vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 explanation
Consumer complaint received 2025-07-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I have disputed these items directly with the credit bureaus and/or data furnishers and have not received any proper documentation to verify the debt, such as signed contracts or complete billing history. Per the Fair Credit Reporting Act ( FCRA ) 1681i and 609 ( a ), I am entitled to a thorough investigation and full proof of accuracy. 

Midland Credit XXXX XXXX XXXX XXXX  ) charge-off with no original creditor verification These entries are damaging my credit and were not verified properly. I am requesting immediate CFPB investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
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 a
nd 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Unauthorized Hard Inquiry Request for Removal To Whom It May Concern, I am writing to formally dispute a hard inquiry listed on my credit report, which I did not authorize. Upon reviewing my credit file, I noticed an inquiry made by your company on XX/XX/year>, listed under XXXX XXXX XXXX XXXX. 
According to the Fair Credit Reporting Act ( FCRA ), a hard inquiry may only be made with my explicit written consent. I have no recollection of authorizing your company to access my credit file, and I have not applied for credit with your company or its affiliates. Therefore, this inquiry is unauthorized and a violation of my consumer rights under the FCRA. 
I respectfully request that you immediately : 1. Remove the unauthorized inquiry from all three credit bureaus ( XXXX, XXXX, and XXXX  ) ; and 2. Provide written confirmation of this action. 
If this issue is not resolved immediately within 30 days, I will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 
Thank you for your prompt attention to this matter. Please confirm in writing when the inquiry has been removed. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-01 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-07-01 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: NC

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-01 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: FL

Complaint narrative:
Dear CFPB Team, I am writing to provide an update and request further assistance regarding my ongoing case involving identity theft and issues with my credit report. 
Despite submitting an identity theft report to the major credit bureaus and filing a complaint with the CFPB in XXXX, I am still experiencing significant challenges. Companies have declined my credit applications, citing that they can not find or verify my information with the credit bureaus. This has caused undue stress and has impacted on my ability to secure necessary funding. 
I kindly request that the CFPB assist in ensuring that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and promptly correct my credit file. I would appreciate any guidance or additional steps I should take to expedite the resolution of this matter. 
Thank you for your continued support and advocacy on behalf of consumers like myself. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
When I first opened up some lines of credit, XXXXXXXX XXXX  opened up a line of credit for me. I made my payments on time etc. However, I was living with my parents at this time and when I moved out I had all my mail forwarded over. I am no longer on speaking terms with them and this caused any mail left over to be missed. I was not receiving the statements to my new address they were still going into my old address. I had completely forgotten about this card as I had thought that this was paid off and I hadn't used it. It wasn't until I got a call from XXXX XXXX XXXX that I was told that there was a charge off balance for a small amount that I immediately paid off. They had also apparently been sending the notices to my old address. I would have never gone past due on this account had I been aware, I never got calls or emails from Comenity Bank. I ask they just remove the account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally address a serious issue involving Chase Banks failure to properly report the resolution of an account to XXXX XXXX XXXX XXXX XXXX XXXX. 

An account previously associated with my name which I believe is Account # XXXX has been paid and settled in full, yet as of the date of this letter, it continues to be reflected inaccurately in XXXX  records. I personally contacted Chase Bank in XX/XX/XXXX to request correction and verification of the account status. Despite that outreach, Chase has failed to take appropriate action and update XXXX  to reflect the account as settled when it was paid in either XXXX of XXXX or XXXX of XXXX! 

Due to this inaction, I am currently unable to proceed with essential banking activities, and to make matters worse, XXXX  does not allow me to file an electronic dispute, which significantly delays my ability to correct inaccurate data. This is not only unacceptable it may also constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), which require timely and accurate updates to consumer reporting databases

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MO

Complaint narrative:
I disputed multiple collection accounts reported by XXXX XXXX XXXX, XXXX XXXX, Account XXXX XXXX ( XXXX ), and XXXX XXXX. These accounts were previously investigated by Experian but merely returned as verified without providing any legally required supporting documentation. 

On XX/XX/year>, I sent certified letters to each collector and Experian, requesting : The original contract bearing my signature The full chain of assignment or ownership Securitization records Evidence of the collectors legal authority to collect Each of these accounts remains on my Experian credit report without any of the above documents ever being produced. Despite my prior CFPB complaints filed directly against the collectors, and Experian being fully aware of these disputes, the company continues to verify these unverifiable tradelines.

Experians conduct violates : 15 U.S.C. 1681i failure to perform a reasonable reinvestigation 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy 15 U.S.C. 1681b potential impermissible sharing of my sensitive dispute data with parties lacking proper authority

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 2025-07-01 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: CT

Complaint narrative:
Look at my account and noticed different inconsistently and fraudulent accounts and I want to remove them immediately. I am going to attach the information below. Please delete properly.

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 2025-07-01 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: CT

Complaint narrative:
Look at my account and noticed different inconsistently and fraudulent accounts and I want to remove them immediately. I am going to attach the information below. Please delete properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: LEXISNEXIS
State: GA

Complaint narrative:
I am filing this complaint to report that LexisNexis is unlawfully retaining and disseminating identity theft-related data connected to my consumer file, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2 ( Section 605B ). I am the victim of identity theft, and I believe my personal data was compromised in the XXXX  security breach as well as data exposure related to LexisNexis risk and public records systems. Fraudulent accounts tied to my identity have been reported or shared across multiple systems, including but not limited to accounts from XXXX XXXX XXXX ( ending in XXXX ), XXXX XXXX XXXX XXXX  ( ending in XXXX ), XXXX XXXX ( ending in XXXX ), and XXXX XXXX XXXX ( ending in XXXX ). I did not open, authorize, or consent to any of these accounts. 

LexisNexis is legally obligated to block any such identity theft-related information from any file it maintains or furnishes. Under FCRA 1681c-2, I submitted all required documentation, including my FTC Identity Theft Report ( Ref. No. XXXX ), a valid government-issued photo ID, proof of address, and a written statement identifying each fraudulent account. These were provided in accordance with 1681c-2 ( b ). Despite this, LexisNexis has not issued confirmation that these accounts or any related identifiers have been blocked, nor that my consumer data has been secured from continued dissemination. 

Under FCRA 1681c-2 ( c ), LexisNexis is required to block identity theft-related information within four ( 4 ) business days of receiving the documentation. I assert my right to this statutory remedy. Furthermore, any continued sharing of this information constitutes willful noncompliance, especially considering LexisNexiss position as a core data aggregator relied on by lenders, insurers, and government agencies.

If LexisNexis fails to comply, I will escalate this matter to the FTC, IRS Criminal Investigation Division, and state attorneys general, and I reserve all rights to pursue civil remedies under FCRA 1681n and 1681o.

This dispute is submitted in good faith and with full legal backing. I am requesting LexisNexis immediately and permanently block any identity theft-related data in its systems within four ( 4 ) business days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MS

Complaint narrative:
I have recently receive a copy of my credit report and noticed several inaccuracies and unauthorized accounts and 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
Consumer complaint received 2025-07-01 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: MS

Complaint narrative:
I have recently receive a copy of my credit report and noticed several inaccuracies and unauthorized accounts and 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
Consumer complaint received 2025-07-01 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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