vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX data breach 2023 causes fictitious open accounts and hard inquiries on my credit. I am apart of XXXX  B need to be compensated for loss and current credit score

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 2025-03-23 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX

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 2025-03-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
CELTIC/CONT- XX/XX/year>. No balance due. presumed information was exposed in data breach.

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 2025-03-23 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: GA

Complaint narrative:
Please check the information concerning the Equifax data breach below in attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: FL

Complaint narrative:
REQUESTED DELETION OF 7 ACCOUNTS THAT WERE INACCURATE IN REPORTING ON MY CONSUMER REPORT. THIS IS A CLEAR VIOLATION OF THE FCRA. I RECIEVED THE RESULTS AND THEY ALL CAME BACK UPDATED AND VERIFIED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- REQUESTED THAT THE LATE PAYMENTS BE UPDATED TO " PAID ON TIME, PAID AS AGREED, NEVER LATE '' IN THE ENTIRE PAYMENT HISTORY OF THE ACCOUNT FOR BEING INACCURATE AND NOT IN COMPLIANCE UNDER THE FCRA. I RECIEVED THE RESULTS AND IT CAME BACK UPDATED AND VERIFIED ( XXXX XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REQUESTED DELETION OF 7 ACCOUNTS THAT WERE INACCURATE IN REPORTING ON MY CONSUMER REPORT. THIS IS A CLEAR VIOLATION OF THE FCRA. I RECIEVED THE RESULTS AND THEY ALL CAME BACK UPDATED AND VERIFIED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- REQUESTED THAT THE LATE PAYMENTS BE UPDATED TO " PAID ON TIME, PAID AS AGREED, NEVER LATE '' IN THE ENTIRE PAYMENT HISTORY OF THE ACCOUNT FOR BEING INACCURATE AND NOT IN COMPLIANCE UNDER THE FCRA. I RECIEVED THE RESULTS AND IT CAME BACK UPDATED AND VERIFIED ( XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
on XX/XX/year>, XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX, posted a credit collection on my credit report that harmed my credit score. I paid XXXX XXXX my last monthly premium on the due date before I ended my service with them. I do not owe them any money at all.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
on XX/XX/year>, XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX, posted a credit collection on my credit report that harmed my credit score. I paid XXXX XXXX my last monthly premium on the due date before I ended my service with them. I do not owe them any money at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
I'm a fed up with the Target 's customer service, I called & waited almost an hour to talk to some XXXX about why haven't I received an increase after almost XXXX of being a credit card member & then they transferred me to a supervisor & then the phone hung up. I'm tired of trying to call customer service & I get no answers & often the phone call drops. I use my target credit card often & pay it off fully, on XXXX & my limit is still only {$500.00} & there are times I used over {$400.00} & paid it off in full, on the due date & still I haven't received an increase. I have a very good XXXX XXXX over XXXX & great income & I have been a loyal customer to Target. I have other credit cards that have higher limits like $ XXXX $ XXXX I don't expect Target to give me that large of a limit but to still be at {$500.00} after almost 3 years is ridiculous. I have several credit cards & Target is the only one with that low of a limit. However, it is the one I use the most often, Because I love the store & shop monthly for necessities, in between pay days & even though it offers no cash back or rewards points or any major benefits, I still use it. However, it's not really helping my credit portfolio, being so low of a credit line & more important than that, I DO NOT feel valued as a loyal customer & I have gave Target  XXXX XXXX XXXX XXXX XXXX through the years! & after 3 years I am still at {$500.00} limit. It makes me just want to close the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX - Date Opened 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 explanation
Consumer complaint received 2025-03-23 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: TX

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries were not and should not be reporting. 


In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
The removal of these unauthorized fraudulent accounts from my credit report. Down below I have listed the inquires and charges that have been inaccurately reported on my credit report. Also for the removal of the inaccurate information on my personal information. 
Written documentation that I opened this account. They could not provide that information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITI CARDS CBNA 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 2025-03-23 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
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 non-monetary relief
Consumer complaint received 2025-03-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I looked and reviewed my report back on my 1, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXXXXXX XXXX # XXXX are not complete and accurate. And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Account has been paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: MI

Complaint narrative:
I looked and reviewed my report back on my 1, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXXXXXX XXXX # XXXX are not complete and accurate. And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Account has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NC

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX XXXX {$2300.00} XXXX/DOFED - XXXX - XX/XX/XXXX - {$4300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: LEXISNEXIS
State: FL

Complaint narrative:
I am filing a formal complaint against LexisNexis and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and for unauthorized activity on my credit report that has resulted in financial harm. 

On XX/XX/2025, I submitted a dispute directly to LexisNexis requesting removal of a bankruptcy listed on my consumer report. I later received documentation from the U.S. Bankruptcy Court, stating clearly that they do not report bankruptcy filings or information to consumer reporting agencies or third-party data providers. Therefore, the bankruptcy entry is unverifiable and should have been removed. 

Instead, LexisNexis conducted a flawed investigation and improperly submitted a dispute to XXXX on my behalfwithout my knowledge, permission, or consent. This unauthorized dispute constitutes identity theft and misrepresentation under federal law. 

The XXXX investigation results referenced a member number submitted by LexisNexis regarding an inquiry. I never submitted such a dispute. This action has caused XXXX to allow continued reporting of incorrect and unverifiable information, including : A bankruptcy that can not be verified by the courts. 
Post-bankruptcy delinquencies reported on accounts that were paid on time and discharged. 
The incorrect status of XXXX XXXX as " open '' when it was included in and discharged through bankruptcy. 
These errors violate my rights under the FCRA, particularly : 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy.

15 U.S.C. 1681i failure to properly reinvestigate disputed information.

18 U.S.C. 1028 unauthorized representation and use of my identity by LexisNexis.

I am requesting that the CFPB investigate these violations and require : Immediate deletion of the unverifiable bankruptcy and all related incorrect remarks. 
Confirmation from XXXX that LexisNexis ' unauthorized dispute has been removed from my file.Sanctions or enforcement actions for LexisNexis misuse of my personal information. 

Additionally, I reside in Florida, where LexisNexis ' and XXXX actions also violate state law. Under the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), Florida XXXX. XXXX, companies are prohibited from engaging in unfair or deceptive conduct in the course of trade or commerce. Submitting an unauthorized dispute on my behalf and reporting unverifiable data clearly falls within this definition. 

Furthermore, under Florida XXXX. XXXX, the unauthorized use of my personal identifying information without consent constitutes a criminal offense. I am therefore requesting that this matter be escalated for immediate review and enforcement under both federal and Florida law.

Company response to consumer: Closed with explanation