vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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:
On XXXX XXXX Case # XXXX Consumer # XXXX also XXXX XXXX Case XXXX, Consumer # XXXX, XXXX XXXXXXXX  consumer number XXXX Case # XXXX They were unable to assist me. I have been working really hard to obtain assistance from Lexis Nexis with no success. XXXX XXXX Consumer number # XXXX, Case number # XXXX, I am formally requesting assistance with my inaccurate/fraudulent dispute to remove these things from my consumer report. There are multiple inaccurate and unauthorized entries in my consumer file. Despite of providing a valid FTC identity theft report, my government issued ID, Social security card, and a utility bill verifying my current address which matches my ID, this information has continued to plague my credit report and being reported to the bureaus to where they are not doing a true investigation. This report includes inaccurate names. My SSN, ID, and Utility bill clearly shows my name and spelling. I am completely vulnerable due to these recent breaches. Lexis Nexis report includes incorrect names such as XXXX XXXX XXXX and XXXX XXXX XXXX.. Numerous email addresses that are not mine including variations of XXXX, XXXX XXXX and more detailed in the attachments. Over a dozen physical addresses in cities I have never resided in, and have been fighting to be removed for years, however, did not know my rights until now. This has plagued me for years. several phone numbers not associated with me, and considering how we have the two step authenticator options now and my address being hacked to where I have no access. I can only imagine what people can be doing. My social, my date of birth, current address, previous address, drivers license, user id, passwords, even financials and medical information with the XXXX breach has really put me in a vulnerable position. There is a business name not associated with me of hair iimprint by XXXX. Please remove I am not affiliated. I explicitly requested removal of these inaccuracies under FCRA 605B, 607 ( b ), and 611. These violations are ongoing and unresolved. I am asking for compliance with the requirement block or delete disputed identity theft related data within 4 business days after receiving proper documentation per FCRA 605B. This failure is causing reputational harm and increased risk of identity confusion. I am seeking CFPB 's assistance to compel Lexis Nexis to delete all disputed data and provide written confirmation of full investigation and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-05-26 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-26 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: TX

Complaint narrative:
This filing a complaint is in reference to a previous dispute I submitted regarding inaccurate information on my credit report. I am writing to formally initiate a second-round dispute for the following account, which remains unresolved : XX/XX/XXXX Balance Owed : {$860.00} ;XX/XX/XXXXBalance Owed : {$0.00} ; XX/XX/XXXX Balance Owed : {$0.00} ; 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 explanation
Consumer complaint received 2025-05-26 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:
I have no idea who's got my information? And is using it to open fraudulent accounts. I am a victim of identity theft, and I hope you can assist me in getting my life back on track. Please remove all fraudulent accounts from my credit file. thank you. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LCB Rent Reporting Ltd.
State: NY

Complaint narrative:
We entered a eviction proceeding with our XXXX ( XXXX XXXX ) who tried to have us pay their legal fee 's of {$1200.00} without judgment from the court. In XXXX XXXX this is illegal to collect legal fees on court proceedings without the Judge ordering that. XXXXXXXX XXXX then misrepresented this amount as " unpaid rent '' and reported our " debt '' to an agency called Landlord Credit Bureau ( LCB ) who reported this to XXXX  as unpaid rent. I provided proof to LCB that this is unverified debt and NOT legal rent debt. They agreed through email and confirmed with me that my owed debt is {$0.00}. These email exchanges happened in XX/XX/year>. It is now a month later, XX/XX/XXXX and after many attempts to work directly with LCB and their guarantees that this will be resolved it has yet to be resolved and this is directly affecting me from moving and finding a new rental because of the impact on my credit. Despite good-faith efforts, LCB Legal has failed to correct the record or communicate any resolution.

I am requesting the CFPB investigate this matter and require both LCB Legal and XXXX  to remove or correct the inaccurate information immediately under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NV

Complaint narrative:
I'm writing to follow up on my previous letter regarding the removal of fraudulent items from my credit report. I've noticed that while some fraudulent items have been removed, others still remain. I'm requesting that all three credit bureaus comply with the law and remove these remaining fraudulent items. Please find below a list of the items I would like to be removed. Thank you for your prompt attention to this matter. 
XXXX XXXX * * Balance Owed : {$9200.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: CA

Complaint narrative:
I have contacted XXXX XXXX on numerous occasions to correct their reporting on my credit report as recent late payments. I have closed and not used this account since 2022 and they are currently reporting as if I still have an account and showing I have a recent late payment reporting to all 3 credit reporting agencies. 

I have continuously tried to get this repaired and they refuse to correct the reporting information or even remove it. It is affecting my credit score and limiting me on my credit. 
I ask that this account be removed or updated reflecting that there are no recent late payments on this account. 

They do not respond in a timely fashion and do not correct their incorrect reporting. I feel that I will eventually have to request a lawsuit against them for reporting incorrect information and not updating it in a timely fashion. 

I ask that they remove this incorrect information according to recent CFPB rulings.

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 2025-05-26 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: CA

Complaint narrative:
I have contacted XXXX XXXX on numerous occasions to correct their reporting on my credit report as recent late payments. I have closed and not used this account since XXXX and they are currently reporting as if I still have an account and showing I have a recent late payment reporting to all 3 credit reporting agencies. 

I have continuously tried to get this repaired and they refuse to correct the reporting information or even remove it. It is affecting my credit score and limiting me on my credit. 
I ask that this account be removed or updated reflecting that there are no recent late payments on this account. 

They do not respond in a timely fashion and do not correct their incorrect reporting. I feel that I will eventually have to request a lawsuit against them for reporting incorrect information and not updating it in a timely fashion. 

I ask that they remove this incorrect information according to recent CFPB rulings.

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 2025-05-26 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: CA

Complaint narrative:
I have contacted XXXX XXXX on numerous occasions to correct their reporting on my credit report as recent late payments. I have closed and not used this account since 2022 and they are currently reporting as if I still have an account and showing I have a recent late payment reporting to all 3 credit reporting agencies. 

I have continuously tried to get this repaired and they refuse to correct the reporting information or even remove it. It is affecting my credit score and limiting me on my credit. 
I ask that this account be removed or updated reflecting that there are no recent late payments on this account. 

They do not respond in a timely fashion and do not correct their incorrect reporting. I feel that I will eventually have to request a lawsuit against them for reporting incorrect information and not updating it in a timely fashion. 

I ask that they remove this incorrect information according to recent CFPB rulings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kinum, Inc., Indianapolis, IN Branch
State: MI

Complaint narrative:
I have sent out five disputes for the this particular account and still haven't got an response. I have updated documents to prove letters were sent with my ID and social security number attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
I am writing to formally dispute the presence of several unauthorized and fraudulent accounts and inquiries that are currently appearing on my credit report. I believe these accounts and inquiries are the result of identity theft and were opened or made without my knowledge or consent. Therefore, they constitute credit fraud under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

The following accounts and inquiries have been fraudulently attributed to me : Fraudulent Accounts : XXXX XXXX XXXX Opened on XX/XX/XXXX | Balance : {$3100.00} XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX | Balance : {$440.00} Fraudulent Credit Inquiries : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX These accounts and inquiries were not authorized by me, and I have never initiated any credit activity with these institutions. Under Section 609 and Section 611 of the Fair Credit Reporting Act, I am requesting an immediate investigation and deletion of these accounts and inquiries from all consumer reporting agencies. 

I am a victim of identity theft, and these entries are having a significant negative impact on my credit score, financial stability, and peace of mind. Please consider this letter a formal dispute under FCRA Section 611, and note that any unverifiable or unauthorized information must be deleted within 30 days of receipt of this letter per FCRA guidelines. 

In support of my dispute, I am requesting that you : Permanently remove the listed fraudulent accounts and inquiries from my credit report. 

Notify all relevant credit bureaus ( Experian, Equifax, and TransUnion ) of this dispute and ensure they update their records accordingly.

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 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
This is a formal complaint against Harris & Harris Ltd for unlawful debt collection and credit reporting activity in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The company is reporting a collection account ( Account # XXXX ) for {$730.00}, allegedly opened on XX/XX/XXXX, and currently marked as past due as of XX/XX/XXXX. Despite this reporting, I have never received any notice, validation, or legal documentation verifying the legitimacy of this debt. 

Specifically, Harris & Harris Ltd has failed to : Provide validation of debt as required by FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) Produce an original signed contract bearing my wet signature, which is the only legal basis for obligation Demonstrate a valid debt collection license to operate in the State of Georgia, as required by law Establish permissible purpose to access or furnish my consumer information under FCRA 1681b This account was reported to the credit bureaus without my consent, without proof of accuracy, and without legal authority, in violation of the following federal laws : FDCPA 807 Prohibits false, deceptive, or misleading representations FDCPA 809 Requires validation of debts upon request FCRA 1681e ( b ) Obliges furnishers to ensure maximum possible accuracy FCRA 1681b Requires a clear permissible purpose for reporting Georgia debt collection statutes Require licensure and compliance with the Georgia Fair Business Practices Act This unvalidated tradeline has materially damaged my credit report and caused financial and emotional harm. Reporting unverified debts especially without notice or licensure is not only unlawful, it is predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-05-26 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-05-26 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: MARINER FINANCE, LLC
State: NY

Complaint narrative:
XXXX filed a dispute with all 3 credit bareus to conduct a through and provide documentation to show proof and method verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 2025-05-26 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: GA

Complaint narrative:
I found inaccurate negative items on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FRCA ). Please remove these unverifiable items.

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