vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
To Whom It May Concern, Subject : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Consumer Number : XXXX Case Number : XXXX I am writing to formally dispute fraudulent information appearing in my consumer report, as provided under the Fair Credit Reporting Act ( FCRA ). Upon recent review of my consumer file, I discovered a civil judgment listed under SECTION XXXX : Lien, Judgment, and Civil Filing Records, associated with the following : Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Company Name : XXXX XXXX XXXX XXXX XXXX Please be advised that I have never resided at the above address and have never conducted business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX I believe this civil judgment is the result of identity theft and therefore constitutes a fraudulent entry on my report. 

In accordance with Section 609 of the FCRA, and specifically Section 609 ( c ) ( B ) ( iii ), which grants consumers the right to dispute inaccurate information in their credit files, I am exercising my legal rights by requesting a thorough and prompt investigation into this matter. 

For your review, I have attached the following supporting documentation : A copy of my FTC Identity Theft Affidavit A copy of my government-issued photo ID I hereby request that you : Initiate an immediate and comprehensive investigation into this entry. 

Remove the fraudulent civil judgment from my credit file. 

Provide me with a written confirmation of the outcome of your investigation. 

Send me an updated copy of my consumer report reflecting only verified, accurate information. 

Should you fail to properly investigate or continue to report this erroneous item, please be advised that I will pursue all remedies available to me under the FCRA, including the possibility of legal action. 

Thank you for your prompt attention to this matter. I expect your investigation to be completed and a response provided to me within the required timeframe of 30 days, as mandated by the FCRA. 

Sincerely, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this complaint against National Credit Systems for willfully and unlawfully reporting an eviction on my credit report in violation of multiple consumer protection laws. This eviction is being reported inaccurately and without proper documentation or legal authority. 
Violations Committed : 1. Fait credit reporting act ( FCRA ) - 15 U.S.C. 1681i and 1681s-2 ( b ) The furnisher failed to conduct a reasonable investigation and continues to report unverifiable and misleading information.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C 1629e The reporting of this eviction is deceptive, as no final judgement or public record proving I legally owe this debt has been provided.

3. Gramm-Leach Billey Act ( GLBA ) Privacy Violation The agency is reporting alleged eviction information that may have been obtained improperly or without permissible purpose under 6801. 

4. No proof of ownership or assignment of debt, the furnisher has not presented a lease, judgement, or chain of assignment to prove standing.

Despite my previous disputes, this account remains on my credit file without verification or validation. I demand a full deletion of this eviction entry and a full investigation into this furnisher reporting practices. This account is damaging my ability to obtain housing and is being maintained without lawful justification.

If this is not resolved immediately, I will escalate this matter with the FTC, state attorney general, and pursue civil action for willful non-compliance and credit defamation under 15 U.S.C. 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: GA

Complaint narrative:
i received a call from social security stating that my identity had been stolen and that it seems they were using my information to rent cars, purchase hotel rooms and were engaging in transporting narcotics in the XXXX area. they confirm to me that they are drug XXXX  's. And that my personnel information was probably purchased on the dark web. Social security and IRS are not sure how long they have been using my 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 2025-06-15 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: GA

Complaint narrative:
i received a call from social security stating that my identity had been stolen and that it seems they were using my information to rent cars, purchase hotel rooms and were engaging in transporting narcotics in the XXXX area. they confirm to me that they are drug XXXX  's. And that my personnel information was probably purchased on the dark web. Social security and IRS are not sure how long they have been using my information,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: MO

Complaint narrative:
I formally disputed the reporting of an open XXXX XXXX XXXX auto loan account ( Account # : XXXXXXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$12000.00} ) due to material inaccuracies and FCRA violations across Equifax, Experian, and TransUnion. Despite my disputes, the account continues to be misreported. 

FCRA Violations and Inconsistencies : 607 ( b ) : Failure to ensure accuracy and consistency Delinquency status is conflicting : Experian : 180 days past due TransUnion : 120 days past due Equifax : different tier entirely Last activity or update dates are inconsistent : Equifax shows a recent update as of XX/XX/XXXX Experian lists last activity as XX/XX/XXXX Reporting/verification dates do not align between CRAs 623 ( a ) ( 3 ) : Failure to reflect dispute status Dispute status is shown on some reports but missing from Equifax, violating the requirement to indicate that an account is disputed across all CRAs.

611 : Failure to conduct proper reinvestigation Despite multiple discrepancies and a prior dispute, no meaningful correction or uniformity has been achieved. The inconsistencies continue, harming my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: CO

Complaint narrative:
XXXX XXXX, {$1700.00} balance, showing {$3500.00} balance, not updated for XXXX days XXXX, {$0.00} balance, showing {$2000.00} balance, not updated for XXXX days I called Transunion to ask to have the balances properly updated. No action has been taken. This action affects my credit score negatively.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans union failed to remove charged off items off my credit they also have my identity theft police report to have all negative inquiries removed

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 2025-06-15 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 Experian

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: MO

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Healthcare Finance Direct LLC.
State: HI

Complaint narrative:
I started treatment with XXXX in XX/XX/XXXX using my passport, as I did not have a Social Security Number ( SSN ) at the time. After several months with no visible results and long gaps without receiving aligners, I requested the cancellation of my treatment and communicated that I did not wish to continue paying for a service I was not receiving. 

On XX/XX/XXXX, XXXX filed for bankruptcy. After that, I received emails from Healthcare Finance Direct ( HFD ) stating that they had taken over financial responsibilities and that XXXX was no longer handling anything. I informed HFD that I had not received any aligners or services for months and asked them to cancel my account and stop charging me. However, they refused and continued sending payment requests. 

In XX/XX/XXXX, XXXX offered me a full balance waiver of {$1100.00}, contingent upon signing a XXXX XXXX form. I accepted in writing and followed up multiple times, including on XX/XX/XXXX, but they never sent the form. 

Despite all this, the debt was sent to XXXX, and on XX/XX/XXXX, a charge-off/collection derogatory was reported on my credit history under : Original lender : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ) XXXX. 

The collection entry incorrectly links this debt to my SSN, even though I never provided an SSN when I initiated treatment. 

This situation has severely impacted my credit score and caused me financial harm. I am requesting the immediate removal of this collection from my credit report, cessation of all collection activity, and written confirmation that this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report I am upset because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. No information was sent to me.

Reporting unverifiable or inaccurate data on my credit report is a violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: NY

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 XXXX  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. 
XXXX  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 : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
XXXX XXXX XXXX XXXX....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I wrote to formally dispute an unauthorized charge on my Citibank credit card and to request a thorough reinvestigation of this fraudulent transaction. 
Transaction Details Date : XX/XX/XXXX Amount : {$360.00} Merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Card : XXXX Circumstances of the Fraud Neither my wife nor I have ever visited this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nor have we made any purchases from this retailer. At the time of this transaction : My physical credit card remained in my possession at all times My wife was traveling in XXXX ( I previously provided her flight documentation to verify her location ) Neither of us authorized this purchase I immediately contacted your fraud department upon discovering this charge and have made multiple attempts to resolve this matter. 
Response to Citibank 's Initial Decision Your fraud department rejected my dispute claim, stating that the transaction was processed using the card 's chip technology by an Authorized user, which is my wife. However, my wife was in XXXX, and I was working at that time, and the use of chip technology does not eliminate the possibility of fraud. Credit card chips can be compromised through : Skimming devices at compromised terminals Card cloning technology Data breaches at retailers Employee fraud at merchant locations

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 monetary relief
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
FCRA violation loan not mine : XXXX  XXXX, FCRA violation inquiry not mine : 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 2025-06-15 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent activity.

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 2025-06-16 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these as accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: OH

Complaint narrative:
FCRA 605B, 611, and 1681i Formal Legal Notice and Demand for Immediate Deletion, Verification Proof, and Suppression of Fraudulent Account You are hereby formally notified, under federal law, of a fraudulent account being reported on my credit file. This is not a request. This is a legal demand for immediate action under the Fair Credit Reporting Act ( FCRA ). 
Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date XXXX Pursuant to FCRA 605B, you are legally obligated to block and remove this account within four ( 4 ) business days of receiving this notice. Failure to comply would constitute a direct violation of federal lawnot a discretionary oversight. This account is not only inaccurateit is fraudulent, and your continued reporting of it constitutes a deliberate violation of your duty to report only accurate, verified data. 
Under FCRA 611 and 1681i, any attempt to verify this account must be supported by formal, sworn documentationsigned, dated, and originating from the original creditor. Internal notes or unverifiable data will be treated as an outright violation of FCRA obligations. Reproducing unverifiable data does not constitute verificationit is a violation of your obligations under FCRA 1681i ( a ) ( 1 ) ( A ) and 611, which require you to conduct a reasonable reinvestigation and ensure the accuracy of 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 2025-06-16 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: CL Holdings LLC
State: FL

Complaint narrative:
CREDITOR CONTACT INFORMATION : ; JEFFERSON CAPITAL SYSTEMS {$1500.00} was paid in the Year XXXX  ; I requested to obtain my Legal Proofs of Payments ; My payment status shows, should NOT read, as follows : ; " Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '' ; Please call me at the following telephone number below : ; XXXX ; to correct the above detailed legal matter ; ; Sincerely, ; XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report.

I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus & data furnishers improperly investigating my disputes, as required under 15 usc 1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
Last reported XX/XX/2025 Opened XXXX XXXX Amount XXXX Nothing was done at all no investigations and no results or response

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