vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
This is account is to help me build credit. I asked the company to cancel account, but they refused to until I paid them. I received no money from them or line of credit to use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This account has been paid in full, yet it is still negatively impacting my credit report. Please update your records immediately to reflect the correct status or remove the account entirely from my report, as it is not providing a fair representation of my current creditworthiness. im in a process of buying a home for me and my family this is effecting the process. 

Please remove those accounts as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
On XX/XX/year>, I submitted disputes against four accounts to Experian through both the CFPB and Experians own website. I provided valid government-issued ID and proof of address. On XX/XX/XXXX, Experian sent two notifications saying the disputes were modified, but no actual results were provided. I have been unable to access my credit report ever since. Experian now displays a message that my report can not be shown due to mismatched information, yet there is no address listed on file at all. 

Despite having no verified address to confirm ownership, Experian continues to report the same four accounts that were disputed : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) previously deleted XXXX Account XXXX previously deleted Experian failed to issue any dispute results or any notice of reinsertion for the previously deleted XXXX and XXXX  accounts. This violates FCRA 610 ( right to access ), 611 ( a ) ( 6 ) ( failure to report results ), and 611 ( a ) ( 5 ) ( B ) ( reinserted items without notice ). The reinsertion or continued reporting of disputed accounts without verified address data is not legally permissible.

You can not reinsert or retain unverifiable accounts tied to a missing or deleted address.

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 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a notice on XX/XX/year> from Midland Credit Management, XXXX XXXX XXXX XXXX MI XXXX, is suing me for the amount of {$3600.00} for some debt that is no mine.They are suing the wrong person.I would like to add that I called XXXX ( MCM Customer Service ) and the representative informed me that the account did not match all my personal information, all he could verify is what is in public records. After our conversation, he said that the account was probably not mine and that he could not further communicate with me. Based on that communication, I am very confident that the debt is not mine. I would like to add that they are trying to Garnish a bank account that is no even mine. I have never had a bank account with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: NJ

Complaint narrative:
This account has been paid in full, yet it is still negatively impacting my credit report. Please update your records immediately to reflect the correct status or remove the account entirely from my report, as it is not providing a fair representation of my current creditworthiness. im in the process of buying a home for me and my family and this is infecting me Please remove those accounts as soon as possible

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 2025-06-23 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 am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-23 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: NV

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX Balance {$210.00} XXXX XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX XXXXXXXX Balance {$230.00} XXXX XXXXXXXX Balance {$4200.00} XXXX XXXX XXXXXXXX Balance {$470.00} XXXX XXXX XXXXXXXX Balance {$290.00} XXXX XXXX Balance {$690.00} XXXX XXXXXXXX Balance {$690.00} XXXX XXXX Balance {$290.00} XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year>

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 2025-06-23 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: MA

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.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX 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 2025-06-23 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: MD

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit report. I am a victim of identity theft, and there are several accounts and inquiries listed on my credit file that I did not authorize or apply for. These items are inaccurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and remove the unauthorized accounts and inquiries from my credit report. Enclosed, you will find a list of the disputed items along with a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ) to support my claim. 

I kindly request that you investigate these discrepancies and take immediate action to delete the fraudulent information from my credit report. Please provide written confirmation once the corrections have been made.

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 2025-06-23 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: TX

Complaint narrative:
They couldnt provide proof that it belongs to me over the phone and has 30 days to send a letter of whatever debt this is and it was removed from XXXX  a while ago and yet i still see it plus om the other credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NY

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX  XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: NY

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX  XX/XX/year>

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 2025-06-23 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:
I have requested that Equifax, XXXX XXXX XXXX update my current address, as they have not reflected the correct information despite providing a copy of my driver 's license. I have made multiple requests for the address listed below to be removed and updated on my profile. I would appreciate your assistance in resolving this matter.

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 2025-06-23 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 have requested that Equifax, XXXX XXXX XXXX update my current address, as they have not reflected the correct information despite providing a copy of my driver 's license. I have made multiple requests for the address listed below to be removed and updated on my profile. I would appreciate your assistance in resolving this matter.

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 2025-06-23 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-23 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 am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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 discovered multiple inaccurate and potentially fraudulent accounts on my credit report. I disputed these accounts with the credit reporting agency and requested verification documentation under the Fair Credit Reporting Act ( FCRA ). The agency responded with a generic outcome stating the information was verified, but failed to provide any documentation or evidence from the original creditor.

I specifically asked for records identifying the method and source of verification, as well as any underlying account-level evidence, but the company refused to provide this information. I believe they failed to conduct a reasonable investigation under 15 U.S.C. 1681i and improperly continued to report inaccurate information despite lacking verification.

I am requesting immediate reinvestigation and removal of all unverified or erroneous accounts from my report.

I am disputing multiple inaccurate accounts and inquiries on my credit report. Due to file size limits, I was unable to upload my full report, but I am prepared to provide it via email or any other method CFPB recommends.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MI

Complaint narrative:
I am filing this complaint in regards to information being reported on my LexisNexis consumer report that is invalid/incorrect. I have social security numbers reporting on LexisNexis that does not belong to me. I have tried to address this with LexisNexis but they keep telling me they cant verify my identity in order to dispute. I have provided my license, passport as well as government issued social security card and was still denied help. I have attached a certified document from the social security administration verifying my correct government issued social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-06-23 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: TX

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.

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 2025-06-23 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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