vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: LEXISNEXIS
State: IN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law. 

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-16 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: AL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX Balance {$1700.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX {$2000.00} Open Date XX/XX/XXXX XXXX XXXX {$1700.00} Open Date XX/XX/XXXX XXXX Balance {$550.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$430.00} Open Date XX/XX/XXXX XXXX XXXX {$160.00} Open Date XX/XX/XXXX Inquiries : XXXX Date XX/XX/XXXX XXXX  Date XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I called XXXX and purchased XXXX barstools. Because of an incentive, I decided to pay by opening their XXXX credit card. I decided to return the XXXX barstools so I called XXXX back and on XX/XX/XXXX I was notified by email that they received my return. Then I received a bill but I didn't open it to pay because I had returned the item. Then another bill was sent which noted the return amount of {$700.00} but it also included late fees and paper statement fees plus interest charges. I called XXXX on/around XX/XX/XXXX and they told me I needed to call XXXX. I called them and they removed the late fees. Then again I got another bill and I called again on/around XX/XX/XXXX and again they removed the late fees. Once again the next month I received another statement and I called XX/XX/XXXX and was informed all of these continued fees were from a donation that was made when I purchased the Barstools. I had no idea what she was referring to but I asked what do I have to pay to make this stop. I was told a payment of {$61.00} would take care of it. So I made a payment for that amount over the phone. Then I went back to the first bill they had sent me and noticed there was a charge for XXXX XXXX XXXX donation which I don't remember discussing when I purchased the Barstools over the phone. But either way, the charge makes note of a {$10.00} donation but there was a charge of {$20.00}. I now assumed that with the payment I made of {$61.00} which I was told would take care of it, should more than satisfy this apparent donation charge of {$20.00} that was on my original bill. Then I received another bill for {$42.00} and I called on XX/XX/XXXX and they are not willing to help me get this resolved. I do not want to keep paying more money and being taken advantage of. This is wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-16 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: OH

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for its failure to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ), resulting in the continued reporting of inaccurate and unverified accounts on my credit file. 
On XXXX, I submitted a reinvestigation letter to Experian under 15 U.S.C. 1681e ( b ). This section requires that consumer reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information they include in consumer reports. Despite this, Experian has failed to properly correct or delete the disputed accounts, which continue to appear on my credit report inaccurately. 
Following this, I submitted a second letter that outlined the accounts violations of additional federal statutes : 15 U.S.C. 1681s-2 Furnishers have a legal obligation to report accurate information and to investigate and correct errors upon receiving notice of a dispute. 
15 U.S.C. 1681s-2 ( a ) ( 7 ) Requires furnishers to notify consumers within 30 days of reporting negative information to a consumer reporting agency. I did not receive any such notification. 
15 U.S.C. 1666b This FCBA provision relates to the timely resolution of billing errors on revolving credit accounts. I received no appropriate correction or acknowledgment in response to potential billing disputes. 
Experian has failed to : Conduct a lawful and thorough reinvestigation as required by 1681e ( b ). 
Ensure that the furnishers fulfilled their obligations under 1681s-2 ( b ).

Require or verify that I was notified when negative information was reported, as required by 1681s-2 ( a ) ( 7 ). 
Address potential billing issues as outlined under 1666b, related to any revolving accounts in dispute. 
As a result, inaccurate and possibly obsolete information continues to negatively. affect my XXXX XXXX, causing harm and distressed.

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 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I sent a written complaint already # XXXX Explaining that in the year XXXX  my husband and I acquired a HAMP/FHA mortgage through XXXX supposedly transferred from XXXX . The FHA confirmed the XXXX  XXXX discharge of the mortgage was paid in full XX/XX/XXXX. My husband died suddenly in XXXX. 2 years later a lawfirm recorded 22 fraudulent assignments creating a completely fictitious mortgage in my clerks office! I was not aware my husband 's death certificate was filed there do to his manner of death. They used his information and created a secondary market mortgage with banks that don't even operate in our area! XXXX was only the XXXX XXXX  listed out of 3 real banks along with another 10 fictitious banks, unregistered unlicensed data brokers! XXXX called and confirmed they have never had any accounts with us and they were not taking this action. The status says case closed? No closed for XXXX XXXX  but not U.S.Bank national nor XXXX XXXX XXXX, nor XXXX XXXX XXXXXXXX even though they are not listed but they were the servicer. This is far from resolved! My kid 's and I need help. This was an absolute false claim, fraudulent filings to create a fraud for profit scheme to try and steal our home!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: UT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Reported fraud multiple times and still being found responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-16 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-04-16 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-16 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

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 2025-04-16 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: IL

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-16 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: RI

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 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 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I fully paid off all of my federal student loans by XX/XX/XXXX and had a {$0.00} balance across all accounts. In XX/XX/XXXX, I spoke with a representative from Aidvantage ( formerly XXXX ), and in XXXX I received a refund of around {$7000.00}. I accepted the refund in good faith, believing it was part of COVID-era relief or an overpayment refund. 
At no time was I told, verbally or in writing ; that accepting the refund would reinstate my loans or create a new balance. I later discovered that my loans had been reopened and I now owe the same amount I was refunded. 
I called Aidvantage, and while they claimed I requested the refund, they could not provide any documentation showing I was informed of any consequences. I have saved documentation showing all of my loans were paid in full prior to the refund. 
Ive already submitted a formal dispute with the Department of Education ( case XXXX XXXX ) and am requesting CFPB assistance in investigating this issue and ensuring that the reinstated balance is removed. 

I graduated in XXXX from the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ), which officially closed around XXXX. The school was part of a network of for-profit institutions that faced legal action for misleading students, and I believe that may be relevant context in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
Upon reviewing my credit report, I noticed a late payment listed on equifax account XXXX XXXX that I believe is inaccurate. I have maintained on-time payments and do not have documentation showing that this payment was legitimately XXXX  days late. This was also being reported onto XXXX but XXXX fixed it on their end so there's inaccuracy. Im requesting you to update this account to paid as agreed or never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reached out to the Bureaus about the mistakes and strange entries on my credit report, but its been over XXXX days and I still havent received a response. It feels like my concerns are being ignored, and Im starting to feel exploited. According to Section 611 ( a ), if these problems arent looked into within XXXX  days, they should be cleared from my credit report right away. I might have to consider legal action because this whole situation is really XXXX  me out.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief