vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my credit report, I noticed a late payment listed on XXXX XXXX XXXX XXXX  that I believed is inaccurate. I have maintained on-time payments and do not have documents showing this payment legitimate 30 days late.

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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
A little of the history : Starting in the later months of XXXX, I juggled the idea of a " debt consolidation '' company. I received many offers in the mail for a loan. No-one would give me a loan. They did, however, offer an opportunity to use them to enter into settlement arrangements with creditors, for XXXX lower monthly payment amount. Although I was underwater and overwhelmed, I had 100 % on-time payment history, and couldn't stomach the idea of tarnishing that. I signed with, and cancelled various companies a few different times. 

The last time, the last company had sent settlement letters out before I cancelled. OneMain had agreed to a settlement offer. The balance was then {$1500.00}. They agreed to settle for half, {$760.00}, and accepted a {$100.00} payment from XXXX toward that settlement amount. 

XX/XX/XXXX is when I cancelled XXXX. XXXX XXXX is also when I began calling my creditors to work out a way to get up to date with my creditors. Among them, was OneMain Financial XXXX XXXX revolving credit card. 

I began with the XXXX number on the back of the card, as I was no longer able to log into my account through the app. At first, noone would talk to me or give me information about my account. They stated they could only talk to XXXX. I told them I was no longer represented by XXXX. Frustrated, I went down the list and easily reached solution with other creditors. 

Trying XXXX more time, still XX/XX/XXXX, I reached XXXX at OneMain. He said that his supervisor XXXX agreed to honor the settlement arrangement they had reached with XXXX. At that time, the balance due was {$680.00}. I made an immediate payment of {$200.00} and scheduled future payments of {$230.00} each on XX/XX/XXXX and XX/XX/XXXX. The XXXX payment went through as scheduled. On XX/XX/XXXX, having available funds in another checking account, I called to make the last payment of {$230.00}. I was so excited and relieved to have worked through my mess and have this off my back. XXXX said the account was paid in full and would be closed. 

That still hasn't happened. 

After noticing OneMain was still reporting my account as in default, I called XXXX once again. He stated he " sees the notation from XXXX. '' He apologized, and stated he would expedite this account for closure. 

That still hasn't happened. 

Each time I call, I offer to bring the account current. Noone can take my money. It's always a time-consuming maze of frustration to reach someone who can access my account and give me information. 

My credit score has again TANKED! After working so hard to correct all of this. They are reporting XXXX days past due and stating the account is open. But noone can close it or take payment!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
I have notified Experian multiple times over the past few years via mail that I am a victim of identity theft, providing official FTC Reports and police reports as proof. The bureau has failed to fulfill its legal obligations under FCRA 605B. 
There has even been a fraudulent tax return filed with the IRS in 2020. I am now re-stating for the record that the following accounts appearing on my report from your bureau must be blocked and deleted immediately : XXXX XXXXXXXX XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXXXXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Your continued failure to act on these specific items demonstrates willful non-compliance with the FCRA. Please delete these accounts immediately and permanently block them.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX XX/XX/year> LEXUS NEXIS RISK SOLUTIONS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Subject : Formal Request for investigation and Documentation of Verified Account Pursuant to FCRA 623 ( 15 U.S.C 1681s-2 ) 1681i ( a ) ( 2 ) ( E ) FCRA section 611.

Dear LEXUS NEXIS This letter is to formally notify you of my continued dispute regarding information you have furnished to one or more consumer reporting agencies, specially related to the accounts identified below. 

Account Information XXXX XXXX XXXX XXXX # XXXX I previously disputed the accuracy and/or completeness of this account with the credit reporting agencies, however, the items has since been reported as verified or updated without any supporting documentation being provided substantiate the accuracy of the information. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681s-2, particularly Section623, furnishers of information are legally required to : Conduct a reasonable investigation upon receiving a dispute from a consumer via a consumer reporting agency ; Correct, delete, or verify the information a timely manner ; Cease reporting inaccurate or unverifiable information If you are asserting that these accounts have been verified or updated accurately, Iam formally requesting that you provide the following : A full description of the method used to verify the accuracy of the disputed information ; All documentation you relied upon to verify the account, including any original signed contracts, payment history, account statements, or written communications bearing my signature ; The name contact information and credentials or entity that conducted the investigation. 

If you are unable to provide documentation that substantiates the accuracy of these accounts, then you are required by law to delete or correct the information you are furnishing to all consumer reporting agencies. Please consider this a direct dispute under the FCRA and ensure that your reinvestigation complies with the statue. You are required to respond within 30 days from the date of receipt of this letter. Failure to comply XXXX result may result in the filing of complaints with the CFPB, The Federal Trade Commission ( FTC ) and my States Attorney General. Additionally, I reserve the right to pursue legal remedies for violations of my rights under the FCRA. Please your written response and any requested documentation to the mailing addresses listed above. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-02 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:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

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 2025-10-02 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: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-02 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:
This letter serves as a formal dispute of the charge-off account being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, 1681i, and 1681e ( b ), all information furnished to consumer reporting agencies must be accurate, complete, and verifiable. 

The charge-off account in question is inaccurate, misleading, and unverifiable as currently reported. To comply with the FCRA, you are required to conduct a reasonable investigation and provide documented evidence that substantiates the accuracy and legitimacy of this account. If you can not provide such verification, you must delete this account from my credit report immediately. 

Failure to properly investigate and correct or remove unverifiable information constitutes a violation of federal law and my consumer rights. I demand this matter be resolved promptly in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX  Date XXXX XXXXXX/XX/year> XXXX XXXX  Date XXXX XXXXXX/XX/year>

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 2025-10-02 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: TX

Complaint narrative:
In accordance with legal standards ( 15 U.S. Code 1681g ), delete the disputed accounts on time.

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 2025-10-02 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: MD

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 2025-10-02 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:
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 2025-10-02 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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