vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 





Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reason : I don't recognize this account Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this 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 2025-05-05 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:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: LEXISNEXIS
State: MI

Complaint narrative:
denied insurance due to error on my consumer report. Prior owners claim information has been merged with mine. Error is obvious since I purchased the home in XXXX however the claim was file in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NY

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FC

RA 611 ( a ). Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ),
you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: VA

Complaint narrative:
This is my second attempt to file a complaint. I would mail this information to EXPERIAN, EQUIFAX and TRANSUNION and give them some calls

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 2025-05-05 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 filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX OF XXXX * * * * Balance : {$870.00} XXXX  XXXX XXXX * * * * * * Balance : {$3600.00} XXXX XXXX * Balance : {$0.00} XXXX XXXX XXXX * * Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : 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 explanation
Consumer complaint received 2025-05-05 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: NV

Complaint narrative:
Identity theft prevention ; fraud alerts, and active duty alerts 15 U.S.C. 1681c-1Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; and refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603, in accordance with procedures developed under section 621.

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 2025-05-05 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: NV

Complaint narrative:
Identity theft prevention ; fraud alerts, and active duty alerts 15 U.S.C. 1681c-1Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; and refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603, in accordance with procedures developed under section 621.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Re : Inaccurate Reporting To Whom It May Concern, Recently. I've reviewed my credit reports and found the following inaccurate late payments XXXX Account Number : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX NATIO Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX  Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Per FCRA 15 U.S.C 16811, all unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify this inaccurate late payment. Non compliance with the request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE will force my legal team to file complaints with the FTC, CFPB, Attorney General of XXXX, along with any further legal action we deem necessary including but not limited to civil and punitive damages Please provide me an updated copy of my credit report upon completion of your investigation. 

Best Regards, 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 2025-05-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Re : Inaccurate Reporting To Whom It May Concern, Recently. I've reviewed my credit reports and found the following inaccurate late payments XXXX Account Number : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX NATIO Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX  Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Per FCRA 15 U.S.C 16811, all unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify this inaccurate late payment. Non compliance with the request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE will force my legal team to file complaints with the FTC, CFPB, Attorney General of XXXX, along with any further legal action we deem necessary including but not limited to civil and punitive damages Please provide me an updated copy of my credit report upon completion of your investigation. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC
State: MI

Complaint narrative:
this company has not gave me a fair due process to dispute land contest this debt. they have made threat to sue, but still have not provided any information such as written contract or bill of purchase of this debt showing the accuracy of this debt, they have any of the requested documents I have ask for showing last billing statement, how was the interest calculated, what is the statue of limitations of this debt, this company has chosen to ignore my rights, as has total violated The Fair Debt Collection Practices Act, & Fair Credit Reporting Act. but withhold information Im requesting to see. what they have did they sue without any knowledge, got a judgement to garnish my wages, without showing in written physical documentation that Im liable if this debt, I requested 30 days to investigate this debt & to cease all action under my rights until I receive the documentation to investigate the claims of this debt, the company chosen to under mine my request & garnish my wage to discredit my claims and intimidate me to force to pay them money on information they have not provide but hearsay, they have said what the original creditor said but didnt show any wrtten agreements or sign verification that the original creditor has this conversation verifying in debt with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: SC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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. 


CLOSED NEGATIVE ACCOUNTS : XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$620.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$1600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$5300.00} XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$4500.00} XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$740.00} XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$95.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3900.00} XXXX  XXXX XXXX # XXXX XX/XX/XXXX XXXX {$1000.00} XXXX XX/XX/XXXX XXXX  # XX/XX/XXXX -- {$600.00} XXXX XX/XX/XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2800.00} XXXX XX/XX/XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$8000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3900.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$95.00} XXXX XXXX XXXX XXXX XXXX  : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX OF XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion DEPT OF ED XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
This is a formal consumer complaint and demand for relief against XXXX, XXXXXXXX XXXX XXXX XXXX  and its XXXX  partner CXXXX XXXX XXXX XXXX XXXX ) operating under the XXXX XXXX XXXX  The complaint concerns serious violations of federal law in connection with a personal installment loan issued to me. 

XXXX and XXXX have willfully violated multiple federal statutes, including : Fair Credit Reporting Act ( FCRA ) furnishing false credit information ( a nonexistent 30-day delinquency ) ; Fair Debt Collection Practices Act ( FDCPA ) continuing collection efforts after a written dispute and cease-contact request ; Truth in Lending Act ( TILA ) refusing to provide federally mandated disclosures such as amortization schedules and payment history ; Consumer Financial Protection Act ( UDAAP ) engaging in deceptive and abusive lending, servicing, and credit reporting conduct through a XXXX scheme. 


After making a payment on XX/XX/year> sufficient to bring my account current, XXXX nonetheless reported a false XXXX late to credit bureaus. When I disputed this in writing and revoked all communication rights via a certified cease-contact letter dated XX/XX/year> ( received XX/XX/XXXX ), XXXX continued XXXX send collection emails daily from XX/XX/year>, violating both the FDCPA and FCRA. 
They also refused to provide the required amortization schedule and payment ledger, instead offering a pretextual privacy excuse despite sending the full loan agreement via email the very next day. This demonstrates knowing bad faith and intent to conceal material terms of the loan. 
Their use of XXXX, a XXXX XXXX  as a XXXX XXXXartner further underscores their intent to evade state lending laws and mislead consumers about the true nature and legality of the product. 


Supporting Evidence All supporting documents, including my certified dispute letter, post-dispute collection emails, the loan agreement, and evidence of concealment, are included in the attached ZIP file titled : XXXX This matter involves willful violations of consumer protection laws and a pattern of deceptive conduct. I respectfully request that the Consumer Financial Protection Bureau investigate and take appropriate enforcement action.

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 2025-05-05 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 discovered a fraudulent activity listed on my credit report that does not belong to me. I believe this is a result of identity theft. 

The accounts in question appears to be opened without my knowledge or consent. I did not authorize this account or inquries, and I have never conducted any business with the company reporting it. The account is negatively affecting my credit score and does not reflect my financial activity or responsibility : Collector : XXXX XXXX XXXXXXXX Opened : XXXX XXXX, XXXX Amount Due : {$2100.00} Opened : XXXX. XXXX, XXXX Amount Due : {$7700.00} Opened : XXXX XXXX, XXXX Amount Due : {$1800.00} Opened : XXXX. XXXX, XXXX Amount Due : {$760.00} Opened : XXXX XXXX, XXXX Amount Due : {$1300.00} Opened : XXXX. XXXX, XXXX XXXX XXXX : {$1100.00} Opened : XXXX. XXXX, XXXX Amount Due : {$2000.00XXXX XXXX XXXX XXXX Original Creditor : XXXX Communications Opened : XX/XX/XXXX - Amount Due : {$990.00} Experian Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX ( Removal : XX/XX/XXXX ) EQUIFAX MORTGAGE XXXX XX/XX/XXXX ( Removal : XX/XX/XXXX ) XXXX  XX/XX/XXXX ( Removal : XX/XX/XXXX ) Address : XXXX XXXX XXXX XXXX APT XXXX, XXXX, FL XXXX Equifax Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXXXX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX : Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Employer : XXXX XXXX

Company response to consumer: Closed with non-monetary relief