collect on it is not only unethicalits unlawful. 

Attached you will find the account information associated with this dispute.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I am sending this complaint numerous times to inform you that I was a victim of identity theft. I am requesting the removal of the negative items from my file, but it seems like no one cares. I am now requesting again that Experian, Equifax, and TransUnion Credit Bureaus please remove the fraudulent items according to the law, as you are required to do. Please see the listed items below that need to be removed. 
XXXXXXXX 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 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 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 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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
Im filing a complaint regarding a used vehicle that was financed through XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in Louisiana in XX/XX/XXXX. At the time of purchase, I was XXXX XXXX XXXX. 

The vehicle, a XXXX XXXX XXXX, was purchased under a parents name as the primary borrower, with me listed as the co-buyer. The car has always been solely used and maintained by me. 

During the test drive, the car appeared to be in good condition and was sold as-is, with no issues disclosed. However, the check engine light came on immediately after driving it off the lot. I later discovered the vehicle had been serviced shortly before purchase at XXXX XXXX XXXX in XXXX, which suggests the dealership may have known about existing issues and failed to disclose them. 

As a XXXX with limited car-buying experience, I was unaware that I could have returned the vehicle or challenged the sale at that point. Having grown up around unreliable used vehicles, I believed I simply had to accept the situation and make it work. 

Since purchasing the car, it has repeatedly required major repairs. I have retained all receipts and documentation for these issues. The car was financed through Exeter Finance, a company that previously settled a XXXX lawsuit in Massachusetts over unfair and deceptive subprime auto lending practices. 

Due to financial strain caused by the vehicles condition and loan structure, I had to extend the contract XXXX times after being unable to make payments during certain months. These extensions significantly increased the overall interest paid and prolonged the loan beyond the original terms. 

Here is a financial summary : Amount financed : {$10000.00} Total paid to date : {$17000.00} Amount toward interest : {$11000.00} Amount toward principal : {$5900.00} Remaining balance : {$5000.00} Total projected cost : Over {$22000.00} for a vehicle that needed repairs from the start I believe this situation reflects a predatory interest rate, misleading or deceptive dealership practices, and an exploitative loan structure particularly toward a young and financially inexperienced buyer. 

Documentation such as the full loan contract, payment history, and repair receipts is available upon request.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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: AL

Complaint narrative:
15 U.S.C. 1692c, part of the Fair Debt Collection Practices Act ( FDCPA ), regulates communication between debt collectors and consumers during the collection process. Specifically, it addresses when and how debt collectors can contact individuals other than the consumer for debt collection purposes

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
15 U.S.C. 1692c, part of the Fair Debt Collection Practices Act ( FDCPA ), regulates communication between debt collectors and consumers during the collection process. Specifically, it addresses when and how debt collectors can contact individuals other than the consumer for debt collection purposes

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I discovered a fraudulent installment loan on my credit report from XXXX ( XXXX XXXX ), originally opened on XX/XX/XXXX. I was only XXXX XXXX XXXX at the time and could not have legally applied for, authorized, or been aware of this loan. This account was opened using my personal information without my knowledge or consent, and I have never had any relationship with XXXX. 

After discovering the account, I contacted XXXX and submitted a formal identity theft dispute, along with supporting documents, including my ID, an FTC Identity Theft Report, and a police report. Despite this, XXXX has not yet resolved the issue or provided the information I requested regarding the fraudulent account. I am requesting that this account be fully removed from my credit report and that XXXX be held accountable for failing to verify the identity of the person who opened it while I was a minor.

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:
ssn wrong on all three please fix asap ssn XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

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 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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: WA

Complaint narrative:
In XXXX my car insurance carrier, XXXX XXXX, advised me of a premium increase based upon a credit report provided to them by LexisNexis. I made multiple attempts to obtain said credit report from LexisNexis to no avail. 

XX/XX/year> at XXXX XXXX requested my credit report via LexisNexis website. Advised a letter with a URL address and PIN would be sent to facilitate a download of the credit report. 
XX/XX/year> Attempted to download my credit report via the LexisNexis website using the URL and pin provided via a letter dated XX/XX/year>. Unable to retrieve the credit report. 
XX/XX/year> at XXXXXXXX XXXX spoke with a customer service representative, XXXX. He advised he would request a hard copy of my credit report be mailed to me and it should take 7-10 days. 
XX/XX/year> I received a letter dated XX/XX/year> indicating they were unable to verify my identity and could not provide the requested credit report. Phoned the company and was on hold for 21 minutes before hanging up. 
XX/XX/year> at XXXXXXXX XXXX  spoke with customer representative XXXX. He indicated he saw the previous hard copy requested had been submitted but NOT sent. He indicated he would request it be mailed to me that day. 
XX/XX/year> I received another letter with a different URL and PIN number to access my credit report. At XXXXXXXX XXXX  I sent an email to customer service advising my inability to receive a copy of my credit report after multiple attempts. 
I received a letter dated XX/XX/year> providing a third URL and PIN number. 

To date I have not received a hard copy of my credit report.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX, I discovered several accounts reporting on my credit that I did not open. These include XXXX XXXX XXXX Bank of America, XXXX XXXX, and XXXX XXXX. I have submitted identity theft documentation, including an FTC Identity Theft Affidavit, a police report, and proof of my address. I also contacted each company directly and requested removal and investigation, but none have corrected the errors. 
These accounts were either opened without my knowledge, paid in full and closed ( such as XXXX XXXX in XXXX ), or flagged as fraud ( like Bank of America ), yet they are still showing as negative. I have disputed them through XXXX, but the situation has worsened. 
This is damaging my credit, and I am seeking immediate correction. I am requesting that these accounts be removed from my report entirely due to proven identity theft and misreporting.

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: Exeter Finance, LLC.
State: FL

Complaint narrative:
In XXXX, I discovered several accounts reporting on my credit that I did not open. These include XXXX XXXX XXXX XXXX  XXXX XXXX, Exeter Finance, and XXXX XXXX. I have submitted identity theft documentation, including an FTC Identity Theft Affidavit, a police report, and proof of my address. I also contacted each company directly and requested removal and investigation, but none have corrected the errors. 
These accounts were either opened without my knowledge, paid in full and closed ( such as XXXX XXXX in XXXX ), or flagged as fraud ( like XXXX  XXXX XXXX ), yet they are still showing as negative. I have disputed them through XXXX, but the situation has worsened. 
This is damaging my credit, and I am seeking immediate correction. I am requesting that these accounts be removed from my report entirely due to proven identity theft and misreporting.

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: MS

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. 



List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 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 2025-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am writing to bring to your immediate attention an issue that I consider both urgent and unacceptable. Upon reviewing my credit report, I discovered inaccurate information that does not belong there and does not reflect any actions or agreements I've made. 

Let me be absolutely clear : I did not authorize, initiate, or have any involvement in the account or inquiry in question. This entry is completely inaccurate, and I am formally disputing it under my rights granted by the Fair Credit Reporting Act ( FCRA ). You are legally required to investigate this dispute and verify the accuracy of the information and if it can not be 100 % verified with actual proof, it must be removed immediately.

Company response to consumer: Closed with non-monetary relief