vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: NY

Complaint narrative:
The credit reporting agency LEXISNEXIS is in direct violation of USC 1681 e ( b ) of the Fair Credit Reporting Act. Consumer Reporting Agencies are mandated to verify information to ensure accuracy and fairness. And I as a consumer have the right to dispute any inaccurate information with that Agency. The Agency is required to investigate and take steps to correct the error if necessary. On XX/XX/year> I contacted LEXISNEXIS about inaccurate Bankruptcy information being reported on my file. I spoke to a representative by the name of XXXX and asked how this Bankruptcy information was verified and I was told through PACER. I contacted PACER on XX/XX/year> through email to ask if they contact Credit Reporting Agencies such as LEXISNEXIS and received a response from XXXX stating that they do not contact Credit Reporting Agencies which means the information was obtained illegally. Not only was the Bankruptcy information obtained illegally by LEXISNEXIS, it was also inaccurate. The Bankruptcy information from XXXX states that I was represented by an attorney during my bankruptcy process, but on the LEXISNEXIS report their information states that I was not represented by an attorney which is false information. I proceeded to dispute both issues with LEXISNEXIS and requested that the Bankruptcy information be deleted from my file as it was obtained illegally and is inaccurate. I also requested an updated Consumer Report reflecting the deletion. On XX/XX/year> I sent an email to LEXISNEXIS to dispute how the Bankruptcy was verified and on XX/XX/year> I sent another email to dispute the inaccurate information. Its been over 30 days and I have not received a response to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: LA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-29 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: OH

Complaint narrative:
On XXXX XXXX & XXXX XXXX, I looked at my credit report, and noticed some inaccuracies. I sent a letter to Equifax asking them to investigate these accounts : XXXX XXXX XXXX. I sent letters certified mail & they did the investigation they sent back the information & said the accounts was verified. And according to the XXXX XXXX XXXX ( XXXX ) i see it states after any reinvestigation under paragraph ( XXXX ) of any information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and has violated my rights. I sent a report back on XXXX XXXX & I still haven't seen a change. I need this account deleted because it's not fair that a car company can report something false on your credit report ^ get away with it. I'm done trying make things right with this company. I need it deleted within XXXX or next step is contacting my lawyers.By law if a consumer ask for information thats bot accurate to be deleted by law it should be deleted IMMEDIATELY.Resolution : Please update and delete this account XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: MS

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-29 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:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US CXXXX XXXXB since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 explanation
Consumer complaint received 2025-05-29 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: NC

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me.

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-29 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
TRANSUNION MUST BLOCK ANS DELETE XXXX XXXX XXXX - XXXX XXXX FROM MY TRANSUNION CREDIT FILE. TRANSUNION IS USING MY CREDIT FILE IMPROPERLY AND WITHOUT MY CONSENT. IN XX/XX/XXXX I FILED COMPLAINT WITH CFPB BECAUSE TRANSUNION WAS ALLOWING XXXX XXXX XXXX - XXXX BALANCE- TO REPORT ON MY CREDIT FILE WITHOUT MY PERMISSION OR KNOWLEDGE OF A LEGAL ACCOUNT. TRANSUNION REMOVED ACCOUNTS FROM CREDIT FILE BUT ON XXXX XXXX TRANSUNION ALLOWED A BREACH OF MY SECURITY AND IDENTITY WHEN THEY ALLOWED XXXX TO ACCESS MY CREDIT FILE AND ONCE AGAIN REPORTED AN ACCOUNT EVEN AFTER MY DISPUTES, ID THEFT REPORT, AND COMPLAINING TO THE CFPB!! MY INFORMATION WAS COMPROMISED IN THE XXXX XXXX XXXX. SINCE THEN I HAVE HAD ACCOUNTS APPEAR ON MY TRANSUNION CREDIT FILE WHICH I DID NOT GIVE PERMISSION TO TRANSUNION OR ACCOUNT HOLDERS TO APPEAR ON MY FILE OR HAVE ACCESS TO MY PERSONAL INFORMATION. TRANSUNION HAS REFUSED TO BLOCK THIS ITEM THAT I HAD REQUESTED TO BLOCK ON MULTIPLE OCCASIONS. I HAVE SENT TRANSUNION ALL SUPPORTING DOCUMENTATION BUT TRANSUNION IS MAKING DECISIONS ABOUT MY PERSONAL CREDIT FILE THAT I DO NOT CONSENT TO BY ALLOWING THESE COMPANIES TO KEEP REPORTING EVEN AFTER I REQUESTED ALL REPORTING CEASE BECAUSE OF IDENTITY THEFT. THE FOLLOWING ACCOUNT I AM NOT LIABLE FOR AND NEVER GAVE PERMISSION TO FURNISH THIS ACCOUNT WITH CREDITOR OR TRANSUNION XXXX XXXX XXXX - XXXX XXXX AS IT APPEARS ON MY TRANSUNION CREDIT REPORT PLEASE BLOCK THIS ITEM AND ANY ACCOUNT AFFLIATED WITH THIS ACCOUNT HOLDER. I DID NOT GIVE PERMSSION TO ACCOUNT HOLDER TO FURNISH ACCOUNT OR ACCESS TRANSUNION CREDIT MY INFORMATION WAS COMPROMISED IN THE I HAVE SENT TRANSUNION ALL SUPPORTING DOCUMENTATION .THE FOLLOWING ACCOUNT I AM NOT LIABLE FOR AND NEVER GAVE PERMISSION TO FURNISH THIS ACCOUNT WITH CREDITOR OR XXXX XXXX XXXX XXXX AS IT APPEARS ON TRANSUNION CREDIT REPORT PLEASE BLOCK THIS ITEM AND ANY ACCOUNT AFFLIATED WITH THIS ACCOUNT HOLDER. I DID NOT GIVE PERMSSION TO ACCOUNT HOLDER TO FURNISH ACCOUNT OR ACCESS TRANSUNION CREDIT FILE. TRANSUNION HAS ALSO DENIED MY MULTIPLE REQUESTS FOR A METHOD OF VERIFICATION FOR THIS ITEM AND HAS ALSO DENIED MY MULTIPLE REQUESTS FOR A METHOD OF VERIFICATION FOR THIS ITEM PLEASE REMOVE AND BLOCK ITEM

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 2025-05-29 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: NJ

Complaint narrative:
I am submitting this formal follow-up complaint to dispute the continued reporting of XXXX charge-off accounts appearing on my TransUnion credit report : XXXXXXXX XXXX XXXXXXXX ( Account No . ending in XXXX ), dated XX/XX/XXXX for {$8000.00} ; XXXX ( Account No. ending in XXXX ), dated XX/XX/XXXX for {$9800.00} ; and XXXX XXXX ( Account No. ending in XXXX ), dated XX/XX/XXXX for {$3600.00}. Despite previous efforts to address these inaccuracies, these derogatory items remain on my report without proper verification or documentation supporting their validity. I am deeply concerned that TransUnion has failed to conduct a legally compliant reinvestigation, as required under the Fair Credit Reporting Act. 

According to 15 U.S.C. 1681i, consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes any item of information. Additionally, per 15 U.S.C. 1681e ( b ), agencies are required to maintain maximum possible accuracy. TransUnion has failed to fulfill these obligations by continuing to report data that is either unverifiable or may have originated from an erroneous association or a data compromise. These accounts have caused considerable damage to my credit profile and emotional distress due to their persistent appearance and lack of substantiated backing.

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 2025-05-29 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: Westlake Services, LLC
State: NJ

Complaint narrative:
I have disputed this inquiry a few times with the company. Each time I am told to contact the credit bureau. The credit bureau then tells me to contact the company. After multiple attempts to resolve, the inquiry is not being removed. I did NOT authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXX XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXX XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-05-29 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: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-05-29 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX XXXX XXXXXXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 explanation