vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: IL

Complaint narrative:
CFPB Complaint Against XXXX XXXX XXXX XXXX and LexisNexis Companies Complained About 1. XXXX XXXX XXXX XXXX, XXXX Corporate Office : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX Registered Agent in Illinois : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX. XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX, XXXX, GA XXXX Summary of Complaint I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX and LexisNexis for multiple violations of federal consumer protection laws, including : - Unlawful debt collection practices ( XXXX XXXX ) - Deceptive and unfair trade practices ( XXXX XXXX ) - Abuse and unauthorized sharing of private financial and personal information ( both parties ) - Fraudulent court filings and misrepresentation ( XXXX XXXX ) - Harmful reporting of inaccurate information ( LexisNexis ) Key Facts - XXXX XXXX XXXX XXXX caused a civil eviction action to be filed against me in the XXXX Court of XXXX County, Illinois, on or about XX/XX/XXXX. 
- The eviction was based on an altered version of a lease that misrepresented my legal obligations and the payment terms. 
- XXXX XXXX accepted approximately {$31000.00} from me between XX/XX/XXXX and XX/XX/XXXX but failed to reflect those payments accurately. 
- They shared my private application, ID, and banking data with debt collectors, which was then reported to LexisNexis. 
- LexisNexis included this inaccurate and misleading information in my consumer file, without proper verification or correction mechanisms. 
- Because of XXXX reporting, I have been denied multiple business opportunities and experienced severe reputational harm. 
- From XX/XX/XXXX through XX/XX/XXXX, XXXX XXXX continued to litigate using altered records, despite formal notices and federal removal of the case. 
- On XX/XX/XXXX, I was physically assaulted in state court while this matter was pending in federal court, due to unlawful continuation of state litigation. 
Violations of Federal Law 1. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e, 1692f, 1692c 2. Federal Trade Commission Act ( FTC Act ) - 15 U.S.C. 45 3. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) Failure to maintain maximum accuracy in consumer reports- 15 U.S.C. 1681i Failure to investigate and correct inaccurate information 4. Privacy and Consumer Data Rights - Unauthorized sharing and misuse of sensitive application data Harm Suffered- I was wrongfully sued and publicly defamed in court under a falsified legal claim.

- My personal information was shared and misused, creating ongoing risks.

- I was physically harmed during a court event related to this case.

- LexisNexis continues to report damaging and inaccurate data about me.

- I have been denied multiple business and employment opportunities due to the false entries. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-05-20 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-20 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: PR

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XXXX/XXXX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
Between early XXXX and XXXX, I noticed multiple unauthorized hard inquiries on my credit report from companies I have never done business with or applied for credit through. These inquiries were made without my permission and include companies such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, and XXXX. 

I did not submit any credit applications to these companies and did not authorize any of them to access my credit report. These inquiries negatively affected my credit score and do not reflect any legitimate activity on my part. I filed an identity theft complaint through the FTC and am now working to have all unauthorized inquiries removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I sent a clothing vendor ( XXXX  ) money through wise after being told by them it was a secured banking app in the month of XXXX. The vendor has told me numerous times that the items will be shipped soon and still havent been shipped. I asked the vendors numerous times to refund me my money and I will take my business elsewhere. The vendor did not agree to send me a refund so I requested a refund through wise banking app. Wise stated they cant help with the transaction and now I have no merchandise and my money hasnt been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: WA

Complaint narrative:
I am writing to formally request the immediate deletion of several addresses from my credit report that are inaccurate, unverified, and not associated with me in any capacity. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), you are required to ensure the maximum possible accuracy of all consumer information you report. Additionally, under 1681i ( a ), you are obligated to reinvestigate any disputed information and remove unverifiable or erroneous entries. 
The following addresses do not belong to me, are either associated with family members or complete strangers, and have no legitimate connection to my credit file. I am requesting that you delete all instances of these addresses from my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX This is my mother 's address. I have never lived at this location, received mail there, or applied for credit using this address. Please delete all instances. 
XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX I have never resided at or been associated with this address. It is completely unrelated to me. 
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX This address has never belonged to me, and I have no personal or credit-related connection to it. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never lived at this location nor have I used it for any credit-related activity. Please delete all instances. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Same as above : this address is not associated with me in any way. 
These addresses are either the result of file contamination, identity confusion, or incorrect furnisher data. Continuing to report them as associated with my credit profile may result in harm to my creditworthiness and constitutes a failure to maintain accurate records as required by FCRA 1681e ( b ).

Legal Basis for Request : 15 U.S.C. 1681e ( b ) : Requires Experian to follow reasonable procedures to assure maximum possible accuracy of the information it reports.

15 U.S.C. 1681i ( a ) : Requires reinvestigation and deletion of any information that is incomplete, inaccurate, or can not be verified within 30 days.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to formally request the immediate deletion of several addresses from my credit report that are inaccurate, unverified, and not associated with me in any capacity. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), you are required to ensure the maximum possible accuracy of all consumer information you report. Additionally, under 1681i ( a ), you are obligated to reinvestigate any disputed information and remove unverifiable or erroneous entries. 
The following addresses do not belong to me, are either associated with family members or complete strangers, and have no legitimate connection to my credit file. I am requesting that you delete all instances of these addresses from my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX This is my mother 's address. I have never lived at this location, received mail there, or applied for credit using this address. Please delete all instances. 
XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX I have never resided at or been associated with this address. It is completely unrelated to me. 
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX This address has never belonged to me, and I have no personal or credit-related connection to it. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never lived at this location nor have I used it for any credit-related activity. Please delete all instances. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Same as above : this address is not associated with me in any way. 
These addresses are either the result of file contamination, identity confusion, or incorrect furnisher data. Continuing to report them as associated with my credit profile may result in harm to my creditworthiness and constitutes a failure to maintain accurate records as required by FCRA 1681e ( b ).

Legal Basis for Request : 15 U.S.C. 1681e ( b ) : Requires Experian to follow reasonable procedures to assure maximum possible accuracy of the information it reports.

15 U.S.C. 1681i ( a ) : Requires reinvestigation and deletion of any information that is incomplete, inaccurate, or can not be verified within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Block, Inc.
State: VA

Complaint narrative:
I reserved a rental car at XXXX XXXX ( XXXX ) and when I arrived I was told that the car could not be rented to me. I said well I need a refund and you can send me confirmation by email. I left the airport by hotel shuttle and had to take an XXXX to my meeting. I was without a vehicle for approximately 4 days. My bank returned my initial payment made to XXXX upon noticing that I paid for an XXXX but now XXXX and XXXX are still trying to force me to pay this debt one year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$0.00} Account No XXXX XXXX XXXX XXXX Balance : {$470.00} Account No XXXX XXXX XXXX Balance : {$1800.00} Account No XXXX XXXX XXXX Balance : {$1200.00} Account No XXXXXXXX XXXX XXXX XXXX  XXXX : {$4300.00} Account No XXXX XXXX XXXXXXXX XXXX Balance : {$3300.00} Account No XXXXXXXX XXXX XXXX Balance : {$0.00} Account No XXXX XXXX XXXX XXXX Balance : {$430.00} Account No XXXX XXXX XXXX XXXX Balance : {$0.00} Account No XXXX XXXX XXXX Balance : {$1000.00} Account No XXXX XXXX XXXX XXXX Balance : {$730.00} Account No XXXX XXXX XXXX  Balance : {$0.00} Account No XXXX XXXX XXXX Balance : {$0.00} Account No XXXX Inquiries : XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX BANK XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
My credit is very important to me, and I am genuinely concerned about the inaccurate information showing on my credit report. These errors are affecting my ability to get approved for new credit and have become a serious source of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: AR

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 Equifax, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: MD

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 non-monetary relief
Consumer complaint received 2025-05-20 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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