vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: NJ

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  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX -- {$780.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXXXX/XX/XXXX -- {$75.00} XXXX XXXX XXXX XXXX XXXX  -- {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$5400.00}

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 2025-06-25 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive had active credit history since XXXX, including personal credit cards and credit builder loans, which report correctly to XXXX XXXX XXXX  However, my Equifax credit report was nonexistent until recently. I submitted a complaint to CFPB earlier this year, and Equifax responded that they could not locate a file. Recently, a file was created, but it only includes a XXXXXXXX XXXX account ( XXXX XXXX ), and none of my other open and active accounts have been reflected. 

This incomplete reporting is affecting my financial decisions and access to credit, as some institutions rely exclusively on Equifax. I am legally entitled to have all my active credit accounts reflected on all three credit bureaus, and the data is clearly available on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: OH

Complaint narrative:
LEXISNEXIS REFUSES TO " REMOVE '' THE DISPUTED DATA, AS REQUESTED. 

THEY HAVE NOT LEGALLY VERIFIED THE DATA, AS REQUESTED. 

THEY HAVE CLAIMED TO VERIFY THE DATA, YET HAVE NOT PROVIDED DETAILED INFORMATION FROMT THEIR CLAIMED SOURCE, ONLY THE NAME AND ADDRESS OF PACER AND THEMSELVES. 

THEY HAVE ADMITTED TO VERIFYING THE DATA THROUGH : -THEIR OWN RECORDS -A XXXX XXXX XXXX XXXX XXXX  AND XXXX  THESE 3RD PARTIES- ARE NOT- THE SOURCE, INTENTIONALLY REPORTING UNVERIFIED DATA AND ONLY CHOOSING TO " CORRECT '' THE REPORT BASED OFF THEIR ILLEGAL INVESTIGATION METHODS. 

THEY IGNORED NUMEROUS DISPUTES AND REQUESTS TO " REMOVE '' THE UNVERIFIED DATA, UNTIL A COMPLAINT WAS FILED WITH CFPB, ONLY THEN MAKING CLAIM TO VERIFYING THE DATA THROUGH 3RD PARTIES, CHOOSING TO " CORRECT '' THE DATA ; VIOLATING TITLE 15 1681i ( specifically ( 5 ) -Treatment of UNVERIFIABLE INFORMATION : " promptly delete that item of information '' ) THEY HAVE LIED IN THEIR CFPB RESPONSE BY STATING THAT THEY RECEIVE THE DATA FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX  YET THESE 3 AGENCIES STATE, CLEARLY, ON THEIR REPORTS THAT THEY RECEIVE THE DATA FROM LEXISNEXIS . 

WITH MULTIPLE LEGAL VIOLATIONS, PROVEN THROUGH THE DOCUMENTATION PREVIOUSLY SUBMITTED, IT IS OBVIOUS THAT LEXISNEXIS IS INTENTIONALLY CAUSING HARM TO ME, PURPOSELY TAKING AN INITIATIVE TO DAMAGE MY CHARACTER, RESTRICT MY ACCESS TO CREDIT, AND CAUSE UNNECESSARY STRESS AND ANXIETY TO ME. 

I AM ASKING ONCE MORE, AS I HAVE SEVERAL TIMES SINCE THE INTIAL DISPUTE IN XX/XX/year> ( sent certified mail ; identity verified through LexisNexis portal ) TO REMOVE THE UNVERIFIED DATA. LEXISNEXIS IS NOT ONLY VIOLATING THE LEGAL STATUTES THAT REGULATE THEIR PERFORMANCE, YET THEY ARE VIOLATING MY RIGHT TO ACCURATE, COMPLETE, AND VERIFIABLE CREDIT REPORTING AND HAVE BEEN FOR THE LAST 7 MONTHS WITH NO RECOURSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Account Name : XXXX Account Number ( Partial ) : XXXX Dear Experian Dispute Department, This is a formal dispute letter pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair and Accurate Credit Transactions Act ( FACTA ), regarding the account listed above that is currently being reported on my Experian credit file with multiple late payment notations. 

Upon reviewing my credit file ( report dated XX/XX/XXXX ), I noticed that XXXX is inaccurately reporting six late payments, some as severe as 90 and 120 days past due. I am requesting immediate investigation and removal of these derogatory remarks for the following reasons : Lack of Verification & Documentation : Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), Experian is legally required to verify the accuracy of any disputed item. If XXXXXXXX can not provide a full account history, original signed agreement, and payment breakdown, including specific dates of delinquency, the item must be removed immediately. 

Incomplete and Unreliable Reporting : The reporting history shows significant inconsistencies and gaps in reporting ( e.g., no data for several months ), which violates the FCRAs standard for completeness and accuracy under 1681e ( b ). If the information can not be 100 % verified as accurate and complete, it must be permanently deleted. 

Data Compromise and Security Concerns : My personal data was part of the widely known XX/XX/XXXX Experian breach affecting over 15 million consumers, as documented on page 2 of my report. Given this, I demand enhanced scrutiny of all tradelines reporting derogatory marks that may be the result of identity compromise.

I demand that you : Conduct a thorough reinvestigation of this account with full documentation from XXXX. 

Provide me with written proof from XXXX verifying the validity and accuracy of each late payment reported. 

Delete this negative information from my file permanently if verification can not be completed within 30 days per 1681i ( a ) ( 5 ) ( A ). 

Be advised : failure to respond with sufficient documentation or to remove unverifiable or inaccurate data will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Virginia Attorney Generals office for violations of federal consumer credit protection laws. 

Please send written confirmation of the results of your investigation and any updates made to my credit report to the address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: VA

Complaint narrative:
Account Name : XXXX Account Number ( Partial ) : XXXX Dear Experian Dispute Department, This is a formal dispute letter pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair and Accurate Credit Transactions Act ( FACTA ), regarding the account listed above that is currently being reported on my Experian credit file with multiple late payment notations. 

Upon reviewing my credit file ( report dated XX/XX/XXXX ), I noticed that XXXX is inaccurately reporting six late payments, some as severe as 90 and 120 days past due. I am requesting immediate investigation and removal of these derogatory remarks for the following reasons : Lack of Verification & Documentation : Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), Experian is legally required to verify the accuracy of any disputed item. If XXXXXXXX can not provide a full account history, original signed agreement, and payment breakdown, including specific dates of delinquency, the item must be removed immediately. 

Incomplete and Unreliable Reporting : The reporting history shows significant inconsistencies and gaps in reporting ( e.g., no data for several months ), which violates the FCRAs standard for completeness and accuracy under 1681e ( b ). If the information can not be 100 % verified as accurate and complete, it must be permanently deleted. 

Data Compromise and Security Concerns : My personal data was part of the widely known XX/XX/XXXX Experian breach affecting over 15 million consumers, as documented on page 2 of my report. Given this, I demand enhanced scrutiny of all tradelines reporting derogatory marks that may be the result of identity compromise.

I demand that you : Conduct a thorough reinvestigation of this account with full documentation from XXXX. 

Provide me with written proof from XXXX verifying the validity and accuracy of each late payment reported. 

Delete this negative information from my file permanently if verification can not be completed within 30 days per 1681i ( a ) ( 5 ) ( A ). 

Be advised : failure to respond with sufficient documentation or to remove unverifiable or inaccurate data will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Virginia Attorney Generals office for violations of federal consumer credit protection laws. 

Please send written confirmation of the results of your investigation and any updates made to my credit report to the address listed above. 

Sincerely, 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 2025-06-25 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
I am a victim of identity theft. I never gave anyone permission or authorization to open this XXXX XXXX account XXXX. This account needs to be removed from my credit profiles

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 2025-06-25 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: NC

Complaint narrative:
I am a victim of identity theft. I never gave anyone permission or authorization to open this XXXX XXXX account XXXX. This account needs to be removed from my credit profiles

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
In XXXXXXXX XXXX XXXX a loan was opened with the US debt of education in my name of XXXX dollars which I did not open. In XXXX I learned of this because of my decreasing credit score. I never opened this loan. My credit history and account are all responsibly paid off. There are also phone numbers and addresses on my credit report I have never used. 

XXXX XXXX XXXX XXXX NJ, XXXX. Ive never lived here. 

( XXXX ) XXXX Ive never had this number ( XXXX ) XXXX Ive also never had this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX XXXX, I sent {$500.00} through XXXX to someone, who is XXXX XXXX. I believed he was a legitimate dog breeder because he sent multiple pictures and videos of a dog named XXXX, including a video where they said the dogs name aloud. Also, on the website, there were a few reviews as well. 
I even tried using XXXX image search on the photos they sent me, but nothing came up they seemed unique and gave the impression that this was a real, private seller. That made it even harder to detect it was a scam. 
I later found out the video was fake, and the audio was manipulated. After I sent the payment, the person disappeared and stopped responding it was clearly a scam. 

Within XXXX minutes of sending the payment, I called my bank and explained what had happened. The transaction was still listed as pending, but the bank told me the funds had already been sent to the scammers bank and that they could not stop or reverse it. I asked why they didnt immediately contact the receiving bank to try to freeze or recall the funds, but I was not given a clear explanation. 

Later, I received a letter saying my case was denied. However, when I called back again, a representative told me that the bank had actually contacted the scammers bank and was trying to investigate. This was confusing and gave me mixed messages. I believe the bank could have done more when I first reported the fraud so quickly after the transaction.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
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 2025-06-25 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: NJ

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 ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$780.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX XX/XX/XXXX -- {$75.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$5400.00}

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 2025-06-25 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MO

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 explanation
Consumer complaint received 2025-06-25 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
I am processing disputes on behalf of inaccurate information reported to my credit profile not following the FCRA & FDCPA laws also I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15UC 1681c-2 ( a ) & include the FCRA & FDCPA l This has caused major inaccuracies reported a false information listed that is hindering my credit score and credit profile. These disputes needs to be investigated and resolved asap. Please review to remove all listed items reported to my dispute filing ASAP.

Company response to consumer: Closed with non-monetary relief