vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XX/XX/year> Equifax Legal XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my right under the fair credit report act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: MI

Complaint narrative:
My credit report contains inaccurate and negative information, including unauthorized accounts and inquiries, employer entries, and outdated addresses. These errors violate the FCRA ( 607 ( b ), 611 ), which requires accuracy and proper reinvestigation. Despite prior disputes, they remain on my file and harm my credit standing. I request that the CFPB ensure credit bureaus and furnishers promptly remove all inaccurate items and inquiries, correct or delete erroneous personal details, and maintain only accurate, verifiable, and current information on my credit report.

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 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Credit Report Dispute XXXX XXXX Dear CFPB, I am writing to dispute inaccurate and inconsistent information on my credit report from XXXX XXXX, which is reported to TransUnion, Experian, and Equifax. The details are as follows : Account Name : XXXX XXXX Reported Balance : {$310.00} TransUnion : Open XX/XX/XXXX, Activated XX/XX/XXXX, Closed, Payment Status : Collection / Charge-off, Creditor Remark : Placed for collection Experian : Open XX/XX/XXXX, Activated XX/XX/XXXX, Closed, Payment Status : Collection / Charge-off, Creditor Remark : Seriously past due/ assigned to attorney / collection agency XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX Activated XX/XX/XXXX, Open, Payment Status : 120 days late, Creditor Remark : Collection account I believe this information is inaccurate and inconsistent, particularly with account open/activation dates, account status, and payment reporting. Under the Fair Credit Reporting Act ( FCRA ), I request that the bureaus investigate this account and provide written confirmation of their findings. If the account can not be verified accurately, it must be corrected or removed from my credit report. 

Please respond in writing within the legally required timeframe. I have included a copy of my credit report highlighting the account in question. 

Thank you for your prompt attention. 

Sincerely,

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 2025-12-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
These imbeciles took XXXX dollars poor innocent pockets, now leaving me impoverished to mourn the loss of my past riches. I can neither use this card anywhere nor can I put the card into XXXX XXXX store despite the fact that the vanilla gift websites states that said card is active with my precious XXXX dollars. And this card can not be used in even a place as lowly as a XXXX XXXX leaving the card declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: AL

Complaint narrative:
b'I am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Under the Fair Credit Reporting Act (FCRA), please verify all information and remove any item that cannot be fully validated.\nCharged Off Accounts:XXXX  XXXX XXXX   Opened: XXXX  Balance: $XXXXXXXXXXXX XXXX XXXX   Opened: XXXX  Balance: $XXXXXXXXXXXX XXXX XXXX   Opened: XXXX  Balance: $XXXX XXXX XXXX XXXX  Opened: XXXX  Balance: $XXXXXXXXXXXX XXXX  Opened: XXXX  Balance: $XXXX XXXX XXXX  Opened: XXXX  Balance: $XXXX XXXX  Opened: XXXX  Balance: $XXXX\n\nInquiries:\n\n(No inquiries listed)\n\nLate Payments:XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: PA

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-02 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: PA

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted several separate requests to investigate incorrect information on my credit report and Experian violated my rights under the FCRA by ignoring these disputes

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 2025-12-02 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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 youhave 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.

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 2025-12-02 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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 youhave 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: LEXISNEXIS
State: GA

Complaint narrative:
In XX/XX/year>, I disputed a bankruptcy record that LexisNexis is reporting in my consumer file because it is inaccurate and unverifiable. On XX/XX/year>, I submitted a written Method of Verification ( MOV ) request asking LexisNexis to identify the furnisher of the information, provide the name, address, and phone number of that furnisher, supply all documents used to verify the record, and explain the verification method as required under the FCRA. 

LexisNexis did not provide this information. Instead, they sent me a generic description of procedures letter that did not answer my MOV request and did not identify any furnisher. Their letter referenced XXXX as an example source, but XXXX is not a data furnisher and does not verify consumer information. This response did not meet the requirements of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) or 611 ( a ) ( 7 ). 

I then sent a follow-up non-compliance notice giving LexisNexis additional time to provide the required information. They did not respond at all. As of today, LexisNexis has refused to provide the Method of Verification, has not identified any furnisher, and is still reporting the bankruptcy record. 

LexisNexis is failing to conduct a lawful reinvestigation, failing to provide the legally required MOV, and continuing to publish a bankruptcy record without a permissible purpose or a verifiable furnisher. I am requesting CFPB assistance to require LexisNexis to comply with the FCRA, provide the required information, or delete the unverifiable record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
I am the victim of identity theft and have an official Identity Theft Report filed with the FTC. Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from this identity theft within 4 business days.

FCRA Section 605B to block fraudulent accounts within 4 business days The following account ( s ) are fraudulent and unauthorized : XXXX {$14000.00} XXXX XXXX  {$780.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$16000.00} Employment : XXXX XXXX Since this account resulted from identity theft, your failure to remove or block it is a violation of the FCRA Sections 605B, 1681i, and 1681e ( b ). If you fail to comply, I will escalate this issue with the CFPB, the Attorney General, and consider legal action for willful noncompliance under 15 U.S.C. 1681n.

This is my final attempt to let the credit bureaus correct the action that I have been trying to for three months before I have to file a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
I am the victim of identity theft and have an official Identity Theft Report filed with the FTC. Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from this identity theft within 4 business days.

FCRA Section 605B to block fraudulent accounts within 4 business days The following account ( s ) are fraudulent and unauthorized : XXXX {$14000.00} XXXX card {$780.00} XXXX XXXX XXXX  {$18000.00} XXXX XXXX XXXX XXXX {$16000.00} Employment : XXXX XXXX Since this account resulted from identity theft, your failure to remove or block it is a violation of the FCRA Sections 605B, 1681i, and 1681e ( b ). If you fail to comply, I will escalate this issue with the CFPB, the Attorney General, and consider legal action for willful noncompliance under 15 U.S.C. 1681n.

This is my final attempt to let the credit bureaus correct the action that I have been trying to for three months before I have to file a lawsuit

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 2025-12-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am the victim of identity theft and have an official Identity Theft Report filed with the FTC. Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from this identity theft within 4 business days.

FCRA Section 605B to block fraudulent accounts within 4 business days The following account ( s ) are fraudulent and unauthorized : XXXX {$14000.00} XXXX XXXX  {$780.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$16000.00} Employment : XXXX XXXX Since this account resulted from identity theft, your failure to remove or block it is a violation of the FCRA Sections 605B, 1681i, and 1681e ( b ). If you fail to comply, I will escalate this issue with the CFPB, the Attorney General, and consider legal action for willful noncompliance under 15 U.S.C. 1681n.

This is my final attempt to let the credit bureaus correct the action that I have been trying to for three months before I have to file a lawsuit

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 2025-12-02 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: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
In XX/XX/year>, my student loan payment with Aidvantage was scheduled to be drafted through XXXX. During that month, my bank detected fraudulent activity on the debit card I had on file, and they immediately froze and replaced the card. This caused the XXXX withdrawal to fail. 

Aidvantage did post a notification in my Aidvantage online account, but they did not send any email or external alert. Because of this, I was unaware that the XXXX draft had failed. At the same time, my father passed away unexpectedly in XXXX, and I was not in a position to regularly log into my Aidvantage account or monitor every online portal. This is why I did not see the internal message they posted. 

I did not learn about the missed payment until after the delinquency was already reported. As soon as I became aware of the issue, I paid the full past-due amount the same day and brought the account current immediately. 

When I contacted Aidvantage to explain the situation, the representative I spoke with told me that the delinquency would be removed because the missed payment was caused by fraud, a bank-mandated card replacement, and the XXXX failure was outside my control. Aidvantage records all customer calls, and the recording will confirm this commitment.

Despite these facts, Aidvantage continues to report a 90-day delinquency, and they have stated they " can not remove anything because it is past 90 days, '' which is not correct under the Fair Credit Reporting Act. Furnishers must ensure that all information reported is accurate, complete, and not misleading, regardless of the number of days delinquent.

This delinquency is not an accurate reflection of my payment behavior. It resulted from fraud, a frozen card, lack of external notification, and my inability to see the internal message during a family emergency. I resolved the issue immediately once aware. I am requesting the CFPBs assistance in having this inaccurately reported delinquency removed.

Company response to consumer: Closed with explanation