vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: LA

Complaint narrative:
I am filing this complaint against LexisNexis Risk Solutions for reporting inaccurate personal information in my consumer file. 

Specifically, LexisNexis is reporting addresses and phone numbers that do not pertain to me. The only correct address that should appear in my report is : My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX Any other address appearing on my file is incorrect and should be permanently removed. 

Additionally, the phone number listed in your records is also incorrect and must be removed. The correct phone number associated with me is XXXX I submitted a formal dispute to LexisNexis, requesting that all inaccurate addresses and phone numbers be deleted. LexisNexis has failed to correct this information within the time required by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-18 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: MD

Complaint narrative:
I am filing a formal complaint against Equifax for reporting inaccurate and misleading credit information in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ) failure to maintain maximum possible accuracy. 

On my Equifax credit report dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs reported as * * closed * * but shows multiple delinquencies ( XXXX, XXXX, 120 days late ) for XXXX XXXX XXXX through XXXX XXXX XXXX XXXX. However, the * * Date of XXXX XXXX * * is listed as * * XX/XX/XXXX * *, meaning no payments occurred in XXXX. This discrepancy makes it * * factually impossible * * for Equifax to accurately report any late payments in XXXX, and the * * Charge-Off ( CO ) in XX/XX/XXXX * * is therefore also inaccurate and misleading. 

This error damages my creditworthiness and is in direct conflict with the FCRAs requirement to report truthful and verifiable information. 

Supporting I am requesting : 1. * * Immediate deletion * * 2. Equifax to conduct a * * full reinvestigation * * and provide evidence of how those dates were verified.

3. Equifax to * * update all consumer reporting agencies * * with corrected information.

4. Application of the * * CFPBs new enforcement guidelines and fines * * for repeated or willful violations of the FCRA, as per recent XXXX updates on inaccurate credit reporting practices. 
This inaccurate reporting has led to a drop in my credit score and has affected my ability to qualify for fair credit terms. I am seeking immediate deletion to prevent further financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NJ

Complaint narrative:
Having paid on time consistently, Im confused and upset to see a late payment on my account. I request its prompt removal for accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: GA

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 2025-07-18 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN Experian XXXX XXXX XXXX XXXX XXXX  XXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( XXXX ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

As per the XXXX, closed accounts should be removed from my credit report after a certain period of time, typically XXXX years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the XXXX 

Furthermore, the XXXX requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score. 

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the XXXX and XXXX from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
BANK XXXX XXXX XX/XX/XXXX BANK XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Sincerely, 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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing a complaint against LVNV Funding LLC c/o Resurgent Capital Services for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( a ). 

I received an initial communication ( by phone/email ) from this collector on or around [ insert date of first contact ], but I never received a written notice of the debt within five days, as required by law. 

The required notice should have included : The amount of the alleged debt The name of the current creditor My right to dispute the debt within 30 days A statement that, if I dispute the debt, they will provide verification A statement that I can request the original creditors name and address To date, I have not received this notice by mail or electronically, which is a clear violation of my rights under the FDCPA. I did not have an opportunity to verify, dispute, or validate the debt. 



Requested Resolution : I request that this debt be removed from my credit report due to noncompliance with federal law I request that all collection activity be halted until proper validation is provided I ask that the CFPB investigate this matter and take appropriate action to enforce FDCPA compliance Additional Notes I have kept records of all communication and can provide documentation upon request. I believe LVNV Funding LLC and its servicer, Resurgent Capital Services, should not be allowed to report or collect a debt that was never properly validated or disclosed as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-18 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
the collections agency is not reporting the account it should have been removed from my report please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$35000.00} XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00} XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} XXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : 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 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On or around XX/XX/XXXX, my Chase checking account was frozen due to a court-ordered garnishment related to a debt that does not belong to me. This account was opened as a college checking account, where my parent was added solely to help set it up. I have been the primary and only user of this account for years since XXXX it is where my income is deposited and where I manage all of my living expenses. These funds are entirely mine and are note related to the debt A legal hold of {$2500.00} was placed on my account without any prior notice. At the time, my account had {$390.00} from previous paychecks, and I had just received an {$88.00} deposit I made that was also frozen. Then, on XX/XX/XXXX, my employer deposited my paycheck for {$1800.00}, which is now also at risk of being seized. 
These funds are entirely mine and are not related to the debt. I am not the debtor and had no knowledge of this legal action. 

I visited the Chase branch at XXXX XXXX XXXX, XXXX, XXXX, and repeatedly asked to speak with a manager, but none was provided. I was only assisted by Associate Banker XXXX XXXX. I explained that this situation was urgent, and that I rely on this money for rent and basic necessities but I was told there was nothing they could do because of the garnishment. 

I also called Chases claims and legal departments multiple times, but no one provided any meaningful assistance. I was denied access to the court order, case number, or any supporting documentation. I also tried to remove the joint account holder from the account, but Chase blocked me from doing so due to the hold. 

When I contacted the listed debt collection firm XXXX XXXX XXXX XXXX ), they told me only they can only speak with the joint account holder could resolve the matter. I am now trapped in a situation where my wages are being garnished, I can not access my own income, and I have no way to protect future paychecks. 

I am asking for the CFPBs assistance in : Investigating this wrongful garnishment. 
Helping me recover the funds that were seized. 
Preventing any future garnishment of my income for someone elses debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Date : XX/XX/XXXX To : The Consumer Financial Protection Bureau XXXX XXXX : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Complainant Information : * Full Name : XXXX XXXX XXXX * Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX * Current Phone Number : XXXX * Current Email : XXXX * Date of Birth : XX/XX/XXXX * Other Identifying Numbers : XXXX. 
Subject : Formal Complaint Regarding Inability to Access Experian Account and Credit Information This is a formal complaint against Experian for its failure to provide a viable method for me to access my personal credit account and federally mandated credit information.

I am completely locked out of my Experian online account. I have forgotten my password, and I no longer have access to the old email address or the old phone number associated with the account. Consequently, all of Experian 's automated online recovery options are impossible for me to use.

I have made multiple attempts to resolve this issue through Experian 's customer service channels. I have repeatedly called the primary customer service number ( XXXX ). Each time, I am forced into an automated voice messaging system that does not provide any option for a situation like mine. I am stuck in a loop and have been completely unable to reach a human representative who can assist with identity verification. 
My inability to access my account prevents me from monitoring my credit, placing a security freeze, or disputing potential inaccuracies, which are my rights under the Fair Credit Reporting Act ( FCRA ). Experian has not provided an accessible or reasonable process for consumers who have lost access to their original contact methods.

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 2025-07-18 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation