vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Recently I looked at a copy of my credit reportand notices several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXXXXXX 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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XXXX I sent a detailed letter on inaccurate information on my report with detail documentation showing its inaccurate : incorrect information on my report and havent heard anything from company. Its has been hindering me from a lot of things.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am refiling this complaint because Fair Collections & Outsourcing ( FCO ) failed to legally validate a {$13000.00} debt they are attempting to collect, in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

In my original complaint ( XXXX XXXX. XXXX ), I clearly requested validation of the alleged lease debt, including : A copy of the lease agreement, The full digital signature audit trail ( timestamp, IP address, authorization ), An itemized breakdown of the amount owed, Proof that FCO is authorized to collect on behalf of the original creditor ( Equity Residential / Versailles Apartments ).

FCO responded only with a claim that the same email address was used to sign other documents but provided no actual lease copy or e-signature verification. They also ignored the lease I submitted showing my daughter was living at a different address during the time of the alleged lease.

No legally sufficient documentation has ever been produced. This debt remains unvalidated, and continued collection efforts and credit damage are a violation of federal law.

I am requesting the CFPB reopen this matter and require FCO to provide full legal validation or immediately cease all collection activity and delete the account from any credit reporting agencies.

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 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-05 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : I am filing this FTC Identity Theft Adavit to report fraudulent accounts and fraudulent inquiries appearing on my consumer FICO credit report which I do not recognize as reported and are the result of Identity Theft and Fraud. The fraudulent account and fraudulent inquires are : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XXXX & XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX no XXXX Or XXXX Just XXXX XXXX XXXX XXXX My father was name XXXX XXXX XXXX XXXX. So what I investigate was XXXX XXXX, Citifinancial, and XXXX XXXX XXXX  used my name on loans that I never applied for, used my father 's social security number and some of the loans had different singers and one had a printed name on the signature part of the paperwork. All of this is illegal. The loans company won't show me my account details or my social security number or identification. They been hasn't been honest with me on anything. So I come to you, to request a full investigate on mortgage fraud, forgery, identity theft, predatory lending, and now defamation of character. I don't have anything cause my name on my property since 1987 XX/XX/XXXX has been removed without my permission. All due to lies from the loan companies and XXXX XXXX. My social security number doesn't match up to any of the loan company that used my information but I'm still paying property taxes on the house. Make that make sense. I'm asking for all information to be submitted to me, cause if they don't I will seek legal assistance and sue for XXXX XXXX XXXX dollars for damages, fraud. I have investigate everything and the truth is in my father 's social security number. His credentials will on his credit history. Please help me put a end to companies stealing XXXX people lands without there knowledge. I have all the paperwork. So I asked of you to help me launch an investigation on all the company. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. Equifax is reporting inaccurate, outdated, and legally XXXX information on my credit report, despite multiple formal disputes submitted with supporting documentation. These include accounts that were XXXX in my Chapter XXXX bankruptcy but are still listed as open, delinquent, or in collections. This is a clear violation of XXXX ( b ), which requires Equifax to ensure the maximum possible accuracy of all information it furnishes, and XXXX ( f ), which requires credit bureaus to properly reflect the legal status of public records such as bankruptcies. 

Equifax has also failed to comply with XXXX ( a ), which mandates a timely and complete reinvestigation of any disputed account. Several accounts on my file remain unchanged even though no verification was provided. Under XXXX ( a ) ( XXXX ), Equifax is required to delete any information that can not be verified. By continuing to report these accounts without proof, Equifax is violating federal law and knowingly damaging my credit standing. 

In addition, my report includes unauthorized hard inquiries that I did not initiate or approve. These inquiries violate XXXX, which limits access to consumer credit files to parties with a permissible purpose. I have demanded that these inquiries be removed, but Equifax has taken no action and failed to provide any documentation showing that they were lawfully placed. 

These ongoing errors are not minor. They are materially harming my ability to access credit, fair housing, and other essential services. XXXX inaction demonstrates willful and negligent noncompliance with the FCRA, and under XXXX and XXXX, they are fully liable for damages resulting from this behavior. 

I am demanding immediate removal of all inaccurate, unverifiable, and XXXX accounts, deletion of all unauthorized inquiries, and written confirmation of all corrections. I urge the Consumer Financial Protection Bureau to investigate XXXX refusal to follow federal law and to hold them accountable for continued harm caused by their failure to act. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: MD

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau regarding the presence of a bankruptcy record reported on my credit file by one or more of the national consumer reporting agencies ( Experian, Equifax, and TransUnion ). I dispute the accuracy and legality of this reporting for the following reasons : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has issued a written statement confirming that it does not report bankruptcy filings directly to credit reporting agencies. 
2. The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain procedures to ensure maximum possible accuracy of information they report.

3. If the credit bureaus obtained this data through third-party sources such as XXXX or XXXX, they are still required to independently verify the accuracy and permissible purpose of the reporting. 
XXXX. The continued publication of this recordwithout proper verification from the originating source ( the court ) constitutes negligent or willful noncompliance under the FCRA. 
This bankruptcy reporting is materially harming my credit profile, jeopardizing my security clearance, and impacting my ability to conduct business. I am requesting that the CFPB investigate and take enforcement action if necessary to ensure that the credit reporting agencies comply with their obligations under the FCRA. 


Sincerely, 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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau regarding the presence of a bankruptcy record reported on my credit file by one or more of the national consumer reporting agencies ( Experian, Equifax, and TransUnion ). I dispute the accuracy and legality of this reporting for the following reasons : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has issued a written statement confirming that it does not report bankruptcy filings directly to credit reporting agencies. 
2. The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain procedures to ensure maximum possible accuracy of information they report.

3. If the credit bureaus obtained this data through third-party sources such as XXXX or XXXX, they are still required to independently verify the accuracy and permissible purpose of the reporting. 
XXXX. The continued publication of this recordwithout proper verification from the originating source ( the court ) constitutes negligent or willful noncompliance under the FCRA. 
This bankruptcy reporting is materially harming my credit profile, jeopardizing my security clearance, and impacting my ability to conduct business. I am requesting that the CFPB investigate and take enforcement action if necessary to ensure that the credit reporting agencies comply with their obligations under the FCRA. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I was informed by a senior representative at National Credit Adjusters ( NCA ) on XX/XX/year>, that XXXX accounts ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ) were deleted by NCA and that deletion requests were submitted to Experian on XX/XX/year>. 

However, as of XX/XX/year>, both accounts are still being reported by XXXX. 

This inaccurate reporting has caused me serious financial harm and emotional stress. Please respond to these questions within XXXX  days or delete both accounts immediately as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally file a complaint against Experian Credit reporting agency for its continued reporting of inaccurate and incorrect information on my credit report, despite my repeated efforts to dispute and resolve the matter. 
I have submitted multiple disputes directly to the credit reporting agency in question, clearly outlining the inaccuracies and providing documentation to support my claims. However, the agency has failed to correct these errors, and the inaccurate information remains on my credit report to this day. 
These inaccuracies are not only in violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported by credit bureaus be accurate and verifiable, but they are also causing undue harm to my creditworthiness and financial stability. 
I have attached : A copy of my government-issued identification Recent bank statements to verify my accurate information

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally file a complaint against Experian Credit reporting agency for its continued reporting of inaccurate and incorrect information on my credit report, despite my repeated efforts to dispute and resolve the matter. 
I have submitted multiple disputes directly to the credit reporting agency in question, clearly outlining the inaccuracies and providing documentation to support my claims. However, the agency has failed to correct these errors, and the inaccurate information remains on my credit report to this day. 
These inaccuracies are not only in violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported by credit bureaus be accurate and verifiable, but they are also causing undue harm to my creditworthiness and financial stability. 
I have attached : A copy of my government-issued identification Recent bank statements to verify my accurate information

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 2025-07-05 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: IN

Complaint narrative:
I am writing to formally file a complaint against Experian Credit reporting agency for its continued reporting of inaccurate and incorrect information on my credit report, despite my repeated efforts to dispute and resolve the matter. 
I have submitted multiple disputes directly to the credit reporting agency in question, clearly outlining the inaccuracies and providing documentation to support my claims. However, the agency has failed to correct these errors, and the inaccurate information remains on my credit report to this day. 
These inaccuracies are not only in violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported by credit bureaus be accurate and verifiable, but they are also causing undue harm to my creditworthiness and financial stability. 
I have attached : A copy of my government-issued identification Recent bank statements to verify my accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: SC

Complaint narrative:
XX/XX/year> Note that I have asked for this request in the past but the issue was not corrected Subject : Dispute of Inaccurate Personal Information Incorrect Name Reporting FCRA 1681e ( b ) and 1681i Demand for Correction To Whom It May Concern, I am formally disputing the * * inaccurate spelling or formatting of my legal name * * on my credit report. The credit file currently reflects incorrect versions of my name. As such, I am requesting that the credit reporting agency immediately update my file to reflect my full and correct legal name as it appears on my government-issued documents : I have attached my documents to this compliant as PROOF. 

I sign credit applications using the name as it appears on my Social security card. 

Under the * * Fair Credit Reporting Act ( FCRA ) 1681e ( b ) * *, consumer reporting agencies are required to maintain and report information with * * maximum possible accuracy. * * Reporting my name incorrectly is a violation of this requirement.

Additionally, under * * FCRA 1681i * * I am exercising my right to dispute and request a reinvestigation into this inaccurate personal identifying information. Please update your records accordingly and ensure that * * all current and future reporting uses my correct legal name * *. 

Enclosed with this letter are * * copies of my Social Security card and government-issued identification * *, verifying the proper spelling and full legal format of my name. 

Please complete this reinvestigation within * * 30 days * *, as required by law, and send me a written confirmation that the correction has been made. Also provide me with an updated credit report reflecting this change. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief