vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being XXXX XXXX accurate under XXXX XXXX XXXX XXXX ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-04-18 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: FL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: VA

Complaint narrative:
I am writing to file a formal dispute against XXXX XXXX for inaccurate and inconsistent reporting on my credit file across the three major credit bureausEquifax, TransUnion, and Experian. 

The account in question is showing significant discrepancies in payment status : Experian reports the account as XXXX  days delinquent as of XXXX and XX/XX/year>. 
TransUnion shows the account as XXXX  days past due in XX/XX/year>. 
Equifax also reports the account as XXXX  days past due in XXXX and XX/XX/year>. 

These inconsistent and outdated entries reflect conflicting levels of delinquency and violate the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy. 

I have previously disputed this information with the bureaus, yet it continues to be reported inaccurately without verification. This ongoing issue has negatively impacted my credit score and financial reputation. 

I respectfully request that the CFPB investigate this matter and direct XXXX XXXX and the credit bureaus to : 1. Conduct a full reinvestigation of this account ; 2. Provide documentation supporting the reported delinquencies ; 3. Remove or correct any unverifiable or inaccurate information 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 non-monetary relief
Consumer complaint received 2025-04-18 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 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: VA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-18 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: OH

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 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 have not supplied proof under the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
I am a victim of dark web data breach since XX/XX/XXXX. Imposter unauthorized using my personal information to apply new deposit accounts with XXXX XXXX on XX/XX/XXXXXXXX  and with E-Trade ( Morgan Stanley ) on XX/XX/XXXX. Fortunately, XXXX XXXX declined the scammer application. However, E-Trade ( Morgan Stanley ) opened new checking and saving accounts and sent the debit card and check books to my house. Therefore, I was able to call the bank to report the scam and cancelled both accounts on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX 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 Criminal Complaint XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
My account was closed without explaining why my stocks and money were also closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
Recently Checking My credit Report I Noticed I've been a victim of Identity and Found Numerous Credit Inquires I have No Knowledge of here are the inquires that I've found XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX remove these Fraudulent inquires From my credit report. I also attached my identity theft report as well.

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 2025-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Website : XXXX  I am submitting this complaint regarding inaccurate information reported on my credit report by XXXX. 

* * Details of the Complaint : * * XXXX, 2025 I obtained a copy of my credit report from XXXX  and noticed inaccuracies that are negatively impacting my credit score. Specifically, I found that payments that are incorrectly reported as late, etc. ] My account was put in deferment and forbearance. It also just says 90 past due and no proof of the 30 and 60 day mark, with a balance of {$64000.00} I have made multiple attempts to contact XXXX  to rectify this issue. I sent a dispute letter on XX/XX/year> and provided necessary documentation to support my claim. Despite this, XXXX  failed to correct the inaccuracies within the required time frame. 

I believe that XXXX  has violated the Fair Credit Reporting Act ( FCRA ) by not investigating my dispute adequately and reporting false information. 

I am requesting the following actions to be taken : 1. Immediate correction of the inaccurate information on my credit report. 
2. A written confirmation of the corrections made. 
3. Compensation for any damages caused by the inaccurate reporting, if applicable. 



Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX XXXX, XXXX  I was notified by XXXX of a new hard inquiry from XXXX, originating from Citibank. I contacted Citibank to learn about the origin of the request and they directed me to XXXX. I've contacted XXXX  to file a dispute, they completed and said the inquiry was factual. I did not apply for any lines of credit, this is fraud. I contacted XXXX after and they directed me to the FTC/CFPB to file a report and then said to file another dispute...

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 2025-04-18 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX  XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX  XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX  ( XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-04-18 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: LEXISNEXIS
State: FL

Complaint narrative:
To the Consumer Financial Protection Bureau, This is a follow-up to CFPB Case # XXXX regarding LexisNexis Risk Solutions and their continued unlawful reporting of bankruptcy record Case No. XXXX on my consumer file. 

In their XX/XX/year> response, LexisNexis again cited PACER as their source of verification. Let me be absolutely clear : PACER is not the originating source of any bankruptcy filing. It is merely a third-party public records access portal. LexisNexis has failed to obtain verification directly from the U.S. Bankruptcy Court, nor have they provided any original court documents or legal filings bearing my signature or submitted by me personally. 

Their refusal to produce verifiable documentation establishing that I filed for bankruptcy is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation after receiving my dispute.

15 U.S.C. 1681g ( a ) Failure to provide me with complete disclosure of the information in my file.

15 U.S.C. 1681s-2 ( b ) Failure to correct or delete inaccurate information after dispute notification.

LexisNexis ' claim that the address on the bankruptcy matches mine is not sufficient legal evidence to justify the continued reporting of a public record that they have not properly validated. They are continuing to associate a bankruptcy with my identity without directly verifying it through the originating court or providing legally binding proof that I filed it. This is reckless and negligent.

Legal Action and FTC Complaint Notice LexisNexis is hereby formally notified that I will be filing a federal lawsuit against them on XX/XX/year> for willful and negligent noncompliance with the FCRA. Under : 15 U.S.C. 1681n, I am entitled to {$1000.00} per willful violation, and 15 U.S.C. 1681o, I am entitled to damages for negligent violations of the Act.

In addition, I will be submitting a formal complaint to the Federal Trade Commission ( FTC ) for deceptive and harmful reporting practices that have severely impacted my credit profile and reputation. 

Relief Requested I demand that the CFPB require LexisNexis to provide certified court documents bearing my legal signature, or documents submitted on my behalf, directly from the U.S. Bankruptcy Court, not PACER.

If LexisNexis can not produce such evidence, the record must be permanently removed from my consumer file.

The CFPB should consider enforcement action for repeated, willful violations of federal law. 

LexisNexis has ignored their obligations under the law and failed to meet the burden of proof for reporting public records. I will no longer tolerate this unlawful conduct. The time for compliance is over. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-18 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: PA

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CO

Complaint narrative:
After sending the attached letter requesting my personal information be corrected on my current credit report, the company responded and ADDED additional incorrect information and NOT removeing the incorrect information as I requested.

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 2025-04-18 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief