vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: NJ

Complaint narrative:
Complaint Against LexisNexis Risk Solutions XXXX Failure to Provide Consumer Disclosure Report On or around XX/XX/XXXX, my credit application was denied. The adverse action letter I received cited the following reasons for the denial : Income insufficient to meet credit obligation Net monthly income XXXX XXXX XXXX XXXX The letter further stated that the creditor relied on reports from XXXX, LexisNexis Risk Solutions, and XXXXLexisNexis Risk Solutions in evaluating my application. It also noted that my credit score was obtained from LexisNexis Risk Solutions XXXX and included the following information : Credit Score : XXXX Date : XX/XX/XXXX Score Range : XXXX to XXXX The adverse action letter listed the following key factors negatively impacting my credit score : Lien/Judgment record found Number of inquiries in the last 12 months Unable to verify applicant name, address, and phone number Length of time on sources confirming identity I am unaware of any liens or judgments on my record and therefore contacted LexisNexis on or around XX/XX/XXXX, to request a copy of my consumer disclosure report to verify the accuracy of the information being reported. 

As of todays date, XX/XX/XXXX, I have not received a copy of my consumer disclosure report, despite having provided a copy of my government-issued photo ID and proof of residence. LexisNexis has refused to provide me with the report without explanation.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a copy of my consumer disclosure report upon request. LexisNexiss refusal to furnish this report is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

FRAUDULENT ACCOUNTS : Account Name : XXXX 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 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I disputed this debt and filed a complaint. I asked for validation of debt and I was told it wasnt required to be provided. I asked for a resolution to have this debt resolved and havent gotten a response. When I go on the companys website I am blocked from looking at the account. Not the debt as being reported as new debt with an opening date of XX/XX/year>. Its doesnt have an actual date which is an attempt to re-age the debt. I dont want to keep playing cat and mouse with this company intentionally trying to ruin my credit. I want a real solution to resolve this issue and put it behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
These inquiries are unfamiliar to me and might be fraudulent. Please act on this promptly. Documentation is attached.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
I LOOKED AT MY REPORT AND SEEN SOME LOANS THAT I WAS NOT FAMILIAR WITH FILED MY COMPLAINT WITH THE COMPANIES AND I AM WAITING FOR REMOVAL

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
The company representative said he closed the account while I was on the phone with but could not provide me with any information about who or when the Credit inquiry was done or how it was authorized. Further I asked them to contact all credit agencies to ensure the open inquiry was closed and provide me with written proof of closure and report correction.

Representative couldn't answer all my questions/inquiries and that is about normal all he could do was close account and report. according to him.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  XXXX bankruptcy from XXXX SHOULD HAVE LEGALLY DISMISSED I HAVE REPORTED ( FOR YEARS ) REPEATEDLY TO ALL 3 CREDIT BUREAU 'S EXPERIAN XXXX  TRANSUNION XXXX  YET IT WAS ILLEGALLY RECLASSIFIED FOR XXXX FURTHER REDUCING MY CREDIT...

ALONG WITH ILLEGAL REPORTING OF MULTIPLE FRAUD ACCOUNTS, NAMES, ADDRESSES, DESPITE REPEATED FRAUD REPORTS. THEY HAVE DESTROYED MY LIFE FOR ALMOST 20 PLUS YEARS DUE TO THEIR FALSE REPORTING CO MINGLING MY CREDIT WITH A DIFFERENT XXXX XXXX AND NOT REPORTING MY MULTITUDE AND DECADES OF EXCELLENT PAYMENT HISTORIES

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 2025-07-21 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: LA

Complaint narrative:
I am a verified victim of the Equifax Data Breach, and as a result, my personal information has been compromised and used fraudulently to open accounts without my authorization.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX XXXX Balance {$65.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX  XXXX XXXX Balance {$940.00} XXXX XXXXXXXX XXXX Balance : {$370.00}

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 explanation
Consumer complaint received 2025-07-21 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-21 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( [ 15 USC 1681i ] ( b ) ), I have the right to dispute any information that I believe is inaccurate. I kindly ask for your assistance in reviewing and correcting these items to ensure my consumer report is accurate.

The case Navellier v. TransUnion LLC ( 2016 ) demonstrates the importance of addressing disputed inaccuracies promptly. Furthermore, [ 15 USC 1681s-2 ( a ) ( 1 ) ] underscores the necessity of accurate reporting.

Thank you for your time and attention.

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-21 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My identity was fraud and this unknown person used my identity to create an American Express business card. I have sent American Express with police reports and proof that I wasnt in the country when this happened but they are still holding me accountable for this money when I am not the one that spent the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: AR

Complaint narrative:
On XX/XX/year>, I purchased a vehicle through Carvana. Within just XXXX minutes of owning the vehicle, it became undriveable and unsafe to operate. I immediately had the vehicle towed to a local mechanic to diagnose the issue, only to be told that they could not work on the car due to it being a hybrid vehicle. 

Due to the mechanics inability to assist, I had to arrange for a second tow, this time to the dealership associated with the vehicles brand. After receiving the vehicle, the dealership informed me that the car would not be ready for repair for at least two weeks. This timeline was unacceptable, especially given the fact that I had just taken delivery of the vehicle hours prior. 

At this point, I contacted Carvana to initiate a vehicle exchange, which is part of their XXXX money-back/exchange policy. The exchange was approved, and I was told that the replacement vehicle would be delivered on XX/XX/XXXX. I planned accordingly, expecting the replacement to arrive and resolve the situation. 

However, as of today, XX/XX/XXXX, Carvana delayed the delivery of the replacement vehicle to XX/XX/XXXX, a full seven-day delay, with no clear explanation or guaranteed resolution. As a result, I have now been without a reliable vehicle since XX/XX/XXXX, have incurred multiple towing expenses, and have experienced serious disruption to my daily responsibilities. 

Key Issues : Car broke down within XXXX minutes of delivery. 
Incurred two tows : first to a local mechanic, then to a dealership. 
Dealership quoted a XXXX repair wait for a brand-new purchase. 
Opted for an exchange through Carvanas policy. 
Replacement vehicle delivery was delayed from XX/XX/XXXX to XX/XX/XXXX. 
Have been without transportation for over a week with no support or compensation from Carvana.

Carvana has not offered a loaner, rental reimbursement, or any urgency in resolving the issue.

Desired Resolution : Immediate delivery of the replacement vehicle, without further delay. 
Reimbursement for towing expenses.

Compensation or Carvana credit for the extended inconvenience.

Rental vehicle reimbursement or loaner car coverage for the days Ive been without a vehicle.

Formal acknowledgment from Carvanas Executive Resolution Team.

I purchased from Carvana under the assumption that their customer service, return policy, and vehicle quality would be reliable. Instead, this experience has been incredibly disruptive, stressful, and expensive all within days of becoming a customer. I am requesting immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Entries XXXX XXXXXXXX XXXX I am writing to formally dispute inaccurate late payment entries associated with the account from XXXX XXXX XXXX, as listed on my Experian credit report. 

This account, opened on XX/XX/XXXX, has since been paid in full and closed. While the payment history reflects a series of 30- and 60-day late payments, I believe this reporting is inaccurate or incomplete. I respectfully request that these derogatory marks be removed or corrected.

Although this account was originally disputed during divorce proceedings, I was ultimately awarded the vehicle and accepted full responsibility for the loan. Since then, I have fully satisfied the debt. The continued presence of derogatory payment history on a paid and closed account does not accurately reflect my current financial standing.

Legal Basis for Dispute : Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any item of information on my credit file that I believe to be inaccurate. This law requires Experian to : conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate Additionally, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information ( like XXXX XXXX ) are legally obligated to : 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.

Finally, under 15 U.S. Code 1681e ( b ), Credit bureaus must : follow reasonable procedures to assure maximum possible accuracy of the information The presence of multiple late paymentsdespite the loan being paid in full and closeddoes not reflect maximum possible accuracy and may be misleading to lenders.

Please conduct a formal investigation of this account and remove or amend any inaccurately reported late payment history. I have attached relevant documentation confirming that the account has been paid in full.

Thank you for your prompt attention to this matter. I look forward to your written response and resolution within the timeframe required by law. 

Sincerely, 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 2025-07-21 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: CA

Complaint narrative:
Im surprised to see a late payment listed, as my history shows consistent punctuality. Please fix this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
To whom it may concern. 

The company placed my account with collections and hurt my score and my chances of obtaining a home which I am now in the middle of a mortgage and that collection should not be there. I have proof that I said to them that I was going to pay them due to a financial hardship set back that i had. I made a payment on XX/XX/year> ( please see attached payment from my XXXXXXXX XXXX XXXX account and proof of what I said ). 

Your assistance and support in this matter is greatly appreciated,. 

Kindest regards, 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 2025-07-21 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
I consistently pay on time, so this entry is clearly a mistake. I would appreciate its prompt removal.

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 2025-07-21 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: VA

Complaint narrative:
Im reaching out because Ive discovered an account on my credit report that I did not authorize or open, and I need this issue addressed immediately. 

This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not apply for, open, or consent to this account in any form. It does not belong to me, and it should never have appeared on my credit report in the first place. 

This situation is not only frustratingits alarming. I take my personal information and financial history very seriously, and the presence of this fraudulent account is damaging my credit and misrepresenting my financial behavior. Im requesting that you conduct a thorough investigation and permanently delete this fraudulent account from my credit report without delay.

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