vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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:
On XX/XX/year>, I was forced to file for XXXX XXXX  bankruptcy protection in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), assigned to XXXX XXXX XXXX XXXX XXXX This filing is directly tied to financial harm that I sustained while I was under coercion and XXXX as a XXXX XXXX survivor. 
During and after the period oXXXX XXXX I experienced prolonged financial instability, forced debt obligations, housing insecurity, and manipulation that left me without access to safe, independent income. As a result, I was left with no viable financial alternatives but to enter into a structured repayment plan through the bankruptcy courtstrictly as a survival measure, not as an act of financial mismanagement. 
In accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ) and its implementing regulation 12 C.F.R. 1022.142, I submitted a complete request to the major consumer reporting agencies ( XXXX XXXX XXXX XXXX and LexisNexis Risk Solutions, requesting the blocking of this adverse item ( the bankruptcy filing ) from appearing on my credit reports. My submission included : A written request specifically identifying the item ( XXXX XXXX Bankruptcy, filed XX/XX/year> ) My self-attestation as a XXXX XXXX A government-issued ID Supporting agency documentation confirming my XXXX XXXX status Despite the clear statutory requirements under Section 605C, I remain concerned that this bankruptcy may still be reported or made accessible by credit reporting agencies, which would constitute a violation of my rights under federal law and continue to harm me financially, socially, and psychologically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within XXXX ( XXXX ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX XXXXXXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In XXXX, I was a member of an XXXX XXXX. The business received an American Express XXXX XXXX promotion. We decided to apply for it based on advertised deal. I submitted the application for the business. The credit card was used for business purposes only ( never personal by any member or employee ). The business closed XX/XX/XXXX. Starting XXXX, American Express started reporting the business debt on my personal credit report ( all XXXX main agencies ). I have disputed it multiple times by showing evidence of the original offer AND the original completed application. American Express, via a collection agency, showed an application with my personal name and SS on it. This was NOT the application we submitted and they fraudulently added my personal information to the business application. By promoting this card as a Business card, but years after the card application changed it to a personal card without authorization or approval is a bait and switch with fraudulent intentions to somehow tie the debt to a business XXXX member. They never sued me for the debt within the allocated time, yet continue to harrass me for debit I don't own. In the latest dispute, they expanded harrassment techniques by removing the last payment date and notation that the debt was disputed. None of the agencies are actually investigating anything and are taking the lead from American Express. I have evidence, and submitted multiple times ) of the XXXX ) Original Offer ; XXXX ) Original Application Submitted; and XXXX XXXX XXXX XXXX XXXXhat states that members are not liable for business debt. ( Article - Corporations and Associations - Statute : 4A301 ). FTC violation - Violate the FTC Act Section 5 - Bait-and-Switch. Other violations of FCRA include : Title 12 Chapter X Part 1002 Subpart A 1002.2 ( g ) ; Title 12 Chapter X Part 1002.7 ; ECFR - Title 12 Chapter X Part 1026 Subpart G Section 1026.16 Advertising ( a ) ; ECFR - Title 12 Chapter X Part 1026 Subpart G Section 1026.60 Paragraph ( c ) - Direct mail and electronic applications and solicitations ; ECFR - Title 12 Chapter X Part 1026 Subpart G Section 1026.60 Paragraph ( b ) ; ECFR - Title 12 Chapter X Part 1026 Subpart G Section 1026.60 Paragraph ( a ) ( 1 ) ; eCFR : : 12 CFR Part 1006 -- Debt Collection Practices ( Regulation F ) ; eCFR : : 12 CFR Part 1026 Subpart B -- Open-End Credit ; eCFR : : 12 CFR Part 1026 Subpart A -- General

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: UT

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX or # XXXX. Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX ; # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
I recently reviewed my credit report and discovered several inaccuracies. According to 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: IN

Complaint narrative:
I demand that you conduct a full investigation and provide written verification and documentation substantiating the accuracy and ownership of these accounts within 30 days as required by law. 

If you can not provide legally sufficient validation, you are required to delete these accounts immediately from my credit file and provide written confirmation of the deletion. 

Please note that continued reporting of inaccurate or unverified information constitutes willful noncompliance under FCRA 616 and 617 and may result in legal action for damages. 

Enclosed are copies of my government-issued ID and proof of current address for verification purposes. 

I expect your written response within 30 days of receipt of this letter, as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Lincoln Educational Services Corporation
State: TX

Complaint narrative:
I attended Lincoln Tech XXXX in XXXX XXXX, Texas, and was told my XXXX XXXX would cover the cost of my education. Later, I found out the school took out XXXX student loans in my name without my clear consent. 

I was never properly informed that loans were being opened I was only told to sign the promissory note after staff had already completed the application for me. I trusted them to act in my best interest, not manipulate the process. 

After receiving the XXXX XXXX, the school still said I owed a balance. When I asked about taking out a loan myself, they told me they had already done it. I never authorized or requested those loans. 

I withdrew from my classes within XXXX days, which should have required the school to return unused federal funds, but instead they kept the money, claiming it was for the short time I attended. 

This entire process feels deceptive and unethical. The school misrepresented what the XXXX XXXX would cover, took out loans without consent, and then kept federal funds after withdrawal. Im asking for an investigation into Lincoln XXXX financial aid practices and how my name and information were used to create unauthorized student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: VA

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 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing the following accounts and inquiries on my Experian credit report that appear inaccurate, outdated, or unverifiable. I request a full reinvestigation under the FCRA. 

Charged-Off / Collection Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} Please verify the accuracy of all accounts and remove any that can not be substantiated or are reporting incorrectly. 

Inquiries XXXX XXXXXX/XX/XXXX Please verify this inquiry and remove it if it was not authorized.

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 2025-11-03 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: Kikoff Inc.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

13 15 USC 1666B : A creditor may not treat a payment on a credit card account under Dislike open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

13 15 USC 1666B : A creditor may not treat a payment on a credit card account under Dislike open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am writing to formally dispute the following items on my credit report. I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 



CHARGED OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Americas Car-Mart, Inc.
State: IA

Complaint narrative:
It was opened fraud I never had a car or vicheal in my name. And my bio mom getting charged with fraud right now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-03 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: NY

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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: IN

Complaint narrative:
I demand that you conduct a full investigation and provide written verification and documentation substantiating the accuracy and ownership of these accounts within 30 days as required by law. 

If you can not provide legally sufficient validation, you are required to delete these accounts immediately from my credit file and provide written confirmation of the deletion. 

Please note that continued reporting of inaccurate or unverified information constitutes willful noncompliance under FCRA 616 and 617 and may result in legal action for damages.

Enclosed are copies of my government-issued ID and proof of current address for verification purposes. 

I expect your written response within 30 days of receipt of this letter, as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: CA

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 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