vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: NV

Complaint narrative:
In accordance with Fair Credit Reporting Act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681e ( b ) Lexus Nexis Risk Solutions has provide inaccurate and unverifiable information in response to a credit request. The provided inaccurate information to XXXX XXXX XXXX XX/XX/year>. 


as per the Fair Credit Reporting Act whenever a consumer credit reporting agency prepares consumer report its shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates to in accordance with 15 USC 1681 ( e ) ( b ).

And according to 15 U.S.C. 1681i ( a ) ( 5 ), if a consumer reporting agency ( CRA ) finds information in a consumer 's file to be inaccurate, incomplete, or unverifiable after reinvestigation, they must promptly delete or modify that information.This is specifically in reference to the treatment of inaccurate or unverifiable information that has been disputed by a consumer bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-08-16 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: NJ

Complaint narrative:
Violation of Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.XXXX. XXXX XXXX is required by law to provide a clear and conspicuous disclosure of its privacy policies and practices, including how consumer information will be shared. 
Consumers must also be provided an opt-out option before their nonpublic personal information is shared with third parties, including credit reporting agencies. 
I was never provided proper notice, nor was I given the opportunity to opt out. This is a direct violation of federal law. 
2. Violation of Fair Credit Repo

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 2025-08-16 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: PA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-08-16 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: CA

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

FRAUDULENT ACCOUNTS : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CA

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

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request reinvestigation of the following accounts currently appearing on my TransUnion credit report. The information being reported is incomplete, inaccurate, and unverified, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 


XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Balance : {$780.00} Highest Balance : {$780.00} Opened : XXXX. XXXX, XXXX ( 3 months old ) Status : Open Derogatory Remarks : Placed for collection / Account information disputed by consumer ( listed twice ) Original Creditor : XXXX  XXXX XXXX Dispute Issues : Duplicate remarks listed twice. 
No closure or payment history reported. 
Debt has not been validated as required under 15 U.S.C. 1692g.

No supporting documentation from the original creditor has been provided. 

XXXX. XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Balance : {$570.00} Highest Balance : {$570.00} Opened : XXXX. XXXX, XXXX ( 4 months old ) Status : Open Derogatory Remarks : Placed for collection / Account information disputed by consumer ( listed twice ) Original Creditor : XXXX XXXX XXXX XXXX XXXX  Dispute Issues : Duplicate remarks listed twice. 
No closure or payment history reported. 
Debt has not been validated as required under 15 U.S.C. 1692g. 
No supporting documentation from the original creditor has been provided. 


Request for Action Under 15 U.S.C. 1681i ( a ) of the FCRA, I am requesting that TransUnion : 1. Conduct a reinvestigation of the accounts listed above. 
2. Delete or correct these accounts if the furnishers can not provide full validation and complete, accurate records. 
3. Provide me with an updated credit report reflecting the results of this investigation.

If these accounts can not be fully verified with documented evidence from the original creditors, they must be deleted immediately in compliance with federal law. 


Notice to CFPB & FTC Copies of this dispute are also being submitted to the Consumer Financial Protection Bureau and the Federal Trade Commission for oversight and recordkeeping of potential violations of the FCRA and FDCPA. 


Sincerely, XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: NC

Complaint narrative:
Disputed Information to Be Removed Pursuant to 15 U.S.C. 1681c-2, I am specifically identifying the following accounts and inquiries as fraudulent and not authorized by me. These items must be blocked and permanently deleted from my consumer file.

It is important to note that none of the CRAs ( TransUnion, Equifax, or Experian ) have marked these accounts or inquiries as under dispute as required. Instead, they have improperly failed to initiate the mandatory 1681c-2 block and have attempted to delay compliance by treating my filings as standard disputes under 1681i. This is unlawful, because 1681c-2 provides no discretion to the CRAsonce the statutory requirements are met, the information must be blocked within four ( 4 ) business days. 
The following information must therefore be removed immediately under 1681c-2 and not subjected to a prolonged 1681i reinvestigation : TRANSUNION Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Last Reported : XX/XX/XXXX | Balance : {$240.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Last Reported : XX/XX/XXXX | Balance : {$980.00} Hard Inquiries : XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Collections : XXXX XXXX. Date Opened : XX/XX/XXXX | XXXX Reported : XX/XX/XXXX | Balance : {$630.00} XXXX XXXX. Date Opened : XX/XX/XXXX | Last Reported : XX/XX/XXXX | Balance : {$630.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Last Reported : XX/XX/XXXX | Balance : {$980.00} Hard Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN Collections : XXXX. XXXX, XXXX. Date Opened : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Disputed Information to Be Removed Pursuant to 15 U.S.C. 1681c-2, I am specifically identifying the following accounts and inquiries as fraudulent and not authorized by me. These items must be blocked and permanently deleted from my consumer file.

It is important to note that none of the CRAs ( TransUnion, Equifax, or Experian ) have marked these accounts or inquiries as under dispute as required. Instead, they have improperly failed to initiate the mandatory 1681c-2 block and have attempted to delay compliance by treating my filings as standard disputes under 1681i. This is unlawful, because 1681c-2 provides no discretion to the CRAsonce the statutory requirements are met, the information must be blocked within four ( 4 ) business days. 
The following information must therefore be removed immediately under 1681c-2 and not subjected to a prolonged 1681i reinvestigation : TRANSUNION Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Last Reported : XX/XX/XXXX | Balance : {$240.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Last Reported : XX/XX/XXXX | Balance : {$980.00} Hard Inquiries : XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Collections : XXXX XXXX. Date Opened : XX/XX/XXXX | XXXX Reported : XX/XX/XXXX | Balance : {$630.00} XXXX XXXX. Date Opened : XX/XX/XXXX | Last Reported : XX/XX/XXXX | Balance : {$630.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Last Reported : XX/XX/XXXX | Balance : {$980.00} Hard Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN Collections : XXXX. XXXX, XXXX. Date Opened : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding a charge-off reported by Capital One. I previously disputed this account with the credit bureaus, but at that time I did not request proof of whether a Form 1099-C ( Cancellation of Debt ) had been issued.

I am now requesting verification that a 1099-C was issued for this account, including the date it was issued, how it was filed with the IRS, and any supporting documentation. Capital One has not provided this information despite my attempts to confirm it.

The continued reporting of this charge-off without verification of a 1099-C may be inaccurate and potentially violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to provide only accurate and verifiable information. I am seeking documentation so I can ensure my credit report reflects correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CA

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

FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: CA

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

FRAUDELENT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: FL

Complaint narrative:
I am submitting a formal request for a security freeze to be placed on my consumer file, as provided under 15 U.S. Code 1681c-1 of the Fair Credit Reporting Act ( FCRA ). Under federal law, once a consumer reporting agency receives a valid request along with proper identification, it is legally obligated to place the security freeze within XXXX business day for requests made online or by telephone, and within XXXX business days for requests made by mail. This request is being submitted electronically via the CFPB portal, which qualifies as an online submission directly received by your agency. Accordingly, your statutory obligation is to complete the freeze within XXXX business day of receipt. I have attached my signed request letter and all standard forms of identity verification, including a government-issued ID and proof of address. These documents are sufficient and meet industry standards. I am utilizing the CFPB portal intentionally, to establish a clear, time-stamped, and verifiable record of delivery and agency response. In light of ongoing litigation and regulatory scrutiny involving consumer reporting agencies ' failure to fulfill statutory duties, this submission route serves as a preemptive safeguard against noncompliance. It also eliminates the possibility of lost requests, manufactured delays, or unsubstantiated procedural hurdles. I expect this request to be completed within the timeframe mandated by law, with a formal confirmation and issuance of any required PIN or reference number. Any attempt to delay, ignore, or complicate this process will be treated as a failure to comply with federal law. Be advised that noncompliance is enforceable under 15 U.S. Code 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), and may expose your agency to civil liability, actual and punitive damages, and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-08-16 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: MI

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief