vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: LEXISNEXIS
State: FL

Complaint narrative:
I am disputing multiple inaccurate, fraudulent, and reinserted items on my credit reports with Experian, Equifax, and TransUnion. These accounts and inquiries are the result of identity theft, have been previously deleted after investigation, and were unlawfully reinserted without providing the required written notice at least XXXX business days before reinsertion, in violation of FCRA 611 ( a ) ( 5 ) ( B ).

Fraudulent and Reinserted Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$1100.00} Status : Collection Past due {$1100.00} These accounts must be permanently blocked unless verified according to FCRA procedures. 

Duplicate Accounts ( violates 15 USC 1681e ( b ) maximum possible accuracy ) : XXXX XXXX  Acct # XXXX XXXX XXXX XXXXXXXX ( duplicate of Acct # XXXX XXXX XXXX XXXXXXXX ) Balance {$4100.00} XXXX Bank Acct # XXXX XXXX XXXX XXXXXXXX ( duplicate of Acct # XXXX XXXX XXXX XXXXXXXX ) Balance {$2500.00} Unauthorized Hard Inquiries ( violates 15 USC 1681b permissible purpose ) : 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  XX/XX/XXXX I did not authorize these inquiries, did not apply for credit or services with these entities, and demand certification of permissible purpose, including the name and contact of the individual who accessed my file. 

I have provided an FTC Identity Theft Report ( Report # XXXX ) and police report. Under FCRA 605B, these fraudulent items must be blocked permanently. Continued reporting after notice constitutes willful violations under 15 USC 1681n and negligent violations under 1681o, making the bureaus liable for statutory damages, actual damages, attorneys fees, and costs.

This dispute covers all inaccurate accounts, inquiries, and addresses across all three credit bureaus. I demand full reinvestigation under 15 USC 1681i, deletion of unverifiable items, and written confirmation of all deletions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NV

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a confirmed victim of identity theft and have provided TransUnion with all legally required documentation, including my notarized identity theft affidavit and FTC report. Under 15 U.S.C. 1681c-2 ( a ), TransUnion was required to block and permanently delete all fraudulent accounts from my credit report within 4 business days. Instead, they continue to report these accounts, openly stating they are waiting for responses from the creditors. Identity theft accounts are not to be reinvestigated or verified with furnishers, and contacting them is a direct violation of the law. Furthermore, TransUnion disclosed my personal information, including my address and email, to these furnisherscausing them to contact me as if I were responsible for the fraudulent debts.

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 2025-08-12 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: NV

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 2025-08-12 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: SLM CORPORATION
State: OK

Complaint narrative:
This is not a duplicate complaint. This is a follow-up based on XXXX XXXX continued noncompliance after CFPB review in case # XXXX. 

In the prior complaint, Sallie Mae responded only with generic promissory notes and self-certification forms. In my feedback, I documented that these are boilerplate origination documents and do not satisfy their duties under FCRA 611 and 623 ( b ). They failed to : ( 1 ) conduct a reasonable investigation of my specific dispute, ( 2 ) review all relevant account-level records, and ( 3 ) delete or correct unverifiable data. 

They have not provided : Disbursement ledgers showing dates, amounts, and payees ; Servicing history including deferments, forbearances, hardship requests, and default date calculations ; Collection activity logs ; Proof of when my tradelines were first marked disputed.

Sallie Maes continued furnishing of disputed, unverifiable information violates FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 3 ). This is a new compliance failure that occurred after the CFPB closed the prior case and constitutes ongoing harm to my creditworthiness.

I request the CFPB require Sallie Mae to produce full account-level documentation supporting each disputed tradeline or delete the tradelines from all CRAs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-12 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-12 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: NC

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Company : Capital One Bank ( USA ), N.A. 
Product : Credit card or prepaid card Issue : Fraud or scam Transaction was not authorized Narrative / Complaint : This complaint concerns Case # XXXX involving unauthorized charges on my Capital One business credit card account. I originally disputed the following transactions as fraudulent : XX/XX/year> XXXX {$4100.00} XX/XX/year> XXXX {$3000.00} Capital One denied my fraud claim, stating : Information we discovered leads us to believe you or another account user benefitted from the transactions. 

I dispute this determination on the following grounds : Demand for Disclosure I request full disclosure of the information Capital One relied upon to make this determination, including all documents, communications, and investigative notes. 

Improper Denial Reasoning Benefit is not a valid reason to deny a fraud claim if the transactions were unauthorized. The relevant legal standard is whether I ( or an authorized user ) gave prior consent to the transactions, not whether someone allegedly benefited afterward. 

Failure to Follow Investigation Requirements Capital One has not demonstrated compliance with its own fraud investigation procedures, nor has it adequately considered the evidence I provided.

Applicable Laws and Protections : Truth in Lending Act ( TILA ) / Regulation Z Credit card fraud protections under Regulation Z apply to unauthorized use even for many business credit cards. Liability for unauthorized use can not be imposed without proof of authorization.

Card Network Rules ( XXXX XXXXXXXX Liability Policies ) These apply to certain business credit cards and require issuers to reverse unauthorized transactions. 

North Carolina State Consumer Protection Laws North Carolinas unfair and deceptive trade practices statutes apply to small businesses and prohibit denial of legitimate fraud claims without a reasonable basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : -XXXX XXXX NA Inquired on XX/XX/XXXX -XXXX XXXX  Inquired on XX/XX/XXXX -XXXX XXXX Inquired on XX/XX/XXXX -XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX -XXXX XXXX Inquired on XX/XX/XXXX -XXXX XXXX Inquired on XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING XXXX -XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely XXXX. Do anything necessary to remove them from my report now!

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX / XXXX Bank [ Insert their Corporate Address here ] Subject : Formal Demand for Removal of Inaccurate Late Payment Reporting Account XXXX XXXXXXXX Dear XXXX XXXX Department, I am writing to formally dispute and demand the immediate removal of inaccurate and damaging late payment notations being reported on my credit file for the above-referenced account. This account is closed and should no longer reflect any late fees or delinquent payment history. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ), furnishers of information are prohibited from reporting information they know or should know is inaccurate. Furthermore, under XXXX XXXX. XXXX ( a ), credit reporting agencies must conduct a reasonable reinvestigation upon notice of a dispute and remove or correct any inaccurate or unverifiable information within XXXX days. 

The continued reporting of these late payments is false, misleading, and harmful to my creditworthiness. I demand that you : XXXX. Immediately remove any and all late payment entries associated with this closed account from XXXX  credit reporting agencies. 
XXXX. Cease and desist from reporting any further inaccurate information regarding this account. 
XXXX. Provide written confirmation that these corrections have been made and communicated to XXXX XXXX XXXX XXXX 

Please consider this letter as formal notice under federal law. Failure to comply will leave me no choice but to pursue remedies available under the FCRA, including statutory damages, attorneys fees, and costs. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXXXXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: FL

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, been waiting for the credit bureaus response and its really making me XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-12 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Demand for Immediate Deletion of All Accounts and Inquiries & Written Confirmation To Whom It XXXX Concern, This letter serves as a formal demand for the immediate deletion of all accounts, inquiries, and negative items from my credit report in accordance with my legal rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Due to an ongoing lawsuit and violations related to the reporting of these accounts, I am demanding that you remove all reported items associated with my credit profile within XXXX ( XXXX ) days of receiving this notice. Additionally, I require written confirmation that all deletions have been completed. If this request is not met within the specified timeframe, I will take further legal action, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) Pursuing civil litigation for damages resulting from your non-compliance Failure to act promptly will result in immediate escalation. Please provide written confirmation of the deletions to the address above or via email at XXXX within the required timeframe. 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