vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on CLUE Report Pursuant to the Fair Credit Reporting Act Dear LexisNexis Consumer Center, I am writing to formally dispute inaccurate and unverifiable information that appears on my CLUE ( Comprehensive Loss Underwriting Exchange ) report. My full name is XXXX XXXX XXXX, and I recently obtained a copy of my CLUE report. 

Upon review, I believe the following information is either inaccurate, incomplete, or can not be verified : XX/XX/XXXX At fault Accident, I have no reported accidents with any insurance provider. Proudly, I got an insurance quote and this was factored in to change my rates. But no evidence of this ever occurring, nor was I in an accident or a police report. 

XX/XX/XXXX not at fault accident, no reported accidents all of a sudden I have accidents on my reporting completely random. No evidence this ever occurred. 

XX/XX/XXXX I pled guilty to a much lesser violation than the one reported twice for XXXX tickets I never received or pled guilty to. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you investigate this matter. If LexisNexis can not verify the accuracy of the information with proper documentation from the reporting insurer, the item must be corrected or deleted from my CLUE report. 

Additionally, please provide me with written confirmation of the outcome of your investigation and an updated copy of my CLUE report once the matter is resolved. 

Thank you for your prompt attention to this matter. I expect resolution within the 30-day investigation period allowed under the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am filing this complaint against Harris & Harris for knowingly reporting inaccurate and unverifiable information on my credit report. They are attempting to collect XXXX separate alleged debts under my name : {$96.00}, opened XX/XX/year> {$340.00}, opened XX/XX/year> I do not recognize either of these accounts, and Harris & Harris has failed to provide any legally required validation. 

I formally disputed these accounts with the credit bureaus. Harris & Harris has failed to respond or provide proof that I am legally obligated to these debts. They have not produced a contract or agreement bearing my wet signature showing that I consented to these debts or authorized the transfer of my personal information to them. 

Furthermore, it is illegal for Harris & Harris to be in possession of, use, or share my personal information without my explicit consent or authorization. This constitutes an unauthorized transfer of consumer information and violates both the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), the Fair Credit Reporting Act ( 15 U.S.C. 1681b, 1681s-2 ( b ) ), and Texas Finance Code 392.101 regarding unauthorized collection activity. 

Harris & Harris continues to damage my credit standing by reporting unverifiable and illegally obtained information despite their legal obligation to investigate and remove any account that can not be proven accurate. This is reckless, unlawful, and harmful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NY

Complaint narrative:
This account is not mine. I have no knowledge of this account and have never done business with this company. This appears to be a case of identity theft or a mixed file. Please investigate and remove this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX, XXXX XXXX XXXX, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: NC

Complaint narrative:
The company is reporting inaccurate and unverifiable information on my consumer credit file. The reported account contains errors, including late payments, charge-offs, or collections that I do not recognize or that have not been properly validated. Despite my attempts to dispute directly with the credit bureau ( s ) and the furnisher, the company continues to report negative information without providing proper documentation such as a signed contract, complete payment history, or evidence of permissible purpose for inquiries.

In addition, there are multiple hard inquiries that were made without my consent or written authorization, in violation of the Fair Credit Reporting Act ( FCRA ). I have also identified outdated addresses and personal information still being reported, which creates further risk of identity confusion.

These actions violate consumer protection laws including the FCRA ( 604, 607, 609, 611 ), the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ), and the Gramm-Leach-Bliley Act ( 15 USC 6802 ). Courts have affirmed that unverifiable or inaccurate reporting must be corrected or deleted ( see XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, Experian received a Priority mail package from me identifying multiple credit cards, personal loans, collections and public records that had been fraudulently opened in my name. The package provided verification of my identity by my XXXX XXXX and proof of my current address, for the last 3 years, with a utility payment statement and a bank statement. In addition, I provided a copy of the FTC Identity Theft reports listing all of the incorrect and fraudulent information. 

A new report dated XX/XX/XXXX was mailed to me with all of the fraudulent data still reporting. 

On XX/XX/XXXX, I sent another letter to Experian requesting compliance with the Identity Theft remedies provide me by the FCRA. 

As of XX/XX/XXXX, Experian has not blocked any of the accounts reported as fraudulent as required by the FCRA section 605 ( b ). Additionally, my current address was not corrected and multiple inaccurate addresses, employers and names are still being reported. Experian has not complied with any of the FCRA sections including 607 ( b ) and 611. 

There are XXXX public records that have been disputed with XXXX, the source that is supplying the data to Experian, yet they are still reporting these as accurate. This identity theft ordeal has been detrimental to my credit history and credit score.

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 2025-08-23 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: NJ

Complaint narrative:
This is a continuation of CFPB Complaints # XXXX and # XXXX. Despite XXXX prior investigations, Blackhawk has still failed to deliver my refund after nearly a full year of delays, mistakes, and reversals.

1- Blackhawk admitted sending my refund checks to the wrong address multiple times, even after I repeatedly corrected them in writing.

2- They later promised resolution through a bank transfer and through delivery to a trusted friends address. Both were explicitly approved in writing.

3- Blackhawk has refused obvious alternatives such as a digital check, a virtual card, or other standard electronic solutions.

4- After I provided my bank details, they shifted to demanding a bank letter on official letterhead that my XXXX XXXX XXXX XXXX XXXX XXXX  does not issue. I submitted proof from my bank confirming that such a document can not be provided. 

5- Their shifting demands are unreasonable, inconsistent, and impossible to satisfy. These tactics appear designed to avoid paying what is rightfully owed.

6- I have already filed XXXX CFPB complaints. Instead of resolving the matter, Blackhawk continues to stall with new excuses.

This dispute has now been dragged out for almost a year. Enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: CA

Complaint narrative:
I recently submitted a CFPB complaint to Transunion and they did not remove all the fraudulent accounts from my consumer report. I have been regularly checking my credit reports and scores this year due to pressing needs of me and my family. This has caused me both deep XXXX and XXXX XXXX I recently suffered with an event that has caused severe XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory and fraudulent items being reported about me damaging my character, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Transunion being the predominant Credit Reporting Agency in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Transunion operates then I would imagine that other Americans experience the same unfortunate event when they are victims of Identity theft as well. I have researched and talked with others about this and I can not seem to find anything supporting this occurrence. I have reached out to Transunion about this multiple times calling their call center where I can not seem to get reliable help regarding the manner and most times my calls end with their representatives hanging up on me. So please explain the fraudulent accounts and false misleading information on my report and the exact process being used to verify them as I honestly have no clue where this is coming from. they are illegally being reported to begin with and they should be removed as they should per law. I demand Transunion to reinvestigate every item on this letter for completeness and accuracy and remove these accounts from my consumer report ASAP as they do not meet the standards or I will be forced to file litigation against them for furnishing false and inaccurate accounts on my credit report.

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 2025-08-23 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, JEFFERSON CAPITAL SYSTEM, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NV

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections amount XXXX that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I reviewed my XXXX  credit report and discovered inaccuracies related to credit card accounts and collections. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) Section 611, as the accounts are not reporting XXXX XXXX  accurately. The errors include misrepresented or unverifiable charge-offs, late payments, and collections. 

I kindly request that these items be investigated and corrected, or removed entirely if their accuracy can not be verified. 

Thank you for your attention to this matter..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: PA

Complaint narrative:
During XXXX  there were several instances that occurred with an account ending in XXXX and XXXX. There were several cash deposits made into the account ending in. Upon seeing the accounts I called several times to make sure that these accounts were made on my behalf. I had recently provided my dad my account information to help with my children as I was currently pregnant and in school. I called and verified every deposit as when I logged in online I could not see any details about the deposits. Every deposit was verified and account was verified. About a week and a half later upon me continuing to verify the funds I was notified via mail that the deposits were in fact not meant for my account but the numbers had been transposed and that my account would now be in the negative. I then called the branch that deposited the funds whom advised me that yes they made a mistake yes they did verify and say the funds were for me but now I am responsible for paying the money back. I then went to the branch where I opened up my account whom stated that the branch who made the mistake should have definitely fixed the error especially because there were several recorded calls of me verifying that the funds were deposited in my account for me. At the same time I applied for a position through my school that was sent via school email. I was provided instructions for the remote position and completed those task and was mailed a check. upon depositing the check I was informed that it was in fact a fake check and my account was put on hold. I later filed a police report and was help by a key bank representative to file a fraud affidavit and provide my police report information as well as emails from my school technology department. However, again Key Bank was again closed my other account due to the activity even though it was proven that I was in acted scammed. These two accounts are now listed on my XXXX XXXX as a overdrafts when the overdrafts were actually cause by Key Bank representatives who not only deposited but verified that the cash funds were deposited on my behalf and available for my use. Instead of taking complete responsibility for a mistake they made on multiple occasions. They left me as the customer to take the fall for everything. There are numerous of recorded calls of me verifying the cash deposit and availability for use and there is a paper fraud affidavit with police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NE

Complaint narrative:
I went through a bad spot in my life with child health issues. Since then I had paid up all of my credit cards that were behind and charged off. XXXX is showing my account closed but reporting I have missed payments last year of XXXX. The account was closed back in XXXX. I paid them off! They are impacting my credit making it very difficult for me to stay on the current track of improving and increasing due to showing XXXX late payments last year XXXX. Nothing seems to change. XXXX- credit card is running my credit when its long been paid off and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
I did not grant permission to any party to pull or review my credit. This fraud action was unauthorized. 

XXXX XXXX  XX/XX/year>2025 XXXXXXXX XXXX XXXXXX/XX/year>2025 XXXX XX/XX/year>2025 2025

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 2025-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
Cease & Desist XXXX XXXX XXXX XXXX. XXXX ( c ) Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Subject : Cease and Desist Notice Pursuant to 15 U.S.C. 1692c ( c ) To Whom It May Concern, I am formally notifying you under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) to cease all communication with me regarding the alleged debt you claim I owe. 
As permitted by law, I hereby demand that you immediately stop all contact with me, including but not limited to telephone calls, letters, emails, text messages, or any other form of communication. 
Please be advised that : XXXX. You may not contact me further except to confirm that you will cease communication, or to notify me of specific legal remedies you are entitled to pursue. 
XXXX. Any further contact outside these exceptions will constitute a violation of federal law, subjecting you to civil liability, damages, and attorneys fees under the FDCPA. 
I also request that you provide me with written confirmation that you have received and will honor this cease-and-desist demand. 
Thank you for your immediate compliance. 
SincerelyXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
the U.S. Department of Education issued me an official discharge letter under the Borrower Defense to Repayment program. This letter states that my federal student loans were fully discharged and that I no longer owe a balance.

Despite this, as of XX/XX/year> my credit report still shows : Dept. of ED / XXXX  reporting as Open with a balance of {$30000.00} and {$800.00} past due.

XXXX  showing as a closed account but still tied to my loan history I contacted the companies and disputed the reporting. I also sent a cease and desist/dispute/deletion demand letter citing the FDCPA and FCRA, along with a copy of my U.S. Department of Education discharge letter . These debts are no longer legally valid, yet the companies continue to report them inaccurately.

This violates federal law, including : FDCPA : continued collection activity and failure to validate a discharged debt.

FCRA : furnishing and failing to correct inaccurate information, despite receiving proof of discharge.

Relief Requested : 1. Immediate deletion or correction of all reporting related to these accounts.

2. Update records to reflect a {$0.00} balance and notation of Discharged by U.S. Department of Education Borrower Defense to Repayment.

3. Written confirmation of 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 explanation