vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: LEXISNEXIS
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Document Date : XX/XX/XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, Please accept this letter as a formal request under the Fair Credit Reporting Act ( FCRA ) for the investigation and deletion of inaccurate, unverifiable, and derogatory information appearing in my LexisNexis consumer report. 
Upon reviewing my report, I discovered several discrepancies and items I do not recognize or authorize. As a consumer reporting agency under 15 U.S.C. 1681a ( f ), you are required to ensure the accuracy, fairness, and privacy of information in consumer files. I am disputing the accounts and records listed in Exhibit A, which do not belong to me and/or are inaccurately reported. 
In accordance with your legal obligations under the FCRA ( 15 U.S.C. 1681 et seq ), I request immediate action on the following : XXXX XXXX Requirements under the FCRA : 1. 15 U.S.C. 1681e ( b ) : You are required to follow reasonable procedures to assure maximum possible accuracy of consumer report information. 
See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which explains the standard of " assure, '' " maximum, '' and " possible '' as creating a heightened responsibility to avoid reporting inaccuracies. 
XXXX. 15 U.S.C. 1681i : You must reinvestigate disputed information within XXXX days and delete or correct inaccuracies unless verified. 
XXXX. 15 U.S.C. 1681b : You are prohibited from releasing my consumer file without a permissible purpose. Please identify all parties who have accessed my file, and provide their stated purpose. 
XXXX. 15 U.S.C. 1681g : You are required to provide a full disclosure of the information in my file upon request. 
I am requesting verifiable documentation of all items in question, including but not limited to original contracts bearing my wet ink signature. If no such documentation exists, these accounts and inquiries must be permanently deleted from my LexisNexis file. 
Please also provide the name, title, and contact information of the person who conducts the investigation, as well as a detailed description of the procedures used to verify the information in question. 
My Identity Verification : - Full Name : XXXX XXXX - Date of Birth : XX/XX/XXXX - Social Security Number : XXXX - Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Phone : XXXX - Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MO

Complaint narrative:
Reported fraud multiple times and still being found responsible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: AR

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX Incorrect Personal

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 2025-04-16 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: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-16 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I have previously disputed with TransUnion, Experian and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona, XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Request for Immediate Deletion of Inaccurate Information for XXXX XXXX Account Dear Equifax Dispute Department, I am writing to formally dispute the inaccurate and misleading information being reported on my credit report regarding the XXXX XXXX account ( account number ending in XXXX ). The information being furnished violates several provisions of the Fair Credit Reporting Act ( FCRA ), and I am demanding its immediate deletion from my Equifax credit report. 

Below are the inconsistencies and violations identified : 1. Inconsistent Date Opened : Equifax reports the account opened on XX/XX/XXXX, while XXXX lists XX/XX/XXXX. This discrepancy violates the requirement to report accurate and consistent information under 15 U.S.C. 1681e ( b ).

2. Incorrect Credit Limit : Equifax shows a {$0.00} credit limit, while XXXX and XXXX  correctly report a {$1000.00} credit limit. Reporting a {$0.00} limit negatively affects my utilization ratio and misrepresents my creditworthiness.

3. Contradictory Comments and Status : The account is listed as Charged Off but also marked with Dispute resolved reported by subscriber. This implies the account was previously in dispute, yet there is no proof provided of a complete investigation with accurate resolution per 15 U.S.C. 1681i ( a ).

4. Balance and Payment Status Inaccuracy : If the account is charged off and the credit limit is listed as {$0.00}, the current balance of {$220.00} is contradictory. It is unclear who currently owns the debt, and such ambiguous reporting is a violation of 15 U.S.C. 1681s-2 ( b ).

5. Violation of My Consumer Rights : Per 15 U.S.C. 1681i, I have the right to dispute any item of information that is inaccurate or incomplete.

If the item can not be verified, it must be deleted from my credit file.

Continuing to report inaccurate or unverifiable information may result in willful noncompliance, which is subject to damages under 15 U.S.C. 1681n.

Due to these multiple discrepancies and the lack of verifiable accuracy, I am formally requesting : 1. Immediate deletion of the XXXX XXXX account from my Equifax credit report.

2. Written confirmation that the account has been removed.

3. An updated copy of my credit report reflecting this change. 

Please consider this letter a formal dispute under FCRA guidelines. I request your full compliance within the 30-day window required by law. If this account can not be 100 % verified with complete and accurate data, it must be permanently removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: LA

Complaint narrative:
On XX/XX/year> I was notified through my ( credit wise app ) who I bank with that my credit score has dropped significantly by XXXX point. I then went to app and discovered there had been several school loans opened through XXXX in my name made through XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I contacted them ( XXXX ) XXXX They told me to file police report which I did the next business day for identity theft. File number is XXXX and talked to Detective.Manning With the 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 non-monetary relief
Consumer complaint received 2025-04-16 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
Reported fraud multiple times to not have it resolved

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have tried to talk to a supervisor or someone that is knowledgeable on the job but no one at Experian seems to know what they are doing or how they can fix the issue. all they need to do is verify my identity so i can log into my credit profile that belongs to me and all the information that i have provided them is correct. i have submitted 2 trouble tickets and have waited well over 3 months and still no resolution. the lack of knowledge of the employees over the phone has caused me not being able to dispute certain items on my Experian credit report. someone needs to be held accountable for this as i know i am not the only one experiencing this issue with Experian. it should be illegal for Experian to withhold my credit information from me and Experian needs to be held accountable.

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 2025-04-16 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-16 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: KY

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: KY

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

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 2025-04-16 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: FL

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 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: FL

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CT

Complaint narrative:
In XXXX, multiple student loans via federal aid MOHELA were taken out for my college. There were automatic payments set up by my parents. There home address and phone number were provided for contact information. My parents were paying the loans. 

In XXXX, those automatic payments must have stopped due to loan going into deferment when I attended a masters program. Going forward, we never received ANY mail or phone calls of notification that the automatic payments stopped due to deferment. 

On XX/XX/XXXX, I was notified by credit reporting that my XXXX XXXX decreased and was delinquent on a loan ( past XXXX  days ) with MOHELA. I created an online account with MOHELA student federal aid and discovered that payments were reinstated starting in XX/XX/XXXX. WE NEVER RECEIVED ANY NOTIFICATION of XXXX ) being deferred, XXXX ) payments were not being received, XXXX ) MOHELA NEVER attempted to collect the debt. My parents phone number has been in service for over XXXX  years. They never attempted to contact them or me. Nor did we receive any mail. 

I spoke with my parents and they were under the impression the loans were paid off due to paying other loans for another siblings. They did not know this was a problem because they NEVER or I RECEIVED ANY TYPE OF NOTIFICATION that it was a problem! 

On XX/XX/XXXX, I called MOHELA. After waiting an hour and a half I spoke to a representative. The representative blamed me that it was my responsibility to keep updated information. However, I never was informed about any type of address or phone number change. MOHELA representative informed me the address they had on file was not the address associated with my parents address which we NEVER changed. Additionally, they still had the same phone number given initially. They never attempted to contact for payment. I requested they remove this issue from my credit report as this was not my fault and they did not take adequate action to attempt to collect payment. The representative then just transferred me to someone else with a XXXX hour wait with no type of resolution or why she was transferring me. Ive been on the phone for hours with no way to contact anyone about this problem. 

I reviewed MOHELA XXXX and discovered thousands of complaints alleging the same misconduct by MOHELA. This is completely unacceptable. 

XXXX essentially deferred payments without notifications in XXXX, and NEVER reinstated the automatic payment feature that had been set up in XXXX. Furthermore, no notifications of loan being taken out of deferment was given. No phone calls whatsoever. 

I will continue filing complaints and will take legal action if this issue is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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 trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$390.00} XX/XX/XXXXXXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$00.00}XX/XX/XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$13000.00}XX/XX/XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$540.00} XXXXXX/XX/XXXX- XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1500.00XX/XX/XXXX- XXXX * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$2000.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$16000.00} SYNCB/PPC - XXXX * XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$00.00}

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 non-monetary relief