vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/scrub>XXXX Balance : {$5100.00} XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$23000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: LEXISNEXIS
State: KY

Complaint narrative:
In XX/XX/XXXX, I received notification from 2 insurance companies that I would not be receiving their best rates because of factors on my credit report, specifically collections items. I knew that information was inaccurate, and requested a copy of my credit report. 

Around XX/XX/XXXX, I received the report from LexisNexis, which reflected a severely past-due collections item from my local water company. I contacted the water company and verified no balance owed. I also contacted LexisNexis to dispute the information. 

During the dispute, the LexisNexis agent advised that their information comes from XXXX, and they would be filing a dispute which may take up to 30 days to resolve. I asked whether I should also contact XXXX  to file a dispute and was told not to do so. 

On XX/XX/XXXX, I received a report in the mail from LexisNexis advising they filed a dispute with XXXX  but did not receive a response, and that if I wished to further dispute the info, to contact XXXX. They offered no further indication that they will no longer continue reporting the inaccurate information to various parties. I contacted XXXX  directly and they also confirmed that there are no collections items on my report. 

To further complicate things, LexisNexis is frequently closed during their stated normal business hours of XXXX XXXX XXXX time. I was unable to reach them when I initially called to file a dispute, and now, on XX/XX/XXXXXXXX  at XXXX and XXXX ET and XX/XX/XXXX at XXXX ET, they are closed each time I try to call to address the matter. 

Through all of this, I'm forced to pay higher insurance rates and potentially other rates from companies receiving info from LexisNexis with seemingly no way to rectify the incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MD

Complaint narrative:
I am writing to dispute the inaccurate information reported on my credit report with Experian. I have previously submitted disputes regarding these inaccuracies, but they have not been corrected, which continues to affect my credit score and financial standing.

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to properly investigate consumer disputes and for reporting inaccurate information on credit reports. I am referencing this case as part of my ongoing dispute, as I believe that my situation falls under the same issues cited in the CFPBs action.

I have already submitted multiple disputes regarding these inaccuracies, and they have yet to be corrected. This failure to address and resolve the discrepancies not only violates the Fair Credit Reporting Act ( FCRA ) but also directly impacts my ability to access credit, and in some cases, negatively affects my interest rates and loan opportunities.

As per the FCRA and as demonstrated in the CFPBs case against Experian, I request that you : Immediately investigate these disputes. You are required to conduct a reasonable investigation into the accuracy of the information and correct any inaccuracies within 30 days.

Provide an update or resolution. Please notify me of the findings and actions taken with respect to my disputes.

Remove any unverifiable or inaccurate information. If you can not verify the accuracy of the information in question, I request that you remove it from my credit report entirely.

Additionally, please provide me with a written confirmation of the actions taken, including an updated copy of my credit report reflecting the corrections.

I trust that you will resolve this matter promptly and in compliance with all applicable laws and regulations.

Thank you for your attention to this matter. I look forward to your swift response.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
I am receiving repeated calls atleast XXXX  times per day. They are also leaving voicemails and have contacted my employer. Under the FDCPA rules this is considered harassment as they have called me numerous times AND left voicemails within a 7 day period. I am a new mother and make sure to pay my payment monthly. This is causing additional stress and anxiety that I am already dealing with and is medically documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal locked my account at the peak of my business, and I lost access to my funds from my business account. They requested information on transactions and my business practices, which I immediately provided. The problem is that I have been with them for XXXX  years. My transactions have been the same. It is very easy to look back over those years and see that in the same months and time, transactions and dollars have increased. I am in the tourist business. There is no way to speak to anyone, and AI doesn't want to send you to an actual representative. When it does, they tell you it's in the back office for review. NO date, time, reason, or explanation. No other person to talk to. In this case, they sent a review letter stating that it could take up to XXXX  days to review this. That is a long time to hold my money, giving me no other option but to keep using it because it is the system I have. Therefore, I have to use it to stay in business. This means that they continue to collect my money. It is robbery! A scam to profit from others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
I, XXXX XXXX, declare that the information appearing on my credit report related to the accounts, inquiries, and negative remarks I have identified is known to be the result of fraudulent activity by an unknown party. I did not authorize or open these accounts. 

I respectfully request, under my rights provided by the Fair Credit Reporting Act ( FCRA ), that this fraudulent information be immediately removed from my credit report to prevent further harm. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-11 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
XXXX XXXX Account # XXXX XXXX Subject : XXXX Request for Validation Disputed Account To Whom It May Concern, This letter serves as my third formal request for proper validation of the disputed account referenced above.

To date, the only documents provided have been billing statements and a reference to payments from a XXXX XXXX account. Neither of these satisfy the legal requirements for validation. Billing statements are not proof of liability ; they merely show an internal record of alleged transactions. They do not constitute : 1. A copy of the original signed contractual agreement bearing my signature, 2. A complete chain of title establishing ownership and assignment of the debt, or 3. A legally sufficient validation package as required under 15 U.S.C. 1692g. 

I also previously submitted a copy of my FTC Identity Theft Report, which documents this account as fraudulent. Continuing to pursue collection without proper validation violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Unless you can provide the requested validation, you are required to : Cease all collection activity, Delete the account from all credit reporting agencies, and Confirm closure of this matter in writing. 

Failure to comply will result in escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission, and my State Attorney Generals Office for enforcement. 

The documents provided, including billing statements, do not constitute proper validation of this debt, as they do not include a signed contract or chain of title. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act, a debt that can not be validated is disputed and unenforceable. Therefore, this account must be removed from all consumer reporting agencies and collection activity ceased immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX. XXXX XXXXXX/XX/XXXX Equifax Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In Pintos v. Pacific Creditors Association ( 9th Cir. 2010 ), the Ninth Circuit ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, Dennis v. BEH-1, LLC ( 9th Cir. 2002 ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Formal Complaint Regarding Inaccurate Credit Reporting and Debt Collection Practices To Whom It May Concern, I am filing this complaint against XXXX XXXX and the credit reporting agencies ( Equifax, Experian, and TransUnion ) for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Background of the Account Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$340.00} ( original balance {$260.00} ) Status : Collection account, reported past due as of XX/XX/XXXX Violations Identified 1. Balance Inaccuracy : The original balance is listed as {$260.00}, yet the reported balance is {$340.00}. This {$80.00} increase is unexplained and may represent unlawful or unauthorized fees, in violation of FDCPA 808 ( 1 ) ( 15 U.S.C. 1692f ).

2. Improper Re-Aging of the Account : The Status Updated date is shown as XX/XX/XXXX, while the Balance Updated date is XX/XX/XXXX. This creates the appearance of a more recent delinquency, which is a prohibited re-aging practice under FCRA 623 ( a ) ( 2 ).

3. Inconsistent and Misleading Payment History Reporting : The account is reported as a collection but also shows a monthly payment history with C ( Collection ) notations for XXXX through XX/XX/XXXX. This is misleading because collection accounts are not to be reported with rolling monthly late-payment indicators, as it constitutes double reporting.

4. Failure to Correct Disputed Information : My credit report reflects the comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Despite this, the bureaus continue to publish inaccurate information, violating FCRA 611 ( a ) ( 5 ).

Requested Resolution Immediate correction or deletion of this account from my credit reports due to inaccurate and misleading reporting.

Written explanation of how the {$80.00} balance increase is contractually and legally justified.

Confirmation that the account has not been re-aged to extend its reporting period.

Enforcement action to ensure the collector and credit bureaus comply with FCRA and FDCPA requirements. 

I respectfully request the CFPBs intervention to hold the data furnisher and credit reporting agencies accountable for these violations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MD

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$570.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-11 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: IL

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-09-11 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: CA

Complaint narrative:
I received a credit report to my parents address ( my old home address from many years ago ) from Transunion LLC with a date stamped XX/XX/year>. Under Account Review INquiries it stated that these were the latest : XXXX. XXXX XXXX XXXX ( requested XX/XX/year> ) XXXX. XXXX XXXX via TRANSUNION XXXX XXXX  ( consumer request ) on XX/XX/year> XXXX. XXXX XXXX ( XX/XX/year> ) I do not recognize any of these requests and did not make them myself. I in fact did not make a Transunion account until XX/XX/year>. 

After this happened, I received a package from XXXX that I did not pay for or permit, that was sent to this same address under my name. 
Here is some information : Customer ID : XXXX PO # XXXX TAK # XXXX I plan to reach out to Transunion about this matter today.

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