vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
CFPB MY FCRA RIGHTS HAVE BEEN VIOLATED BY TRANSUNION, EQUIFAX, EXPERIAN XXXX XXXX Current XXXX XXXX XXXX XXXX IL XXXX XXXX Last four of social XXXX Date of birth : XX/XX/XXXX Email : XXXX BELOW TRANSUNION, EQUIFAX XXXX EXPERIAN ALL THIRD PARTIES LISTED BELOW NEED TO BE DELETED Company or Organization : XXXX XXXX  XXXX ( XXXX XXXX ) XX/XX/XXXX, ACCT # XXXX {$160.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX ACCT XXXX XXXX {$2500.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCT # XXXX {$2400.00}, XXXX  XXXX XXXX  XX/XX/XXXX ACCT # XXXX {$1100.00}, XXXX XXXXXX/XX/XXXX ACCT # XXXX {$240.00}, XXXX XX/XX/XXXX ACCT XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX VIA DEALER XX/XX/XXXX, XXXX XXXX VIA DEALER XX/XX/XXXX, XXXX XXXX VIA DEALER XX/XX/XXXX, FACTUAL DATA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.Account name DELETE ALL NON ACCOUNT HOLDING INQUIRIES ( FRAUD )

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 2025-03-17 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: LEXISNEXIS
State: AZ

Complaint narrative:
**Subject : ** Complaint Regarding Inaccurate Bankruptcy Information Reported by LexisNexis To Whom It May Concern, I am writing to formally file a complaint regarding significant inaccuracies in the bankruptcy information reported by LexisNexis XXXX The errors have caused undue harm to my financial reputation and have propagated inconsistencies across multiple credit reporting agencies. Despite my efforts to resolve these issues directly with LexisNexis, the errors persist. 

The specific issues are as follows : XXXX. XXXX XXXX ( XX/XX/year> ) ** - LexisNexis has provided inaccurate information to XXXX XXXX XXXX XXXX and XXXX. The reported Case Number ( # XXXX ) does not match official court records. Additionally : - XXXX states the status as " XXXX XXXX, '' while XXXX and XXXX leave the status blank. 
- The " Date Paid '' field for XXXX is reported as " XX/XX/year>, '' which is not applicable. 
- The " Responsibility '' field varies : XXXX lists it as " Not Reported, '' XXXX leaves it blank, and XXXX XXXX " XXXX XXXX Account. '' XXXX. **Invalid Reporting from the XXXX  XXXX - The public record information provided by LexisNexis falsely claims to have been verified by the bankruptcy court. However, upon contacting the court directly, I was informed that they do not correspond with LexisNexis or any credit reporting agencies. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of consumer information [ Section 609 ( a ) ( 1 ) ].

3. **Propagation of Errors Across Credit Reporting Agencies** - Due to the inaccuracies reported by LexisNexis, all three credit reporting agenciesXXXXXXXX, XXXX, and XXXXcontain conflicting information regarding the bankruptcy. This demonstrates negligence in ensuring the accuracy and completeness of consumer data as required by the FCRA. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and provide a resolution timeline. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-03-17 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 filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Equifax consistently responds within 24 hours, stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Okay, incorporating that detail strengthens your case. Here 's the revised version : Subject : Dispute Regarding Incorrect Delinquency Reporting, Unprofessional Customer Service, and Violation of Company Policy On XX/XX/XXXX, I contacted the company regarding a significant and incorrect delinquency report on my credit file. The report indicated an XXXX delinquency on a student loan account. 

The issue stems from an incorrect classification of my student loan status. I am currently enrolled in a doctoral program at XXXX  XXXX XXXX, with continuous enrollment since XX/XX/XXXX. This enrollment status qualifies my student loan for deferment. 

During the call, I informed the representative of my current enrollment status and offered to provide supporting documentation. The representative stated that I had been " deferred for too long, '' which is inaccurate. I requested to speak with a manager to resolve the issue. The representative initially stated no managers were available. After a 30-minute hold, the representative returned, again stating no manager was available.

Furthermore, the representative attempted to provoke me into abusive or harassing behavior. I stated that I was aware that representatives are not permitted to terminate calls. The representative confirmed this policy. Despite this, and my continued requests to speak with a manager and my insistence on waiting, the representative deliberately terminated the call.

This call involved a refusal to acknowledge my valid deferment status, a denial of access to management, a deliberate attempt to provoke me, a confirmation of the " no hang up '' policy, and a direct violation of that policy. The incorrect delinquency report, which has caused a substantial decrease in my credit score of XXXX points, is a direct result of the company 's inaccurate reporting. I have documentation, including an official enrollment verification letter dated XX/XX/XXXX, to prove my current student status. 

I am requesting an immediate investigation into this matter, the removal of the incorrect delinquency report, a formal response regarding the unprofessional conduct of the representative, and an explanation of the violation of the company 's " no hang up '' policy. I expect a prompt correction of my credit file and a thorough resolution to the customer service and policy violation issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of informatio
n from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-03-17 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: OR

Complaint narrative:
This letter serves as my final and definitive communication to your noncompliant organization before I initiate legal proceedings against all responsible parties. Let me remind you that threatening legal action without intent to follow through constitutes a serious offense. Rest assured, I fully intend to protect my rights as a consumer and will proceed accordingly if this matter is not resolved promptly. 
I have repeatedly contacted your company, submitting numerous formal requests for an investigation into a series of inquiries that I firmly believe have been reported erroneously. Your continued failure to respond or take action constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ). This negligence is unacceptable and will not be tolerated. 
However, in the interest of resolving this matter without escalating to litigation, I am providing one final opportunity to address my concerns. I have made several attempts to directly contact the companies responsible for these inquiries using the contact information listed on my credit report. However, my efforts have been met with the following obstacles : A significant number of the listed phone numbers are incorrect or invalid.

For the companies I was able to reach, none have any record of my existence within their systems.

If these entities lack records of me, it raises a critical question : What permissible business purpose could they possibly have to access my credit file? 



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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
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 TILA US Code 1666B 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
National Credit System has failed to follow the law. Despite filing a dispute about them going against the law for a dismissed money case, they are still. Trying to collect money from me. If this issue is not resolved by taking this false lie off my account, I will be going to the court house and filing a lawsuit against them for trying to collect money for a case that was dismissed in XXXX and XXXX put the charge on my account in XXXX. I have attached the only evidence absolving me, the judges money order dismissal document obtained from the court house. And get my pronouns right XXXX. I am a Ms , not a Mr. respectfully acknowledge my birth gender. Your last response goes against my birth gender and with a pronoun I do not identify with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX  Complaint Regarding Inaccurate Bankruptcy Information Reported by XXXX To Whom It May Concern, I am writing to formally file a complaint regarding significant inaccuracies in the bankruptcy information reported by XXXX XXXX The errors have caused undue harm to my financial reputation and have propagated inconsistencies across multiple credit reporting agencies. Despite my efforts to resolve these issues directly with XXXX, the errors persist. 

The specific issues are as follows : 1. **Bankruptcy Filing ( XX/XX/year> ) ** - XXXX has provided inaccurate information to XXXX XXXX XXXX XXXX and Experian. The reported Case Number ( # XXXX ) does not match official court records. Additionally : - XXXX states the status as " Discharged XXXX, '' while XXXX and Experian leave the status blank. 
- The " Date Paid '' field for XXXX is reported as " XX/XX/year>, '' which is not applicable. 
- The " Responsibility '' field varies : XXXX lists it as " Not Reported, '' XXXX leaves it blank, and Experian states " Co-Maker Joint Account. '' XXXX. **Invalid Reporting from the Bankruptcy Court** - The public record information provided by XXXX falsely claims to have been verified by the bankruptcy court. However, upon contacting the court directly, I was informed that they do not correspond with XXXX or any credit reporting agencies. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of consumer information [ Section 609 ( a ) ( 1 ) ]. 

XXXX. **Propagation of Errors Across Credit Reporting Agencies** - Due to the inaccuracies reported by XXXX, all three credit reporting agenciesEquifax, XXXX, and XXXX conflicting information regarding the bankruptcy. This demonstrates negligence in ensuring the accuracy and completeness of consumer data as required by the FCRA. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and provide a resolution timeline. 

Sincerely, 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 2025-03-17 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: AZ

Complaint narrative:
**Subject : ** Complaint Regarding Inaccurate Bankruptcy Information Reported by XXXX XXXX Whom It May Concern, I am writing to formally file a complaint regarding significant inaccuracies in the bankruptcy information reported by XXXX XXXX The errors have caused undue harm to my financial reputation and have propagated inconsistencies across multiple credit reporting agencies. Despite my efforts to resolve these issues directly with XXXX, the errors persist. 

The specific issues are as follows : 1. **Bankruptcy Filing ( XX/XX/year> ) ** - XXXX has provided inaccurate information to Equifax XXXX XXXX XXXX and XXXX. The reported Case Number ( # XXXX ) does not match official court records. Additionally : - Equifax states the status as " Discharged XXXX, '' while XXXX and XXXX leave the status blank. 
- The " Date Paid '' field for XXXX is reported as " XX/XX/year>, '' which is not applicable. 
- The " Responsibility '' field varies : Equifax lists it as " Not Reported, '' XXXX leaves it blank, and XXXX states " Co-Maker Joint Account. '' XXXX. **Invalid Reporting from the Bankruptcy Court** - The public record information provided by XXXX falsely claims to have been verified by the bankruptcy court. However, upon contacting the court directly, I was informed that they do not correspond with XXXX or any credit reporting agencies. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of consumer information [ Section 609 ( a ) ( 1 ) ]. 

XXXX. **Propagation of Errors Across Credit Reporting Agencies** - Due to the inaccuracies reported by XXXX, all three credit reporting agenciesEquifax, XXXX, and XXXXcontain conflicting information regarding the bankruptcy. This demonstrates negligence in ensuring the accuracy and completeness of consumer data as required by the FCRA. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and provide a resolution timeline. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 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 XXXXXX/XX/year> In line with the Fair Credit Reporting Act ( FCRA ) , I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.

Company response to consumer: Closed with explanation