vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
Dear Compliance Officer, I am submitting this formal identity theft dispute under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). The following item ( s ) appearing in my consumer file are the result of identity theft and must be immediately blocked and deleted : [ List fraudulent account ( s ) or entry details include account number, institution, date opened, etc. ]

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: LA

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of certain information in my consumer report maintained by your agency pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Specifically, the following information is inaccurate, unverifiable, and/or outdated : [ Describe the item ( s ) you dispute clearly, including account numbers, dates, and details ] Under 1681e ( b ) ( Procedures to Ensure Maximum Accuracy ) and 1681i ( Reinvestigation of Disputed Information ), you are legally required to conduct a reasonable reinvestigation of this disputed information within 15 days of receiving this notice.

If you are unable to verify the accuracy and completeness of this information, you must delete it promptly from my file to comply with the law.

Furthermore, under 1681g ( Full File Disclosure ), I request a complete copy of all information in my file related to these disputed items, including the sources of the information, the parties who have accessed my file, and the purposes for which it was accessed.

Be advised that failure to comply with these statutory requirements within 15 days will be considered a willful violation of the FCRA, and I am prepared to take legal action under 1681n and 1681o for actual, statutory, and punitive damages, including attorneys fees.

Please confirm receipt of this letter and provide me with your investigation results, as well as the requested full file disclosure, within the 15-day statutory period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I am filling to formally dispute the accuracy and completeness of several accounts reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ], I request a thorough reinvestigation of the following accounts and entries, as they may be inaccurate, incomplete, or unverified XXXX XXXX XXXXXXXX BALANCED {$77.00} XXXX XXXXXXXX BALANCED {$0.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$17000.00}.

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 2025-06-02 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I was scammed on an online shopping website and Ive disputed the transaction over 10 times and I keep being denied. They keep telling me the merchant fulfilled the order when the merchant has not. I havent received a tracking number, a email back or any order status update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This complaint is in reference to a hard inquiry from XXXX XXXX, dated XX/XX/year>, which appears on my TransUnion credit report. 

I have not applied for credit, loans, or any services with XXXX XXXX and never authorized this institution to access my credit file. Furthermore, there is no account from XXXXXXXX XXXX  listed on my TransUnion report. 

Under FCRA 604 ( a ) ( 3 ), hard inquiries must be based on a permissible purpose and require consumer authorization. Since I never gave such authorization and no credit relationship exists, this inquiry appears to be both inaccurate and potentially unlawful.

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 2025-06-02 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : XXXX. Conduct a thorough and impartial reinvestigation of the disputed items. 
XXXX. Delete or correct all inaccurate, incomplete, or unverifiable information. 
XXXX. Provide me with a copy of the updated credit report reflecting these changes. 

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 explanation
Consumer complaint received 2025-06-02 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 Systems,Inc.
State: CA

Complaint narrative:
Equifax is reporting a collection from NCS for XXXX XXXX XXXX that is legally deficient under the FCRA. NCS failed to provide documentation meeting FCRA standards : no valid lease proving liability, no itemized charges, and no proof they own or are authorized to collect the debt. They also admitted they are not the debt owner. Furthermore, XXXX XXXX XXXX XXXXXXXX, which XXXX  continues to report, was confirmed vacant and not tied to this alleged debt. This inaccurate reporting is harming my access to housing and credit. Immediate removal is warranted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
I have identified the reporting of the information on my consumer report that is a result of identity theft. These information are not related to any transactions by me. Its unauthorized. PLEASE DELETE INQUIRIES ... XXXX XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year> XXXX, I ONLY LIVE AT XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX PLEASE DELETE ALL OTHER ADDRESSES. ADDRESS XXXX XXXX XXXX XXXX NY XXXX, NOT MINE, XXXX XXXX XXXX XXXX XXXX, OH XXXX, NOT MINE, DELETE XXXX XXXX XXXX XXXX, TX XXXX, NOT MINE, XXXX XXXX XXXX XXXX, NY XXXX, NOT MINE, XXXX XXXX XXXX XXXXXXXX, NY XXXX. I NEVER LIVED AT ANY OTHER ADDRESS. MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.SC.

& 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

I appreciate your prompt attention on this matter, and await your reply.

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 2025-06-02 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: TN

Complaint narrative:
I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your company. I request that you investigate the following items and respond to me within 30 days of your receipt of this letter, in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. For your reference, I am enclosing a copy of my recently obtained report and other documentation that supports my request. 
Account name 1 : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 The following account does not belong on my credit report : ( creditor name, account #, reason why the account should be removed : too old, belongs to another person, other ) With that respectfully being said, The listed above Accounts and inquiries does not belong on my credit report : My personal data is inaccurate and The following accounts is described erroneously and needs to be removed When your company has corrected the inaccurate information described above, please send a corrected report to me and to anyone else who has requested a copy of my credit file within the last six months In the event that your company does not respond to my request within 10 - 30 business days, I will assume that you are unable to verify the information, which means you must immediately remove the accounts and inquiries. 
Sincerely, Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone # XXXX Ssn : XXXX Birthdate : XX/XX/year> Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
Between XX/XX/XXXX and XX/XX/XXXX, I applied for several credit and auto finance products and was denied due to a collection account that was inaccurately reported on my Experian credit report. 

The account was settled in full on XX/XX/XXXX, but Experian continued to report it as active and unpaid, even though it no longer appeared on XXXX  or XXXX. I submitted a dispute to Experian in XX/XX/XXXX, but they failed to correct or remove the account. 

This inaccurate reporting caused multiple denials, including from XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. My most recent denial occurred in XX/XX/XXXX, more than a year after the debt was settled. Several denial letters name Experian as the bureau used during the decision. 
I am requesting : Immediate correction or deletion of the inaccurate collection account Removal of all hard inquiries associated with denials tied to the inaccurate report Review of Experians failure to comply with FCRA, despite a valid dispute and supporting documentation I have proof of payment, confirmation from the collection agency, and multiple denial notices. This situation has set me back financially and personally by at least two years.

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 2025-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Company has reported the account is a charge off account and I did not receive any information on that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: MN

Complaint narrative:
I hope you're well. I'm reaching out with a very clear and serious request regarding my account. Please certify that every single piece of data associated with this account belongs to me and no one else. I need your full XXXX XXXX confirmations or partial answers.

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 2025-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I received an email on XX/XX/2025 that I my payment was 15 days past due. I was never even told that my lender was being changed or that my $ XXXX  monthly payment plan was ending. Now I have at least {$150.00} in late fees on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$970.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$970.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX # 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 2025-06-02 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: TN

Complaint narrative:
XXXX XXXX showing XXXX different closed account statuses under my credit report.

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 2025-06-02 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: TN

Complaint narrative:
XXXX XXXX showing XXXX different closed account statuses under my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BC SERVICES, INC.
State: AR

Complaint narrative:
I tried to set up payments after being told that if I didnt start back paying theyll sue but they wouldnt let me decide what payments were affordable for me. They decided what my monthly payments would be. Which isnt right. I should be able to decide what payment works best for me. I would prefer if we could settle this without going to court and settle on the amount of debt and have a mutually agreement on how much I would pay a month.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall 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.

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