vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 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: AZ

Complaint narrative:
THIRD CFPB SUBMISSION LEXISNEXIS HAS ADMITTED ON THE CFPB RECORD THAT NO LAWFUL FURNISHER VERIFIED THE ALLEGED BANKRUPTCY, AND IS NOW DELIBERATELY CONCEALING THE SOURCE LexisNexis has already admitted on the CFPB record ( XX/XX/year> response in this same complaint ) that the alleged bankruptcy was not verified by any court clerk or lawful furnisher and was instead obtained through XXXX  and identifier matching. A lawful furnisher must be the originating source for bankruptcy data that is the court or its XXXX not XXXX, not another CRA, and not an unidentified aggregator. XXXX  is not a lawful furnisher under XXXX and can not satisfy verification. 

For the avoidance of doubt, public record, XXXX  viewing, address/SSN matching, and aggregator sourcing are not lawful verification under 1681i. Multiple federal appellate decisions ( including XXXX and XXXX ) document that LexisNexis supplies bankruptcy data from XXXX  aggregation, not from a furnisher. A CRA can not verify accuracy by re-reading public data or forwarding a dispute to another CRA. 

Despite this, LexisNexis closed the complaint without answering the direct verification question, and without disclosing the source chain or a furnisher. This was not an error it was a deliberate concealment of the verification source to evade FCRA transparency obligations. 

LexisNexis is now required within this CFPB record where their admissions are already preserved to provide explicit disclosure : XXXX. Whether LexisNexis itself accessed XXXX directly, or whether the alleged record was provided by a third-party aggregator ; and XXXX. If a third party supplied the data, identify that entity as the furnisher with name, address, and phone, as required by 1681i ( a ) ( 6 ) ( B ) ( iii ).

If LexisNexis can not identify a lawful furnisher which their own CFPB-recorded admissions already indicate then : ( a ) The alleged bankruptcy is unverifiable and must be deleted under 1681i ( a ) ( 5 ) ( A ) ; and ( b ) Continued reporting after admitting no lawful verification on the CFPB record constitutes willful FCRA non-compliance for enforcement and escalation based on this CFPB filing.

This is not a request for reinvestigation. It is a demand for explicit source disclosure or deletion, based on LexisNexiss own admissions already placed in the CFPB record, and their improper closing of this complaint without transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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 do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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
Consumer complaint received 2025-10-26 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 do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: IA

Complaint narrative:
TransUnion has failed to properly reinvestigate and provide verified documentation for accounts I disputed. Theyve had over 30 days under the Fair Credit Reporting Act ( 15 USC 1681i ) to complete their reinvestigation, yet continue to report unverifiable information. By law, if an account can not be verified, it must be deleted.

This is unacceptable, especially since my personal information was compromised in the Equifax data breach. I have the right to ensure every account tied to my name is actually mine. Their negligence is damaging my credit, increasing my financial stress, and limiting opportunities for housing and stability for me and my children. 

I am demanding immediate deletion of any account that TransUnion can not fully verify with proper documentation, as required by the FCRA. 

These accounts below I am not familiar with and Transunion has failed to verify accounts, also failed to explain how any account was verified. 

Diversified Adjustments Services, Account # XXXXXXXX XXXX XXXX XXXX XXXX  Amount {$160.00} XXXX XXXX XXXX Account # XXXX Amount {$490.00} XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Amount {$19.00} XXXX Account # XXXX Amount {$24000.00} XXXX XXXX XXXX Account : # XXXX Amount {$640.00} XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Amount {$9600.00} XXXX XXXX  Account # XXXX Amount {$1200.00} Inquiries : XXXXXXXX XXXX XXXX  on XX/XX/year> I have attached my proof of address, passport, screenshots of tracking numbers for letters sent to Transunion, letter to Transunion for deletion of accounts they were unable to verify.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The account was settled in full, but late payment notations remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
On XX/XX/year> I submitted a request for validation of debt as well as required supporting documents and asked that all communication be through standard postal mail or email. I also asked that all communication via phone calls be stopped. I also asked that until validation was established for this account to be removed from all credit bureaus credit reports which was not done. Company continued to call and leave voicemails as well as report this unverified debt on all my credit reports. Company sent a blank validation letter with no supporting documents or any required identifying information which I will attach to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: AR

Complaint narrative:
XXXX Your creditor reported a charge-off after your account was closed. Specifically, the account closed on XX/XX/year>, but the charge-off was reported as late as XX/XX/year>, accompanied by profit and loss write-off remarks. Despite being charged off, the creditor or collector continues collection efforts. 

Violations Under FCRA : Inaccurate Reporting : Creditors must report charge-offs accurately, including the correct date of first delinquency, not later closure dates or charge-off dates. Reporting a charge-off after the account closure date can mislead lenders and harm credit inaccurately. 

Timeliness : Charge-offs can only remain on credit reports for seven years from the date of the first delinquency that led to the charge-off. Reporting beyond this period is a violation. 

Misclassification : Incorrect remarks such as profit and loss write-off if inaccurate or misleading constitute violations. 

Failure to Investigate Disputes : If you dispute the charge-off, FCRA requires the furnisher and bureau to conduct a reasonable investigation and correct errors within XXXX days. Failure to do so violates 15 U.S.C. 1681i. 

Collection on Charged-Off Debts : The Fair Debt Collection Practices Act ( FDCPA ) prohibits unfair or deceptive collection behavior on debts that are invalid or beyond legal collection periods.

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 2025-10-26 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: AR

Complaint narrative:
My account with XXXX  was closed on XX/XX/year>. However, the creditor or debt collector reported a charge-off on XX/XX/year>, with " profit and loss write-off '' remarks. Despite the account being closed months earlier, they continue trying to collect this charged-off debt. The continued reporting and collection efforts are inaccurate and misleading on my credit report. 

Violations Committed : Reporting the charge-off after the account was already closed, which is inaccurate and violates the Fair Credit Reporting Act ( FCRA ) requirements for timely and accurate reporting. 

Continuing collection attempts on a charged-off account without proper legal basis, potentially violating the Fair Debt Collection Practices Act ( FDCPA ). 

Failure to properly update and correct credit reports after disputes, violating 15 U.S.C. 1681i regarding reinvestigation of disputed information.

Inaccurate or misleading remarks ( " profit and loss write-off '' ) that harm your credit standing.

Persisting in reporting after the legally allowed timeframe for collections or charge-offs.

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 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I initiated XXXX XXXX transfers to XXXX, each in the amount of {$2000.00} ( total principal : {$4000.00} ). After applicable fees, the total charge was {$4000.00}, which was successfully deducted from my Chase Bank account as reflected on my statement.Despite the deduction, XXXX subsequently notified me that both transactions were declined ( see attached screenshot ). I reasonably expected the full amount of {$4000.00} to be refunded to my account within a standard processing period. No refund was issued.On XX/XX/year>, I contacted XXXX and opened a formal claim ( Claim # XXXX ). A follow-up claim was submitted on XX/XX/year> ( Case XXXX [ ref :! XXXX.! XXXX : ref ] ). I received no email acknowledgment or resolution from XXXX calling XXXX customer support, a representative informed me that the transactions were declined at their end and that no funds were ever withdrawn from my account. They asserted that Chase Bank was holding the $ XXXX XX/XX/year>, I filed a dispute with Chase Bank XXXX On XX/XX/year>, Chase issued a temporary credit of {$4000.00} pending investigation.On XX/XX/year>, Chase notified me of the investigation outcome, stating that XXXX did in fact process and receive the {$4000.00}. As a result, Chase has reversed the temporary credit, leaving my account short {$4000.00} for transactions that XXXX confirms were declined.This contradictory information has resulted in a clear financial loss. XXXX maintains the transfers were declined and claims no funds were received, yet Chases records confirm the funds were debited and ultimately transmitted to XXXX. 

Requested Resolution : I respectfully request that Chase Bank immediately reinstate the {$4000.00} temporary credit as a permanent resolution, or alternatively, that XXXX refund the full {$4000.00} directly to my Chase account. I am prepared to provide all supporting documentation, including : Chase Bank statement showing the {$4000.00} deduction XXXX decline notification ( screenshot ) XXXX claim confirmation XXXX XXXX XXXX ) Correspondence and call logs with both institutions I trust this matter will be resolved promptly to restore the funds that were deducted for transactions that were never completed.Thank you for your immediate attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian charged my bank account for a service fee related to protecting my credit report. This was not the case. My credit score was still being impacted by negative inquiries and more. While this membership was to help protect and strengthen my credit score, it damaged it tremendously with no protection from outsiders wanting to gain access into my account for their purpose. Experian didn't protect or prevent any further negative impacts to my credit score. My paid membership to them didn't serve any purpose towards improving my credit security. It was a total waste of my time, access to my credit score, and money.

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 2025-10-26 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Kikoff Inc.
State: OR

Complaint narrative:
YOUR COMPLAINT In XXXX my identity theft was thought to have occurred since then I have suffered major financial losses and unable to get into appropriate communication again to resolve issues. I am now doing this as I have to apply for a debt consolidation loan and in order to be approved for my ability to have your debt before penalty fees for being late be paid in full I need your help to resolve the situation by removing all penalties for not making timely payments. I now am in debt to not only you but three other companies that I will be contacting through XXXX TO ESTABLISH HELP STABILIZE DEBTS BY HAVING THE ABILITY TO BE APPROVED FOR A DEBT CONSOLIDATION LOAN TO PAY ALL CREDIT CARD COMPANIES REMAINING DEBT MINUS ALL PENALTIES FOR LATE FEES XXXX. OTHERWISE I WILL NOT BE ABLE TO MAKE ANY TYPE OF PAYMENTS. MY INCOME IS XXXX FOR BEING XXXX AND ONLY {$960.00} A MONTH. I SINCE OCCURRED IDENTITY THEFT HAVE LOST ACCESS TO SEVERAL ACCOUNTS FOR ADVANCED LOAN OPTIONS AFTER CONTACTING AND VERIFIED IDENTITY WAS STILL BLOCKED Such AS TILT Which IS FORMERLY KNOWN AS EMPOWER AND THEY HAVE TRIED TO OPEN MY ACCOUNT XXXX TIMES WHICH MEANS I HAVE TO CHANGE MY PHONE NUMBER AND EMAIL ADDRESS AND STILL BLOCKED. I also wasn't aware my account would be permanently closed and myself never allowed access to kickoff lending for credit building for late or missing payments which were out of my control and XXXX controls my monthly checks and sometimes things can be stopped XXXX for re approval on my XXXX to continue my monthly payment checks also being sick in and out of the hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: HI

Complaint narrative:
Account closed. Unable to use cash app due to violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: UT

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex had to close my card to give me a total new card number. They closed the account to reflect on my credit report and also put the wrong credit limit. I've called numerous times and no one ever fixes anything. They put a way lower credit limit that was lower than the account they changed and my credit score or credit limit never went down. this company is incompetent and i hate them, They hate to do their job and they're extremely lazy.When i contacted them again via chat, I was told to try again in an hour as they're having technical difficulties, but they were able to still chat. Pure lies and another employee that doesn't want to do their job and even when they do it, its done wrong. They do the wrong thing on my account all the time and I am tired.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Description of What Happened : Multiple hard credit inquiries have been reported on your credit reports from various entities including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and several others. These inquiries are listed with dates spanning from XXXX to XXXX. You do not recognize or acknowledge authorizing these inquiries. Unauthorized hard inquiries can lower your credit score and may indicate fraudulent activity such as identity theft. 

Violations Involved : Unauthorized or inaccurately reported hard inquiries violate your rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681n and 1681o, which protect against willful and negligent noncompliance.

Failure by the credit bureaus and involved creditors to verify the authorization for these inquiries after your disputes violates FCRA 1681i, which mandates reasonable reinvestigation.

Reporting of unauthorized inquiries without proper consent can be considered unfair and deceptive trade practices under the Federal Trade Commission Act ( FTCA ).

These unauthorized inquiries can result in damage to your creditworthiness and potential financial harm.

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