vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: LEXISNEXIS
State: NY

Complaint narrative:
To Whom It May Concern : I am writing on behalf of XXXX XXXX  XXXX XXXX to formally dispute and demand the immediate removal of an invalid New York State Tax Lien Judgment that remains reported on our LexisNexis business credit file. 
Background : Enclosed is the official documentation from the New York State Department of Taxation and Finance confirming that the lien ( Judgment Docket No. XXXX & XXXX ) has been fully satisfied and released. Under NY CPLR 5020, any satisfied judgment must be marked satisfied on the docket and removed from the public record. Continuing to report a satisfied lien is inaccurate, misleading, and causes undue harm to our business operations. 
Additionally, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, any consumer reporting agency must conduct a reasonable reinvestigation of disputed information and maintain maximum possible accuracy in all reports furnished. If any portion of this report includes personally identifiable information about me as a guarantor, LexisNexis is subject to these federal requirements. Failure to comply with this mandate constitutes negligent and willful noncompliance under 15 U.S.C. 1681n & 1681o, which carries statutory, actual, and punitive damages and entitles us to seek legal remedies.

Legal Basis : NY CPLR 5020 & 5019 : Requires satisfied judgments to be properly marked and corrected in public records. 
NY XXXXeneral Business Law 380-j : Prohibits the reporting of obsolete or inaccurate public record information.

FCRA 1681i, 1681c ( a ) ( 3 ) : If any consumer data appears, the lien must be removed or updated accurately within 30 days. 
Demand : I hereby formally demand that LexisNexis : XXXX. Immediately reinvestigate and delete this invalid/released NY tax lien from XXXX XXXX  XXXX XXXX business credit file. 
XXXX. Provide written confirmation of removal within 30 days of receipt of this notice, in compliance with all applicable federal and state law. 
Failure to comply will result in escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the New York State Attorney General, and pursuit of all available legal remedies for defamation, negligence, and tortious interference with our business operations. 
If you have any questions, please contact me in writing at the address above or by email at XXXX. We expect full compliance within XXXX  days of your receipt of this notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$990.00} 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$990.00} 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: PA

Complaint narrative:
I am writing to request your help in investigating these accounts, which are inaccurately reflected on my credit report. As outlined in USC 1681g, I am formally requesting that they be removed within 15 days. I have provided all relevant documentation for your review. It is also important to note that the reported information varies and is inaccurate across different credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TN

Complaint narrative:
On XX/XX/year>, I contacted Mohela about my student loans being reported twice to XXXX I filed a dispute with XXXX  as well. I was told by XXXX  that Mohela stated the amount was correct. This is not factual information. I contacted Department of Education as well as Mohela again several times afterwards. I was told that it would be corrected in a 90 days time period. It has not been corrected and to this day reflects on my XXXX  Credit Report. This has continued to affect my credit score and prevented me from purchasing a home. This amount is doubled and affects my debt to income ratio. After several attempts to seek assistance for this to be corrected, I have decided to pursue action through this complaint. This has caused me to be depressed and disappointed because it has severely interfered in my dream of buying a home.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to TransUnion notifying them of the reinsertion of XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations.

TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of account ability and compliance with federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-11 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: TN

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Ather reviewing my credit reports I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with.

Please find attached a copy of My ID, Social Security Card, Proof of residence, and FTC complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing to formally dispute certain information that appears on my credit report. I have reviewed my credit report and found discrepancies related to the late payment statuses of the following accounts. After carefully reviewing my records and payment history, I believe the reported late payments are inaccurate, and I respectfully request that these entries be investigated and corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: VA

Complaint narrative:
I am reporting inaccurate and illegal credit reporting by XXXX XXXX XXXXXXXX on two charged-off credit card accounts. 

Despite being charged off in XXXX, both accounts are still being reported as past due with active balances as of XX/XX/XXXX. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 605 ( a ) ( 4 ) : Charged-off debts can not be reported beyond 7 years from the date of first delinquency.

1681e ( b ) : Reporting must be accurate and not misleading. A charge-off can not simultaneously be shown as past due.

1681s-2 ( b ) : Furnishers must correct or delete disputed information. I previously disputed this with XXXX XXXX XXXXXXXX. 

On XX/XX/XXXX, I spoke with a XXXX XXXX XXXXXXXX representative ( XXXX XXXX ). She refused to provide her employee ID and confirmed that no IRS Form 1099-C was issued for either account. Despite this, the accounts are still updating monthly, falsely appearing as collectible debts.

I requested written verification, including Form 1099-C, the date of first delinquency ( DOFD ), and the method of verification. The company did not provide any documentation, only a verbal statement that no 1099-C was filed.

This account activity is misleading, deceptive, and causes unjust harm to my credit profile. I am requesting immediate correction or removal of the inaccurate tradelines in compliance with federal law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Unfortunately, Chase 's response to my inquiry is insufficient. At the moment, I am going through severe financial hardship which is why my checking account did not have any funds. I would expect Chase to at least give me the courtesy of notifying me my account was going to be closed or better yet to work with me to keep my account open. I am disgusted at the level of unsatisfactory customer service I have received from this bank during the last 5 months. Miscommunication, misdirection, incompetence and unprofessionalism have all been demonstrated by this bank. I have been a customer of Chase since 2012. Be advised there is still a pending case being reviewed by the OCC. If this matter is ruled in my favor, I will need a checking account where the funds can be deposited. I am referring to the {$550.00} this bank is in debt to me for. In order to be prepared for this potential outcome, I need this checking account ending in XXXX to be reopened immediately. I have provided all the documentation that has been requested at the time it was required. Every time you have received the information, the goal post has been moved. You have changed the requirements every time I have met them. This is unethical and dishonest. The mechanic from the second opinion letter gave me his card and told me that was his auto shop. I have recently contacted him to ask him to send me a letterhead from the authorized repair shop. XXXX clarified that there was a miscommunication on his part and he provided me his personal business card in error. I have sent Chase and attached below the new second opinion letterhead from the authorized repair shop. I look forward to Chase 's expeditious collaboration in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX -- {$200.00} XXXX XXXX XXXX XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$680.00} XXXX # XXXX XX/XX/XXXX -- {$3500.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$420.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$310.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
To whom it may Concern : I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
To whom it may Concern : I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I am writing to formally request a review and correction of the personal identifying information listed on my credit report. I have recently checked my credit monitoring service through IdentityIQ, and my reports from your bureau is either missing or not displaying correctly. I am concerned that this may be related to inaccurate or outdated personal information currently associated with my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: AL

Complaint narrative:
b'please see supporting documents pertaining to Equifax Data Breach'

Company response to consumer: Closed with explanation