vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-18 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: MI

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: OK

Complaint narrative:
XXXX now has on my trans union credit bureau that I had a rental agreement with them and that it was a profit and loss write off they never sent me a XXXX that according to the laws they are supposed to do and then it says a balance of {$3800.00} if it was a write off the balance should be 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: DE

Complaint narrative:
I am disputing the accuracy of the MoneyLion account currently being reported on my XXXX credit report. This account is not mine and is the result of identity theft. I have already submitted a police report documenting this incident, which I am attaching in support of this complaint. I have previously disputed this account directly with XXXX, but the results of their investigation were inadequate. They did not provide proper documentation verifying the legitimacy of the account, nor did they remove the item as required under FCRA 1681c-2 once identity theft was reported. Despite this, the inaccurate account remains on my credit file and continues to cause harm to my creditworthiness. As required by federal law, I am requesting a proper reinvestigation. If the furnisher ( MoneyLion ) can not verify the account with supporting documentation specifically including a signed application or other proof tying the account to me then this account must be permanently deleted. Please conduct a full reinvestigation of this entry and remove it if it can not be fully validated. I am also requesting that a copy of all verification records be provided to me in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NC

Complaint narrative:
I did not open or authorize the accounts listed below. These accounts are fraudulent, and I demand their removal under 15 U.S. Code 1681g. Please delete them within 15 days. Enclosed are the documents verifying my identity and dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
This CFPB compliant has been filed to request pursuant to 15 USC 1681 i7 method of verification. If this item is verified show me the procedure you took to verify it. Show me the business name, the business address and any information connected to the investigation that took place and if that isn't provided to me in writing within 15 days the account must be removed. XXXX XXXX XXXX22 {$0.00}

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 2025-06-18 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: NC

Complaint narrative:
There are accounts listed on my credit report that were created without my consent. I did not authorize them and am therefore requesting immediate deletion under 15 U.S. Code 1681g. Please complete this correction within 15 days. Documents supporting my claim are enclosed.

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 2025-06-18 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: VA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : 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

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 2025-06-18 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: TX

Complaint narrative:
Upon careful review of my credit report, I identified a hard inquiry that was not authorized by me. I never applied for credit related to this inquiry and therefore request its prompt deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NM

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-06-18 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:
XXXX is inaccurately reporting a 30-day late payment on my credit report with Experian. 

The account in question had a payment due on XX/XX/scrub> 2025. I made the payment on XX/XX/scrub> 2025, which is exactly 30 days after the due date. According to the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX industry standards, a 30-day late mark can not be reported unless the account is 31 days past due. 

XXXX reported the 30-day late status on XX/XX/year>2025 which is only 29 days after the due date. 

I disputed this with Experian and was denied. However, on XX/XX/scrub> 2025, I received an email from Experian stating that my last six months of payment history were perfect, which contradicts their denial and proves the negative mark is inaccurate.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent out certified letters and spoke with agents over the phone several timesto XXXX XXXX, Equifax and XXXX to have all credit monitoring locks and alerts removed from my credit report I have contacted all three credit bureaus and they are all telling me that my credit is not locked or I have no alerts each time. I speak with someone from the credit bureau. They tell me to check with the other two services I have informed all three that I was told I have no lock or security alert. When I am trying to apply for a line of credit with a company, they are telling me that I need to have the freeze removed from my credit report. I have been trying to get this issue fixed for more than two months and still nothing has changed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
XXXX XXXX XXXX failed to provide proof of delinquency for the account ending up with... XXXX. I am disputing the delinquency on my credit report because it should have been removed after XXXX years from the date of the XXXX  missed payment. Please provide the date of the XXXX  missed payment, and then delete it.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX mtg. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX mtg. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX 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 2025-06-18 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: NY

Complaint narrative:
I have been looking into my credit recently for the first time and I see some things listed that I have never applied for or done. I have nothing to do with the following items I found on my credit reports... 

Addresses that do not belong to me are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also Inquiries I did not do are from the following Creditor Companies... 
XXXX XXXX XXXX XXXX/dofed on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been looking into my credit recently for the first time and I see some things listed that I have never applied for or done. I have nothing to do with the following items I found on my credit reports... 

Addresses that do not belong to me are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also Inquiries I did not do are from the following Creditor Companies... 
XXXX XXXX XXXX XXXX/dofed on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXXXXXX 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 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered an unfamiliar inquiry on my credit report, which was not initiated or approved by me. This inaccurate listing must be removed as it misrepresents my credit activity.

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 2025-06-18 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Westlake Services, LLC
State: AL

Complaint narrative:
West lake management is trying to charge me XXXX for a XXXX XXXX XXXX. The company went bankrupt and my information was sold illegally. I never signed any agreement with them and they also can and repossessed my car after I told them it had been totaled out and I was getting it fixed. This has been a major problem with my credit knowing the company I originally got the car from went bankrupt. I have no dealings with Westlake management

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dear CFPB, I am filing this complaint to dispute the inaccurate and misleading reporting practices by XXXX XXXX ( XXXX XXXX XXXX XXXX ) regarding my account. 

XXXX XXXX is currently reporting my account as past due/unpaid on my TransUnion credit report. However, this is false and damaging, as I have been making on-time monthly payments consistently. My payment history reflects compliance with the agreed payment plan, and there is no valid reason for this account to continue being reported in a derogatory or past-due status. 
XXXX XXXX is violating the Fair Credit Reporting Act ( FCRA ) 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires furnishers of information to credit reporting agencies to : " follow reasonable procedures to assure maximum possible accuracy of the information. '' By continuing to report this account as unpaid or delinquent despite on-time payments, they are providing incomplete and misleading information that does not accurately reflect my account status. 

This inaccurate reporting is : Damaging my credit score, Misrepresenting my financial behavior, Hindering my access to credit and opportunities.

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 2025-06-18 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: GA

Complaint narrative:
I am filing this complaint against Equifax for reporting inaccurate personal information on my consumer credit file, in violation of the Fair Credit Reporting Act ( FCRA ). 

Inaccurate Information Being Reported : 1. Misspelling of My Name : My legal and correct name is XXXX XXXX. Equifax is reporting variations or misspellings of my name that I have never used, authorized, or been legally associated with. These errors are misleading and harmful to the accuracy of my credit file. 
2. Incorrect Address Reporting : My correct and current address is : XXXX XXXXXXXX XXXX XXXX, GA XXXX Any other address listed in my Equifax file is inaccurate, outdated, or never associated with me and must be deleted immediately.

Legal Basis for Dispute : Under 15 U.S. Code 1681e ( b ) of the FCRA, credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Equifax has failed in this duty by reporting incorrect and unverified personal information. 

This inaccurate data could affect my creditworthiness, identity verification, and ability to secure financial products.

Company response to consumer: Closed with non-monetary relief