vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
Subject : Response Sent to Incorrect Address / No Fraud Claim Filed / FCRA Violation To : Consumer Financial Protection Bureau ( CFPB ) Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in : XXXX Complaint Type : Credit Reporting - Incorrect information on credit report Summary of Complaint : I previously submitted a dispute under the Fair Credit Reporting Act ( FCRA ) regarding an account with XXXX XXXX Credit Card ending in XXXX. 



On or around XXXX XXXX XXXX, the company sent a response letter requesting a fraud affidavit to an outdated or incorrect address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ), despite my disputes and current address being updated and on file with the credit bureaus. 



Important : I never filed a fraud claim or claimed identity theftmy dispute was strictly based on FCRA inaccuracies and unverifiable information being reported. 


Between XXXX XXXX XXXX, the account was removed from my credit report, as confirmed by XXXX XXXX ( screenshot attached ). Despite this, I received a letter requesting further documentation to investigate a fraud claim that I never initiated. 



This mischaracterization of my dispute, use of the wrong address, and the delay in proper response constitute : A failure to properly investigate my FCRA dispute within the 30-day window A misstatement of the nature of the dispute ( fraud instead of factual FCRA error ) A procedural violation by sending private information to a wrong or outdated address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
I am writing to formally dispute the presence of accounts reported under my name without my authorization or knowledge. I have never opened or managed these accounts, and their inclusion in my credit report is both inaccurate and misleading. 
This misreporting is unacceptable and raises serious concerns about the accuracy and integrity of my credit file. These unauthorized accounts are unfairly damaging my creditworthiness and must be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torres Credit Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Torres Credit Service XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Account XXXX Date Opened/Reported : XX/XX/year> Account Balance : {$440.00} Subject : Dispute of Unauthorized and Unverified Collection Account- XXXX  To whom this may concern, I'm writing to formally dispute the accuracy and legitimacy of a collection account reported on my credit file by XXXX or its affiliated collection agency. The account in question is unauthorized, unverified, and I have no knowledge of any outstanding balance with XXXX. In addition, the address listed on the account isn't mine, this is the result of identity fraud. It appears on my credit report without proper verification or my consent. 

The Fair Credit Reporting Act ( FCRA ), under 12 U.S. Code & 1681i, entitles me to dispute any information that I believe to be incorrect or unverifiable. I am requesting that you investigate this matter and provide validation of the alleged debt. If this account can not be properly verified, it must be promptly removed from my credit file. 

As required by law, please complete your investigation within 30 days and provide me with the results in writing. If you are unable to verify this account with sufficient documentation, it must be deleted from my report in compliance with the FCRA. 

Thank you for your prompt attention to this matte. I look forward to your written response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 XXXX XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-14 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Chex systems and early warning illegal use of personal information

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 2025-07-14 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 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
CFPB Complaint Summary 1. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax XXXX TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-07-14 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: GA

Complaint narrative:
CFPB Complaint Summary 1. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax XXXX TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-07-14 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: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
Feedback Regarding TransUnions Response to Complaint # [ Insert CFPB Complaint Number ] I am extremely dissatisfied with the response provided by TransUnion Consumer Solutions and strongly urge the Consumer Financial Protection Bureau ( CFPB ) to reopen this case for proper review. The company has blatantly failed to investigate a fraudulent and inaccurate collection account on my credit report a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

TransUnion 's response was dismissive, generic, and failed to address the core issue : I am not responsible for the collection account in question, and TransUnion has not provided any legally admissible documentation from the original creditor to verify this debt. This account was disputed with evidence, and yet TransUnion refused to investigate properly, in clear defiance of the following federal statutes : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Requires a reasonable reinvestigation upon receiving a dispute from a consumer.

15 U.S. Code 1681i ( a ) ( 5 ) If an item is found to be inaccurate, incomplete, or can not be verified, it must be deleted.

15 U.S. Code 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

Instead of complying with federal law, TransUnion allowed this collection to remain without substantiation, violating their obligations and harming me financially. This is not only negligent it is willful noncompliance.

I am requesting that the CFPB take the following actions : 1. Reopen and escalate this case immediately for supervisory review.

2. Investigate TransUnion 's refusal to reinvestigate, including whether they provided any verification beyond automated e-OSCAR systems.

3. Force deletion of the unverifiable collection account as mandated under 1681i ( a ) ( 5 ).

4. Use this case to support enforcement action against TransUnion for ongoing FCRA violations and deceptive conduct.

If the CFPB allows this kind of systemic abuse to go unchecked, it undermines the very foundation of consumer protection law and the credibility of this Bureau. I am demanding transparency, accountability, and immediate correction of this egregious failure. 

Respectfully, 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 2025-07-14 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: NJ

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
CFPB Original complaint # XXXX on XX/XX/year> And # XXXX on XX/XX/year>. I have NO IDEA what type of game LexisNexis is playing by stating in the email they sent me on XX/XX/year> stating, Thank you for your recent contact to LexisNexis Risk Solutions ( LexisNexis ). Unfortunately, we are unable to authenticate your identity and therefore can not process your request. On XX/XX/year> I furnished CFPB a copy of my original LexisNexis Consumer Disclosure Report that included my LexisNexis Consumer Number XXXX and my LexisNexis Case Number XXXX, see attached. How in the world are they not able to authenticate my identity when they have a copy of the document, they sent me? Are the employees at LexisNexis INCOMPETENT or do they NOT UNDERSTAND or READ English? After filing my original complaint with CFPB, Complaint ID : XXXXagainst LexisNexis they finely gave me access to my records. After reviewing my LexisNexis Consumer Disclosure Report I found multiple errors. I uploaded those errors to LexisNexis, see attached document, and on XX/XX/year> they confirmed receipt by responded by email stating, Auto-Reply : XXXX XXXX  form : Submitting Question w/documentation [ XXXX XXXX ] [ XXXX XXXX ] [ Case # XXXX ] ; XXXX. '' Today is now XXXX LexisNexis has not responded that these errors have been investigated and corrected. It appears LexisNexis is not willing to correct these errors in a timely manner. I am left with no other choice but to file another complaint with you and to possibly contact a LexisNexis Errors Lawyer like Consumer Justice Law Firm, XXXX XXXX XXXX as these errors are keeping me from opening a new account with a financial institution. Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Attn : Credit Card and XXXX and XXXX Department RE : CEASE AND DESIST DEMAND UNDER FCRA & FDCPA Fraudulent Charged-Off Account Number : XXXX & XXXX Immediate Permanent Removal from Equifax, XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal and final demand that XXXX XXXX XXXX immediately cease and desist all reporting, collection, and communication activities related to the fraudulent charged-off credit card account referenced above ( account number XXXX ) to Equifax, XXXX XXXX, and any other consumer reporting agencies. 

By law, charged-off credit card accounts do not require my permission to be reported ; however, I explicitly revoke any such consent and demand permanent cessation of all reporting of this account. 
Continued reporting of this fraudulent account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and is causing severe damage to my credit reputation and financial standing. 
Relevant Legal Violations : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits reporting information known or reasonably believed to be inaccurate or fraudulent.

FCRA 1681s-2 ( b ) : Mandates thorough investigation and prompt removal of unverifiable or disputed information. 
FDCPA 1692e ( 8 ) : Prohibits communication of false, misleading, or disputed credit information to credit bureaus.

FDCPA 1692c ( c ) : Requires immediate cessation of all collection communications upon written request.

Demands : Within 15 calendar days of receiving this letter, you must : 1. Permanently delete all references to account number XXXX from all credit bureaus : EquifaxXXXX XXXX XXXX

2. Cease all collection and reporting activity related to this fraudulent account.

3. Provide written confirmation that the account has been fully removed and that all reporting and collection activity has ceased. 
Failure to comply with these demands will result in immediate escalation, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), the State Attorney General, and all applicable credit reporting agencies. Furthermore, I will pursue all legal remedies available under the FCRA and FDCPA, including civil litigation seeking damages and attorney fees. 
This letter serves as your final legal warning. Govern yourselves accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation