vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate and fraudulent XXXXXXXX XXXX XXXX account ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX listed on my Experian credit report. This account was opened and used as part of a rental car scam, constituting identity theft, and does not belong to me. This is my third and final attempt to have this fraudulent account removed from my credit report. Despite previous disputes, Experian has failed to correct this error, resulting in denials of credit and financial harm. I demand immediate investigation and removal of this account under the Fair Credit Reporting Act ( FCRA ), or I will pursue legal action for damages. The XXXXXXXX XXXX XXXX account in question was fraudulently opened in my name as part of a rental car scam. I did not apply for, authorize, or use this account. While payments may have been made on this account by the perpetrator, this does not negate the fraudulent nature of the account. Under federal law, fraudulent accounts must be removed from a consumers credit report, as they do not reflect the consumers legitimate financial activity. The presence of this account has caused significant harm, including denial of a mortgage application due to lowered credit score or inability to secure favorable loan terms. This is my third dispute regarding this fraudulent account, previously submitted. Experians failure to remove this account after my prior disputes violates 15 U.S.C. 1681i, which mandates a reasonable investigation within 30 days. The continued presence of this account on my credit report has caused tangible harm, and I reserve the right to seek damages for these violations, including statutory damages up to {$1000.00} per violation under 15 U.S.C. 1681n, as well as actual damages for credit denials. Additionally, case law supports the removal of fraudulent accounts : XXXX v. Experian Information Solutions XXXX XXXX ( XXXX. XXXX ) : The plaintiff successfully sued Experian for failing to remove a fraudulent account after a dispute, with the court affirming Experians obligation under the FCRA to conduct a reasonable investigation and correct inaccuracies. Experians failure to act in my case mirrors this violation. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case establishes that credit reporting agencies must delete information that can not be verified as accurate. As the XXXX account is fraudulent, it can not be verified as my obligation. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : The court held that credit bureaus must follow reasonable procedures to ensure accuracy, and failure to remove unverifiable or fraudulent information constitutes a violation of the FCRA.

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 2025-07-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
You are out of time to fix this issue and Experian and TransUnion quickly saw the issues and removed the reporting please do so as well. Or explain to me how they could and you couldn't .. see complaints XXXX and XXXX for more details/refrence. I'm trying to use my credit and this is illegally hindering me form doing so due to a huge clear error that's not backed by anything real just a PDF that anyone can make. You told me to do a report and I did as well and sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Property was sold — 
Company: EZCORP, INC.
State: TX

Complaint narrative:
All my items in pawn were prematurely dropped after I made payment. They were not supposed to be dropped until the 4th day and they will not put my things back in pawn or even attempt to make it right. The workers in that particular store have been extremely dismissive and rude and the store manager is avoiding me and interrogating workers in reference to them helping me completely dismissing the situation. I made a payment @ XXXX the store opened at XXXX and my things shouldn't have even been able to be dropped. Other stores are saying it may have been a glitch, but it could have been an easy fix if they wanted it to be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
ON XX/XX/XXXX, I SENT A DISPUTE LETTER TO ALL 3 CREDIT BUREAUS, EQUIFAX, EXPERIAN, AND TRANSUNION, about SEVERAL ACCOUNTS BEING fraudulent and needing TO BE REMOVED FROM MY CREDIT REPORT DUE TO THEM NEGATIVELY EFFECTING MY REPORT.

IT HAS BEEN 30 DAYS SINCE ALL 3 CREDIT BUREAUS HAVE RECEIVED MY LETTERS, AND THEY HAVE YET TO FIX THE ISSUE.

TODAY I CHECKED THE MAIL AND RECEIVED A LETTER FROM TRANSUION THAT WAS DATED " XX/XX/XXXX '' THAT STATED THEY ARE REFUSING TO BLOCK THE FRAUDULENT ACCOUNTS FROM MY CREDIT FILE BECAUSE THE FTC REPORT I SENT THEM DOESN'T APPEAR TO BE AN OFFICIAL DOCUMENT. THEY ALSO REQUESTED THAT I SEND IN TWO FORMS OF identification.

WHEN I INITIALLY STARTED MY DISPUTE, I SENT THEM TWO FORMS OF IDENTIFICATION ALONG WITH A COPY OF MY FTC REPORT AND FORM NUMBER.

TRANSUNION HAS VIOLATED MY RIGHTS AS A CONSUMER BY DISREGARDING VALID EVIDENCE AND NOT CORRECTING MY CREDIT FILE WITHIN THE 30 DAYS ACCORDING TO THE FCRA, 15 U.S. CODE 1681. 

I ALSO RECEIVED A LETTER FROM EQUIFAX DATED " XX/XX/XXXX '' THAT STATED THEY ARE ALSO REFUSING TO BLOCK THE FRAUDULENT INFORMATION FROM MY CREDIT FILE BECAUSE THE INFORMATION THAT THEY HAVE ON FILE DOES NOT MATCH THE DOCUMENTS THEY RECEIVED. THEY ALSO STATED THAT I NEEDED TO SEND IN TWO FORMS OF IDENTIFICATION.

AGAIN, ON MY INITIAL DISPUTE LETTER, WHICH WAS SENT ON XX/XX/XXXX, I SENT TRANSUNION A COPY OF MY DRIVER 'S LICENSE ALONG WITH A UTILITY BILL THAT HAS MY NAME AND ADDRESS. 

TRANSUNION HAS ALSO VIOLATED MY RIGHTS AS A CONSUMER BY NOT CORRECTING THE ISSUE CONCERNING MY CREDIT WITHIN THE 30 DAYS, ACCORDING TO THE FCRA, 15 U.S. CODE 1681.

BOTH EQUIFAX AND TRANSUNION HAVE VIOLATED MY RIGHTS AS A CONSUMER BY STALLING CORRECTING MY FILE AND NEED TO BE HELD ACCOUNTABLE.

THE FALSE, FRAUDULENT INFORMATION ON MY CREDIT REPORT NEEDS TO BE REMOVED FROM MY CREDIT FILE WITHIN THE NEXT 5 DAYS, OR BOTH CREDIT BUREAUS SHALL BE SUBJECT TO A LAWSUIT FOR THE RIGHTS VIOLATION.

BELOW I WILL ATTACH ALL THE IDENTIFICATION DOCUMENTS THAT WERE SENT ON XX/XX/XXXX, AS WELL AS MY FTC REPORT THAT WILL ALSO REFLECT THE DATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: OK

Complaint narrative:
On XX/XX/year>, I made a recorded phone call to XXXX XXXX  formally requesting that they stop reporting my mortgage account to credit reporting agencies. I specifically invoked my rights under 16 CFR 313.3 of the Gramm-Leach-Bliley Act ( GLBA ), which grants consumers the ability to revoke consent for the sharing of nonpublic personal information with third parties.

I made it clear that I was not disputing the accuracy of the tradeline but formally revoking my permission for XXXX XXXX  to continue sharing my financial data with XXXX, Experian, and XXXX. 

The representative denied my request on the call, stating that XXXX would continue to report the account. I was told I would receive a formal written response denying my request within 15 days. 

XXXX is currently reporting missed payments for XXXX, XXXX, XXXX, and XX/XX/year>. These entries are harmful to my credit profile and are being furnished to third parties without my consent, in a manner inconsistent with my rights under federal privacy law. 

While the Fair Credit Reporting Act permits voluntary reporting, it does not require mortgage servicers to share consumer data. By refusing to honor my GLBA-based revocation of consent, XXXX i

s contributing to ongoing harm to my financial reputation. I respectfully request the CFPB to investigate this matter and take the following actions : Confirm whether XXXX is required to continue reporting this account Determine whether their refusal violates consumer privacy rights under GLBA Require XXXX XXXX  to cease reporting my personal information to credit bureaus Secure written confirmation that my revocation of consent will be honored

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX. XXXX XXXX {$10000.00} # XXXX XX/XX/XXXX XXXX. XXXX  {$420.00} # XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
I am filing this complaint to dispute a fraudulent collection account reported by XXXX XXXX XXXX ( MCM ) on my TransUnion credit report, listed with an original creditor of XXXX XXXX XXXX XXXX for a balance of {$690.00}. I have never opened any account with either XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, and this collection account is a result of identity theft, which I have documented in FTC Identity Theft Report XXXX XXXX. 

This new tradeline appeared after I had already submitted identity theft documentation and supporting evidence to TransUnion and the CFPB in connection with case XXXX XXXXXXXX. Therefore, TransUnion was already on legal notice under FCRA 1681c-2 and had a duty to block any identity theft-related tradelines within four business days of receipt. 

TransUnions reporting of this account after being notified of an identity theft claim is a direct violation of FCRA XXXX. Moreover, XXXX has confirmed in writing ( XX/XX/year> ) that this account and other disputed accounts do not appear in their consumer files, further proving that the tradeline is unverifiable and should not be reported by any bureau. 

TransUnion has not provided any validation such as signed account documents, billing history, or legal chain of title. Reporting this data without such verification violates FCRA 1681e ( b ), which mandates reasonable procedures to assure maximum possible accuracy. Since the reported balance exceeds {$600.00}, I also note that no IRS Form 1099-C has been issued, suggesting that this debt may have been canceled or discharged, which further makes its continued reporting misleading and inaccurate.

I demand immediate enforcement of my rights under the Fair Credit Reporting Act. If TransUnion continues to report this fraudulent debt, I will consider this willful noncompliance under FCRA 1681n and 1681o, and reserve my right to pursue all available remedies.

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 2025-07-19 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: ID

Complaint narrative:
I previously submitted a complaint regarding a XXXX credit card account ending in XXXX. The account was opened or used without my authorization and has since been charged off with a balance of {$800.00}. My original complaint stated that this account was the result of unauthorized use by a third party, and I requested full validation and removal under my rights provided by the FDCPA and FCRA. 

XXXX XXXX responded by providing only limited documentation : a single page of an application, three months of statements, and a general cardmember agreement. They refused to provide full validation, including my signed application or itemized charges proving I authorized the account. They also claimed they would not respond further. 

Despite this, the account remains on my credit reports with ongoing derogatory reporting for over 20 months after the charge-off, which appears to violate the FCRA due to potential duplicate negative reporting or re-aging of the debt. 

I have disputed this account multiple times and included a consumer statement clearly explaining that the credit card was used by someone without my permission. Yet it continues to damage my credit history and score. 

I am asking the CFPB to review this matter again. The creditor has not sufficiently proven that I am responsible for this account, and the continued reporting of delinquent payments after charge-off is inaccurate and harmful. I am requesting full removal of this account from all consumer reporting agencies due to unresolved errors and lack of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: ID

Complaint narrative:
I previously submitted a complaint regarding a XXXX credit card account ending in XXXX. The account was opened or used without my authorization and has since been charged off with a balance of {$800.00}. My original complaint stated that this account was the result of unauthorized use by a third party, and I requested full validation and removal under my rights provided by the FDCPA and FCRA. 

XXXX XXXX responded by providing only limited documentation : a single page of an application, three months of statements, and a general cardmember agreement. They refused to provide full validation, including my signed application or itemized charges proving I authorized the account. They also claimed they would not respond further. 

Despite this, the account remains on my credit reports with ongoing derogatory reporting for over 20 months after the charge-off, which appears to violate the FCRA due to potential duplicate negative reporting or re-aging of the debt. 

I have disputed this account multiple times and included a consumer statement clearly explaining that the credit card was used by someone without my permission. Yet it continues to damage my credit history and score. 

I am asking the CFPB to review this matter again. The creditor has not sufficiently proven that I am responsible for this account, and the continued reporting of delinquent payments after charge-off is inaccurate and harmful. I am requesting full removal of this account from all consumer reporting agencies due to unresolved errors and lack of validation.

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 2025-07-19 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  's inaction violates federal law and my rights as a consumer. Account : Exeter XXXX XX/XX/year>, {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: MA

Complaint narrative:
I have disputed a closed XXXX  XXXX account ( ending in XXXX ) multiple times with both XXXX  and Equifax. Despite my disputes, the account continues to be reported with significant and unresolved inaccuracies across the two bureaus. I recently obtained evidence ( a screenshot ) confirming that this account has been deleted or blocked by XXXX, yet XXXX  and Equifax still claim they have verified it as accurate. 

The following discrepancies exist between XXXX  and Equifaxs reporting of this same account : Different high balances ( {$3600.00} vs. {$3200.00} ) Different last payment dates ( XX/XX/year> vs. XX/XX/year> ) Different credit limits ( {$3200.00} vs. {$0.00} ) Different late payment history ( multiple late payments vs. fewer late payments ) These inconsistencies show that the information is neither accurate nor verifiable. I have requested that the account be deleted due to these material discrepancies and the fact that it is no longer listed on XXXX. The reporting agencies continue to verify the account without proper investigation, which I believe violates the Fair Credit Reporting Act ( FCRA ). 

I am seeking deletion of this account from both XXXX  and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
There were 10 un-authorized transactions allowed by on my checking account on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The total of these transaction was {$590.00}. The perpetrator had acquired my debit card number and was XXXX XXXXing themselves. I called my bank as soon as I realized charges were going through to explain the situation and they determined after deliberation that the transactions were authorized. I have been a loyal customer to this bank and they are refusing to give my money back. I called within the time limit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: MI

Complaint narrative:
UNAUTHORIZED INQUIRIES ON REPORT According to ( FAIR CREDIT REPORTING ACT ), LEGALLY THESE UNVERIFIED & UNAUTHORIZED ITEMS MUST BE REMOVED!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I previously filed a CFPB complaint regarding Lexis-Nexis 's false reporting of a XXXX XXXX XXXX ( XXXX XXXX. XXXX ). I am now escalating the issue because Lexis-Nexis reviewed the dispute, acknowledged they rely on XXXX scraping and outdated addresses, and still refuses to delete the record. 

I have now submitted a final dispute package with new evidence, including a signed court memo and official email from XXXX stating they do not verify or report consumer data. Despite this, Lexis-Nexis continues to disseminate false XXXX  information to XXXX XXXX XXXX. Theyre violating : FCRA 1681e ( b ) Inaccurate reporting procedures FCRA 1681i ( a ) ( 5 ) Refusal to delete unverifiable data FCRA 1681n Willful noncompliance GLBA 6802 Unauthorized use and sale of personal data XXXX Business & Commerce Code 20.06 Mishandled dispute resolution I also revoked any digital signature or consent and formally opted out under FCRA 609. This is now a compliance and data privacy issue, not just a reporting dispute. LexisNexis has ignored all reasonable legal obligations and continues to profit from data they have no right to report or sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
There was no lein on my property. They went a paid a bill that was not meant fir me and because they couldn't get the money back they had the payment adjusted to my account instead of putting a stop payment on the check as I instructed niw I have a shortage that should have never occurred which is causing my payment to go up XXXX. I requested a manager call me back and the never did.

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