vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: VA

Complaint narrative:
CREDIT FREEZE REQUEST LETTER ( Security Freeze Under FCRA & State Law ) From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX XXXX : XXXX XXXX To : Credit Bureau Name XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) RE XXXX REQUEST FOR CREDIT FREEZE / SECURITY FREEZE To Whom It May Concern, I am writing to formally request a Security Freeze ( also known as a Credit Freeze ) on my consumer credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) and all applicable state laws. 

A credit freeze prevents unauthorized access, protects against fraud, and ensures that no new credit, loans, or services can be opened in my name without my direct authorization. 

Please place a full security freeze on my credit report immediately. 

INFORMATION TO VERIFY MY IDENTITY Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX SSN : XXXX Date of Birth : XXXX I am enclosing a copy of my valid ID and proof of address ( drivers license, utility bill, lease, etc. ) to assist with verification. 

DO NOT RELEASE MY INFORMATION Under this freeze : Do NOT release my credit report Do NOT allow any new credit inquiries Do NOT allow any creditor, lender, collection agency, or third party to access or obtain my report Do NOT lift or modify this freeze without my direct, written authorization CONFIRMATION REQUIRED Please send me : A written confirmation that the freeze has been placed My unique PIN or password required to temporarily lift or remove the freeze Complete instructions for lifting or removing the freeze if necessary Send confirmation to the address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dispute Case Number : XXXX I have provided accurate documentation to resolve the dispute and am stuck in a back and forth situation in which I feel as if I am the criminal here- not the negligence of the merchant. I have submitted what is required and have not had the dispute resolved. This is a legitimate small dispute and I have never had this much trouble with any other credit card company in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is reporting inaccurate and inconsistent information about my account ending in XXXX, in violation of the Fair Credit Reporting Act ( FCRA ). I requested an investigation and a correction of the reporting. On XX/XX/year>, Wells Fargo sent a written response admitting that they identified inconsistencies with the information being reported to all the credit agencies. Despite this admission, they closed my case without correcting the inaccurate reporting, without clarifying the true status of the account, and without providing the information I specifically requested. 

Wells Fargo claims they can not make any adjustment unless the information is incorrect or the result of a bank error, yet in the same letter they acknowledge that the information they are furnishing is inconsistent. Their admission proves that the reporting is inaccurate and the result of their own error, but they refused to correct it. 
Instead of fulfilling their legal responsibility as a furnisher under FCRA 623 to provide complete and accurate information, Wells Fargo closed the case and told me to contact the credit bureaus directly. This is improper and a violation of their duty to correct inaccurate data they themselves are providing. 

Because of this inaccurate and inconsistent reporting, my credit has been harmed and continues to be harmed. I am filing this complaint for immediate intervention.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LEXISNEXIS
State: CA

Complaint narrative:
Lexis nexus is reportedly reporting negative items on my credit per the law involving my situation this should be stopped immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the accuracy of information appearing on my credit report. The item in question is being reported based on third-party information that has not been verified by the court, which makes it incomplete and inaccurate under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX is reporting unverified information from third party vendors to EXPERIAN, XXXX  AND XXXX. I have confirmed that court did not verify or provide this information XXXX XXXX or any other credit bureau. Per US Bankruptcy Clerk, the court do not report or verify information to any credit bureas. Under FCRA 609 and 611, ycredit bureas are required to ensure all information reported is accurate and verifiable, and obtained from a reliable source which is not a third party. Because the information is being reported from a third part and not from the court itself it isconsidered unverified and must be deleted.

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 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I lost my last phone. I had chime XXXX XXXX, XXXX XXXX XXXX apps on my phone betting websites like XXXX  XXXX XXXX XXXX XXXX XXXX. I didnt have a passcode on my last XXXX I have when I lost my phone. Someone plays multiple bets over a few months without me, knowing without my knowledge, it was a total amount of XXXX transactions. The amount of money was {$4400.00}. I made it dispute XX/XX/XXXX. They denied my dispute on XX/XX/XXXX. I reopen my dispute documents. They emailed me XX/XX/XXXX said XX/XX/XXXX. My account will be closed now. I still have a pending dispute and the system. I dont know if Im gon na get my money Because it was not me that made the dispute. I just want my money back my hard money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: PA

Complaint narrative:
I, XXXX XXXX, XXXX last XXXX XXXX, recently reviewed a copy of my credit report, and I noticed I had a fraudulent account on my report. Please block and remove these accounts from my report ; they are hurting my ability to obtain credit.

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 2025-11-23 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I am disputing a collection account reported by National Credit Systems that is inaccurate and causing ongoing harm to my credit score. I previously disputed this account with the credit bureaus and provided official documentation from the apartment/property management confirming that my balance was {$0.00} at move-out. Despite providing proof, National Credit Systems continues to report this debt as owed and placed for collection. 

This reporting is false, incomplete, and violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The information has not been corrected after multiple disputes, and it is negatively affecting my credit score and ability to obtain housing and credit.

I am requesting that the CFPB investigate National Credit Systems and that this inaccurate collection be corrected or removed from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: MO

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-23 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: MS

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-22 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: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
In XXXX a solar system was installed at my home by XXXX XXXX XXXX. Shortly after installation, the work caused a serious electrical defect that blocked a required exterior outlet and triggered HOA enforcement. From the beginning I repeatedly sought warranty/service from the installer and from GoodLeap, but I was told multiple times that GoodLeap was not responsible and that I had to deal with the installer at my own cost. 

While trying to obtain service, I learned through the sales representative and my own due diligence that the installer had dissolved and was no longer operating. Despite this, XXXX continued to point me to inactive/incorrect partner contacts and gave changing explanations that the installer was formerly known as another entity, which was false. I later confirmed that funding occurred after the installer was already dissolved, meaning the underlying sales contract was void and unenforceable. 

Because GoodLeap and the installer refused to honor warranty obligations, I paid out-of-pocket for electricians/repairs. The defect was resolved by me, not by GoodLeap or the dissolved installer. 

On XX/XX/XXXX, after many months of unsuccessful attempts to obtain a lawful resolution, I opened a formal case with GoodLeap. On XX/XX/XXXX, I sent GoodLeap a certified Formal Notice of Fraud, Contract Nullity, and Demand for Rescission, requesting documentary proof of a valid contract with my signature, proof the installer existed and was authorized at funding, immediate rescission/nullity, removal of all credit tradelines, and permanent release of any XXXX/fixture lien. The letter was delivered in early XX/XX/XXXX. GoodLeap did not cure the defects or provide the requested proof within the cure period and continued reporting/enforcing the account as valid. 

Instead of addressing contract nullity and credit/lien removal , GoodLeap recently asked me to re-submit evidence already provided and attempted to shift the issue into a new warranty/service investigation, including proposing a site visit almost XXXX years after denying responsibility. This ignores the core dispute : the loan is legally defective because it was funded through a dissolved/unauthorized installer and is being reported and enforced without a valid underlying contract. 

GoodLeaps continued reporting of this disputed/invalid account has harmed my credit profile and financial capacity ( XXXX  ), and the XXXX XXXX XXXX my property title. I am seeking CFPB assistance because GoodLeap has refused to correct or delete inaccurate reporting and to release the lien despite extensive prior notice and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing a complaint against LVNV Funding LLC for illegally re-aging and re-inserting an old, time-barred debt onto my credit report. 

This debt originally became delinquent in XXXX. It was removed from my credit report 12 years ago due to age, which means the credit bureaus purged it under the XXXX reporting limit. LVNV recently reinserted the account on my credit report in XX/XX/year> without providing the legally required XXXX written notice of reinsertion. 

LVNV is in violation of : * * FCRA 605 ( a ) * * reporting derogatory information older than 7 years * * FCRA 623 ( a ) ( 5 ) * * altering the Date of First Delinquency ( illegal re-aging ) * * FCRA 611 * * reinserting previously deleted information without notice * * FDCPA 807 * * misrepresenting the legal status of a debt * * FDCPA 813 * * causing direct damages I never acknowledged this debt, never made a payment, and never restarted the statute of limitations. LVNV has been emailing me settlement offers for years, which demonstrates they knew the debt was time-barred. Despite this, they reinserted the account and reported a new delinquency date to make it appear recent. 

This caused an immediate XXXX drop in my credit score overnight. 

I am requesting that the CFPB require LVNV to : 1. Provide the * * original Date of First Delinquency * * 2. Provide documentation supporting their right to report this account 3. Remove the illegal tradeline from all credit bureaus 4. Provide a written explanation of why reinsertion occurred without notice Please take enforcement action as appropriate. This reinsertion and re-aging appear intentional and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: AZ

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-23 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-23 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: SC

Complaint narrative:
My information was beached by hackers and used incorrectly and I need this corrected 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 2025-11-23 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: SC

Complaint narrative:
My information was beached by hackers and used incorrectly and I need this corrected 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 non-monetary relief
Consumer complaint received 2025-11-23 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: CA

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please correct/update this inaccurate information on my credit report

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 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: NV

Complaint narrative:
I have never had an account with XXXX XXXX, I am a victim of identity theft, this account is a fraudulent account, this account needs to be removed from my credit report and closed out as i'm not liable for this account, My identity was stolen please see the attached fraud affidavit. Account # XXXX

Company response to consumer: Closed with explanation