vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Denied a XXXX XXXX, card for not having tradelines longer than 6 months per Experian. Experian has failed to updated my numeric credit score that the agency has violated previous, and broken breech of personal information. Experian has my ID, SSN, and recently sent via email stated address was updated without consent. Experian was well in the past deleteing accounts that was not properly verifed and I have the proof from agency that stated the accounts should be removed. However, during the past the numeric credit score was there to see along with fico. I have attached over two reports that changed in XXXX  while disputes. Previous complaints are proof of record, of admittance and violations. 
XX/XX/year> : report number XXXX, report # XXXX XXXX, XX/XX/year> report # XXXX, then 15 days later XX/XX/year> report # XXXX, then XX/XX/year> report # XXXX my credit number was gone all this was done in a retatilation of disputing the law with the agency. My tradelines that are closed have a three year history and paid in good standing but agency is not providing credit. And as the secured creditor has not be acknowledge since XX/XX/year>. And by law this is settle under full faith and credit.

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 2025-07-23 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: MI

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-23 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: MI

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies
State: DC

Complaint narrative:
XXXX XXXX reported today XX/XX/XXXX that I have a derogatory account with a balance of {$37000.00} which is another attempt to mess up my credit because I reported them to the CFPB. As usual Experian put it on my credit report without checking proper information. My account with XXXX XXXX was charged off and closed in XXXX but they are constantly reporting false information to mess up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TN

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 explanation
Consumer complaint received 2025-07-23 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:
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 2025-07-23 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: VA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-07-23 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: VA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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 writing to inform you that I am a victim of identity theft resulting from the Equifax Data breach. My personal information has been exposed and compromised due to the breach. This has impacted my credit and personal information drastically I have faced ongoing challenges including unauthorized, unverified accounts In my name I am under great distressed. As a victim I urge the CFPB to continue strengthening protections, improve transparency and hold all responsible parties accountable please and thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-07-23 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: NC

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/year>, I sent a certified debt validation letter to LVNV Funding LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX ) requesting verification of an alleged debt. This was done under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

They received the letter on [ insert XXXX delivery date ] as confirmed by XXXX XXXX Mail. It has now been over XXXX days, and they have not responded or provided any of the requested validation documents. 

Despite this, the company ( or its agents ) may have continued collection activity, which would be a violation of federal law. 

I am requesting that the CFPB investigate and ensure that LVNV Funding LLC complies with federal consumer protection laws. I have documentation to support my claim, including the original letter and proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I am filing this complaint because Experian continues to report XXXX charge-off accounts from XXXX XXXX that are inaccurate, misleading, and severely damaging to my credit profile. These accounts include XXXX reported on XX/XX/XXXX, with an alleged balance of {$1100.00} under account number ending in XXXX, and another reported on XX/XX/XXXX, for {$2900.00} under account number ending in XXXX. I have repeatedly disputed both items directly with Experian, providing detailed explanations and requesting a reinvestigation as required by federal law. Despite this, Experian has kept both entries on my report without conducting what I believe to be a lawful or thorough reinvestigation. 

Experian is required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) to reinvestigate disputed items and remove them if they can not be verified. The law doesnt permit a credit bureau to simply echo whatever the furnisher claims without ensuring that the information is fully documented, accurate, and not outdated or duplicated. In this case, Experian has continued reporting both of these XXXX XXXX charge-offs despite failing to provide any documentation that validates their legitimacy, such as the original signed contract, a full billing history, or account records that show how these balances were incurred. 

I have strong reasons to believe that these accounts may have been reported in error, potentially due to a data compromise that has affected my credit history. The fact that both charge-offs appear to come from the same lender within a close timeframe raises serious red flags about whether these entries are duplicated or misattributed. Furthermore, Experian has not shown that it exercised its duty to ensure the " maximum possible accuracy '' of my file under 15 U.S.C. 1681e ( b ). Instead, it appears the bureau is blindly relying on electronic data furnished by XXXX XXXX, without independent verification or validation. 

The continued presence of these XXXX entries has caused me immense harm. I have been denied credit, subjected to predatory interest rates, and lost access to financial opportunities that I otherwise would have qualified for. The stress of having to explain these disputed items to lendersover and overhas been exhausting and demoralizing. The emotional toll of knowing that a credit bureau can neglect its legal duty and allow harmful inaccuracies to persist without consequence is not something I should have to endure. I have done everything in my power to address these items respectfully and correctly, but Experians failure to take my disputes seriously has left me with no other choice but to escalate this issue through formal regulatory channels.

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 2025-07-23 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: FL

Complaint narrative:
I discovered significant inaccuracies in my credit report that have had a damaging effect on my credit score. These discrepancies include \ [ list the inaccurate informatione.g., incorrect accounts, late payments that were not made, accounts that are not yours, etc. ]. These errors appear to have been reported by * * Experian * * without my consent, and despite my efforts to resolve the issue directly with Experian, no corrective action has been taken. 

* * Steps Taken : * * XXXX. On XX/XX/year>, I contacted Experian customer service to dispute the inaccuracies. I provided supporting documentation to prove that the accounts or information in question were erroneous. 
XXXX. I filed a dispute through Experian 's online portal XX/XX/year>, but the results were unsatisfactory. The report remains incorrect, and my dispute was either ignored or not resolved to my satisfaction. 
XXXX. I have also sent a certified letter to Experian on XX/XX/year>, requesting an investigation into the inaccuracies, but I have yet to receive a substantive response or resolution. 

Despite all of my efforts to resolve these issues, * * Experian has failed to correct the inaccurate information on my credit report * *. As a result, my credit score has been negatively impacted, and I am being unfairly harmed in terms of obtaining credit and securing loans, which is severely affecting my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered significant inaccuracies in my credit report that have had a damaging effect on my credit score. These discrepancies include \ [ list the inaccurate informatione.g., incorrect accounts, late payments that were not made, accounts that are not yours, etc. ]. These errors appear to have been reported by * * Experian * * without my consent, and despite my efforts to resolve the issue directly with Experian, no corrective action has been taken. 

* * Steps Taken : * * XXXX. On XX/XX/year>, I contacted Experian customer service to dispute the inaccuracies. I provided supporting documentation to prove that the accounts or information in question were erroneous. 
XXXX. I filed a dispute through Experian 's online portal XX/XX/year>, but the results were unsatisfactory. The report remains incorrect, and my dispute was either ignored or not resolved to my satisfaction. 
XXXX. I have also sent a certified letter to Experian on XX/XX/year>, requesting an investigation into the inaccuracies, but I have yet to receive a substantive response or resolution. 

Despite all of my efforts to resolve these issues, * * Experian has failed to correct the inaccurate information on my credit report * *. As a result, my credit score has been negatively impacted, and I am being unfairly harmed in terms of obtaining credit and securing loans, which is severely affecting my financial well-being.

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 2025-07-23 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: LEXISNEXIS
State: VA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act ( FCRA ). The following items listed are either unfamiliar to me, reported inaccurately, or unverifiable. I request that these entries be investigated, corrected, or removed immediately from my credit file. 



XXXX. Personal Information Correction My full legal name is : XXXX XXXX XXXX My only current and valid address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please ensure all other variations of my name or addresses are removed. 



XXXX. Rent Reporting ( XXXX XXXX ) I have no knowledge or relationship with XXXX XXXX. 
Please provide supportive documentation showing my agreement or any reporting history tied to me. 
If you are unable to verify this account, please remove it immediately. 



XXXX. XXXX XXXX XXXX The payment history for XXXX XXXX is being inaccurately reported as late. 
My payments were on time and I request that the payment history be corrected to reflect on-time payments. 



XXXX. Hard Inquiries Please remove all hard inquiries unless you can provide documentation showing I authorized them. 
I did not authorize multiple hard inquiries and request proof or removal under FCRA guidelines. 



XXXX. XXXX Accounts Please provide verifiable proof and validation for the following accounts. If not validated within XXXX  days, please remove them from my report : XXXX XXXX- {$1800.00} Unknown debt. Please provide a signed contract or itemized statement. 
XXXX XXXX  XXXX - {$300.00} I do not recognize this account. Please validate and include supporting documentation. 
Peak Property Management I have never done business with this company. Please remove unless validated with supporting documents. 
XXXX XXXX- {$420.00} Please confirm if this debt is valid and provide full documentation including billing and delinquency notices. 
XXXX XXXX- {$620.00} Requesting verification of this debt. Provide statements or any documentation with my name and address. 
XXXX XXXX  XXXX- {$1100.00} If this account is for medical debt, per CFPB guidance, it should be removed from my credit report unless validated in writing with a detailed bill and medical provider name.

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