vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within XXXX days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

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 2025-05-15 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: SC

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
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 explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I am writing to dispute the inaccurate reporting of late payments on my credit report related to my student loans serviced by XXXX and DEPT/ED/XXXX. 

Pursuant to 15 U.S. Code 1681s-2, payments made during the COVID-19 pandemic are required to be deferred or forgiven. As such, I request that you remove all late payment notations related to these accounts from my credit report.

Furthermore, under 15 U.S. Code 1681b, I assert my right to privacy regarding these late payments. I consider this information private and request that it be deleted from my credit report.

Additionally, 15 U.S. Code 1681a defines the scope of consumer reports. Any transactions between myself and the creditors should be excluded from my credit report. Therefore, I request that you exclude these late payments from my report. 

I request immediate investigation and correction of my credit report to reflect the accurate status of these accounts. Please provide me with written confirmation of the removal of these late payment notations within 30 days.

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 2025-05-15 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: GA

Complaint narrative:
I am writing to dispute the inaccurate reporting of late payments on my credit report related to my student loans serviced by XXXX and DEPT/ED/XXXX. 

Pursuant to 15 U.S. Code 1681s-2, payments made during the COVID-19 pandemic are required to be deferred or forgiven. As such, I request that you remove all late payment notations related to these accounts from my credit report.

Furthermore, under 15 U.S. Code 1681b, I assert my right to privacy regarding these late payments. I consider this information private and request that it be deleted from my credit report.

Additionally, 15 U.S. Code 1681a defines the scope of consumer reports. Any transactions between myself and the creditors should be excluded from my credit report. Therefore, I request that you exclude these late payments from my report. 

I request immediate investigation and correction of my credit report to reflect the accurate status of these accounts. Please provide me with written confirmation of the removal of these late payment notations within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XX/XX/year> I requested debt validation letter from Midland credit for two accounts they did not send me what I requested but sent me court papers to file a judgement with no court date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On or about XX/XX/XXXX ( Exhibit XXXX ), and again on or about XX/XX/XXXX ( Exhibits XXXX and XXXX ), I filed disputes with Equifax regarding a XXXXXXXX XXXX XXXX account ending in XXXX, which was paid and closed around XX/XX/XXXX. Despite my credit report showing the account was closed over a decade ago including Equifaxs own credit report entries ( Exhibits XXXX and XXXX ) that list Date Closed : XX/XX/XXXX and Date Closed : XX/XX/XXXX Equifax denied both disputes. Equifax incorrectly claim the creditor verified that the account " ... HAS NOT BEEN CLOSED ... '' in XX/XX/XXXX. It is clearly contradictory and inaccurate. Equifax  continues to report inaccurate information on my credit file and has wrongfully dismissed legitimate consumer dispute requests. I contacted XXXX XXXX XXXX, who confirmed that the account in question was successfully paid off and closed on or around XX/XX/XXXX. A representative from XXXX XXXX XXXX, also informed me that they submitted a dispute to Equifax requesting the removal of the outdated Paid and Closed account from my credit report. Equifaxs continued reporting of this outdated, closed account : Violates the Fair Credit Reporting Act ( FCRA ) XXXX, which limits how long closed accounts can be reported ( typically no more than XXXX  years ). 
Fails to meet the standard of reasonable procedures to ensure accuracy, as required by FCRA XXXX ( b ). 
Has harmed my creditworthiness by falsely inflating the number of open accounts on my report. 
I am requesting : XXXX. Immediate removal and block of this XXXX XXXX XXXX account from my credit report. 
XXXX. A complete reinvestigation of the dispute based on the evidence I provided. 
Equifaxs response shows a pattern of inadequate investigation, and I believe they are not meeting their obligations under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Capstone Private Mortgage Holdings Limited
State: IL

Complaint narrative:
I took out a loan for my property with this company capstone they never gave me the money for the project instead they kept billing me for money I havent received now Im in court for my property and they trying to sell my property saying I owe XXXX and put they self on my personal credit so it would be hard for me to get another loan I need help as soon as possible this is taking place on the XXXX of next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$170.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 Criminal Complaint # ( private case number ) 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 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 2025-05-15 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by EXPERIAN, EQUIFAX, and TRANSUNION on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : 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 accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1. EXPERIAN, EQUIFAX, and TRANSUNION resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Unethical practices undermine the integrity the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). EXPERIAN, EQUIFAX, and TRANSUNION is flagrantly disregarding consumer protection statutes. I did not receive any notice from : 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 XXXXXXXX accounts on my consumer report providing XXXX the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that EXPERIAN, EQUIFAX, and TRANSUNION remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. 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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: UPGRADE, INC.
State: OR

Complaint narrative:
XXXX XXXX  IS SUPOSE TO BE A SAFE BANK!!?? FDIC NOT!! THEY TRANSFER MY SSIDI BENEFITS.TO A BANK THAT I DID NOT OK IT!! I HAD CALLED THE SO CALLED BANK NAMED UPGRADE INC AND SHE HUNG UP ON ME, THEN I HAD CALLED BACK SPOKE TO SOMEONE WHO? HAD INFORMED ME THAT YES THERE IS MONEY DEPOSITED IN THERE!! WHY?,??!!! I DID NOT OK FOR THIS TO BE OK TO BE TRANSFERED SO WHERE IS MY MONEY!!!??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-15 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:
Complaint Narrative : LexisNexis Risk Solutions is continuing to report an inaccurate XXXX  XXXX XXXX on my consumer report despite repeated disputes and substantial proof of errors in the address associated with the record. 

In CFPB Case # XXXX, LexisNexis responded by claiming the bankruptcy was verified using PACER, and that the address on the docket matches a historical address on file. However, this is false and misleading : The address they report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX The actual bankruptcy record from XXXX lists : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( Spelled XXXX with an i-r, not XXXX ; XXXX XXXX directional marker ; correctly formatted apartment ) LexisNexis altered the public record by correcting the spelling and formatting to justify keeping it on my report. This violates FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ). They have never provided court-certified verification, and PACER itself is not a verification source it is only an online database of public records. 

Additionally : They have labeled my valid dispute as frivolous under FCRA 1681i ( a ) ( 3 ) despite submitting documented evidence of address discrepancies.

They are abusing the frivolous classification to avoid their legal obligation to reinvestigate under FCRA 1681i ( a ).

They have forwarded the dispute to the credit bureaus without correcting their own record, violating FCRA 1681s-2 ( b ).

This is not a duplicate complaint. It is an escalation based on LexisNexis clear refusal to comply with federal law and their misrepresentation of court record data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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