vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
i have been living a real nightmare ever since i was a victim of identity theft, i reviewed my credit report and found some things in there that are not mine and that are damaging my credit so bad that i am not even able to use it right now. This is a very delicate situation which needs to be fixed by Transunion immediately so i can stay on top of my credit life and that way i can use the way i need to. This is a very stressful problem and i am now beggin you to adress it. These are the items mentioned : XXXX XXXX - Credit card, opened in XXXX. The following inquiries are also part of the fraud : XXXX XXXX, Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. XXXX XXXX XXXX, Inquired on XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I was the victim of insurance fraud involving a company that now appears to be out of business. The amount in question is {$3000.00}. I have made repeated efforts to resolve the matter both through the merchant and my credit card company. The original transaction occurred in XX/XX/year>, and I have been actively working to resolve this issue for over XXXX months.

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 2025-07-02 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: IL

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 2025-07-02 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: IL

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 2025-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to formally file a complaint against Midland Credit Management ( MCM ) regarding their reporting of a debt on my credit report allegedly originating from a XXXX XXXX XXXX XXXX XXXX account. Despite my lawful request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), Midland Credit Management has failed to provide sufficient documentation to validate the alleged debt. 
Specifically, I requested the following items as part of my debt validation demand : A complete chain of assignment documenting all transfers of ownership from the original creditor XXXX XXXX XXXX XXXX XXXX to Midland Credit Management XXXX 
A copy of the Forward Flow Agreement or other purchase agreement between Midland and the previous owner to substantiate their legal right to collect this debt.

Account-level documentation, including statements or signed agreements, showing I owe the alleged amount and how the balance was calculated. 
To date, Midland has not provided these documents. Instead, I received insufficient documentation that does not prove the legitimacy of the debt or that they have the legal standing to collect or report it. Reporting unverifiable or inaccurate information on a consumers credit report is a violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Lennar Financial Services, LLC
State: CA

Complaint narrative:
In XX/XX/year>, I entered into a purchase agreement with Lennar XXXX and applied for a mortgage through Lennar Mortgage to buy a new home. I was told by their representatives that I was prequalified and that we were on track to close by the end of XXXX. 

Later, I was informed that I could not proceed with that home and would need to switch to a different property expected to be completed in XXXX. I agreed and remained in contract based on repeated assurances that my loan was approved and fully greenlit. I was told we would receive keys in XXXX. 

Based on those promises, I waited months and purchased furniture in preparation for the move. However, just days before the scheduled closing, I was suddenly informed that the loan had been denied by underwriting with no further explanation. These concerns should have been addressed during the initial prequalification phase in XXXX. 

I then signed a cancellation and release agreement on XX/XX/year>, to receive my refund deposit. Lennar signed it on XX/XX/year>. The agreement states that my full {$10000.00} deposit would be refunded within 90 days. As of today, it has been over 60 days and I have still not received a check, a tracking number, or any confirmation of issuance despite multiple written requests and follow-ups with the company. 

The most recent reply I received from a Lennar representative was vague and unhelpful. I was told only that they would talk to accounting and that the refund can take up to 90 days, with no firm update or commitment, proving that they have not sent the check and continue to provide lack of communication and service. I still do not know when or if my refund is being processed. This experience has caused financial hardship and significant emotional stress. I feel I was misled throughout the entire process, and now my refund is being delayed with no clear resolution.

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 2025-07-02 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: TX

Complaint narrative:
I am submitting this complaint to dispute outdated and inaccurate address information currently being reported on my Experian credit file. The address in XXXX XXXX XXXX, XXXX XXXX, TX XXXX, with a reported date of XXXX XXXX longer reflects where I live and should not be associated with my credit profile. My current and only legal residence is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

I have not lived at the XXXX XXXX address for some time, and I have updated my information through proper channels to reflect my current address. Despite these efforts, Experian continues to display the old address on my report, which is causing confusion, interfering with identity verification, and potentially compromising my credit opportunities. This is especially troubling given that I have submitted accurate and up-to-date address documentation and made every effort to ensure that my records are clean. 

As someone who takes their financial profile seriously and works diligently to ensure that my credit reports are current and accurate, I find it incredibly frustrating to encounter issues that could easily be resolved through proper review. This is not just a clerical errorit affects how lenders, landlords, and other entities view my identity and creditworthiness. I should not be held back by a report that reflects outdated and irrelevant information. 
Under the Fair Credit Reporting Act ( FCRA ), Experian is required under 15 U.S.C. 1681e ( b ) to ensure the maximum possible accuracy of consumer data. Furthermore, once Ive submitted a dispute, Experian is obligated under 15 U.S.C. 1681i to conduct a reasonable investigation and remove any unverifiable or outdated data. The continued presence of this incorrect address violates these provisions and unfairly misrepresents my current personal information.

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 2025-07-02 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: MN

Complaint narrative:
I'm writing to formally dispute a credit inquiry that has appeared on my credit report. I want to make this absolutely clear : I did not authorize this inquiry, and there was no permissible purpose under the Fair Credit Reporting Act ( FCRA ) for it to be made. 

I never gave this company or organization permission to access my credit file. There was no application, no transaction, no account relationship nothing that would justify this inquiry being there. The FCRA strictly limits who can pull a consumers credit report, and under what conditions. This inquiry does not meet those conditions, which makes it unauthorized and a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
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 2025-07-03 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: OH

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported XXXX  payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-02 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LEXISNEXIS
State: TX

Complaint narrative:
I placed a security freeze on my LexisNexis consumer file in XX/XX/XXXX. Despite this, LexisNexis allowed access to my frozen data, which directly resulted in a denial of a bank account. I received a denial letter from XXXX dated XX/XX/XXXX, which referenced issues that stem from LexisNexiseither identity verification or information they provided to a third party. This access occurred well after my freeze was in place. I did not lift the freeze or authorize the release of any information. This appears to be a direct violation of the Fair Credit Reporting Act ( FCRA ), which prohibits consumer reporting agencies from releasing frozen data without the consumers explicit consent. I request that the CFPB investigate LexisNexis for this unauthorized disclosure and take appropriate enforcement action. I can provide supporting documentation upon request, including a copy of the freeze confirmation and denial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I've recently recieved a copy of my credit report and noticed several inaccurancies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I've recently recieved a copy of my credit report and noticed several inaccurancies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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