vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: LEXISNEXIS
State: VA

Complaint narrative:
Your Name : XXXX XXXX Your Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Social Security Number XXXX Date of Birth XX/XX/XXXX Phone Number XXXX LexisNexis Risk Solutions Attn : Consumer Center XXXX XXXX XXXXXXXX XXXX, GA XXXX Subject : Request for Deletion/Reinvestigation of Bankruptcy Record XX/XX/XXXX Dear LexisNexis Compliance Department, I am writing to formally dispute the accuracy and legality of the bankruptcy record being reported under my personal file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and other applicable laws. 

The following item is being reported inaccurately and/or without proper verification : Public Record Type : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date : XX/XX/XXXX Case Number : XXXX My Dispute Basis : Lack of Direct Verification : The FCRA requires that all information in my consumer file be verified with the original source. Bankruptcies are not reported directly to you by the court ; instead, you obtain this data from third-party vendors or through electronic scraping, which is not a verified source. 

No Consumer Reporting Authorization : The U.S. Bankruptcy Court does not report bankruptcies to LexisNexis or any credit reporting agency, nor do they authorize you to collect and disseminate this information.

Potential Violation of FCRA 607 ( b ) : You are required to maintain reasonable procedures to assure maximum possible accuracy. Without direct court verification and a documented chain of custody for the information, the accuracy and completeness can not be guaranteed.

Violation of FCRA 611 : If you can not obtain original source documentation with my signature or court validation proving the completeness and accuracy, you are obligated to delete the record.

My Demand : Pursuant to the above laws, I am demanding the following : A complete reinvestigation of this bankruptcy record within 30 days of receipt of this letter.

Written proof of the method of verification, including the name and contact information of the person or agency who verified the data directly with the court.

If you can not provide direct verification from the original source, you must delete this bankruptcy record from your system and send me an updated copy of my file reflecting the deletion.

Please note that failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General.

Attached is a copy of my drivers license and proof of address for identity verification. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for reporting inaccurate and unauthorized information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX Reinsertion This account was previously deleted more than a year ago but has now been wrongfully reinserted across all three credit bureaus without notice or certification. Under FCRA 611 ( a ) ( 5 ) ( B ), deleted information can not be reinserted unless the furnisher certifies its accuracy and the consumer is notified within 5 business days. I never received such notice. Additionally, under FCRA 605B, once an FTC Identity Theft Report is provided, the bureaus are required to block fraudulent information from reappearing. XXXX XXXX must be permanently deleted and blocked from reinsertion. 
XXXX XXXX Account ( Equifax Only XXXX XXXX XXXX is reporting only on Equifax and does not appear on Experian or TransUnion. This inconsistency is evidence of inaccuracy and violates FCRA XXXX ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. If an account can not be verified across all bureaus, it must be deleted. I am demanding immediate deletion of XXXX XXXX. 
Unauthorized Inquiries ( Equifax Only ) My Equifax file contains multiple hard inquiries that I did not authorize and which were made without permissible purpose. These inquiries must be permanently deleted under FCRA 604 ( a ) ( 2 ). The unauthorized inquiries include : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX Equifax is reporting names, addresses, and phone numbers that do not belong to me. Any incorrect identifiers must be permanently deleted. The only correct identifying information is what I have already provided in my FTC Identity Theft Report and supporting documents attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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 four 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 Auto Loan XX/XX/XXXX XXXX XXXX  AUTO XXXX Auto Loan XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$80000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
To Whom It May Concern : I am writing under the authority of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 1681e ( b ) ( Sections 604 and 607 ), to demand that all outdated, inaccurate, or unnecessary personal identifiers ( specifically all prior addresses ) be removed from my credit files with Equifax, Experian, and TransUnion. 

The FCRA requires that consumer reporting agencies maintain only accurate and relevant information. Outdated addresses and phone numbers are no longer valid, serve no permissible purpose under 604, and increase my risk of fraud and identity theft. These entries are obsolete and must be removed to ensure full compliance with 607, which requires agencies to follow reasonable procedures to assure maximum possible accuracy. 

My only accurate and current contact information is as follows : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX I am enclosing copies of my government-issued ID and proof of my current address for verification. You are hereby instructed to investigate and confirm deletion of all prior addresses and phone numbers from my file across all nationwide consumer reporting agencies. Please provide written confirmation of these deletions within the 30-day period allowed by 611 ( a ) of the FCRA.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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 2025-08-17 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 four 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 Auto Loan XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Car Insurance XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Comerica
State: TX

Complaint narrative:
i went to open a comerica checking account the lady was very rude i provided all documents she requestedafter her rudeness towards me for no reason i ask for her manager., she preceded to open the account when i left she closed the account and wrote wrongful info in my chex system account.. i never been a victim of identity or fraud thefti left the bank later tried to open the online site my password didnt work .. so i went back to the bank to notify them of the problem and see what was going on she told me she closed my account due to fraud i said mam i never been a person to commit fraud.. i ask for proof she lied and told me someone emailed her that i was fraudwhich was a lie. i have all documents showing i never been a fraud i ask her to please remove it and she refused its been XXXX months and im still having problems could someone assist me please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
First off I dont live in Georgia . Thats not my address. It has the wrong name and its not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: UPGRADE, INC.
State: PA

Complaint narrative:
I only agreed to have my report pulled once and it was pulled a lot. I now have to many inquiries and its enabling me from moving forward with other things I need. Please remove inquiry thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: REGIONS FINANCIAL CORPORATION
State: PA

Complaint narrative:
I only agreed to have my report pulled once and it was pulled a lot. I now have to many inquiries and its enabling me from moving forward with other things I need. Please remove inquiry thanks

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 2025-08-17 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the data breach. 

Accounts In XXXX XXXX XXXX XXXX XXXX. {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX AUTO on XX/XX/XXXX with a balance of {$41000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint due to repeated FCRA violations by Experian, TransUnion, and Equifax. Despite sending certified disputes ( with proof of identity and utility bills ), these agencies continue to report false addresses, mismatched debts, and inflated totals that harm my creditworthiness and scores. 

A. False / Mixed Addresses TransUnion & Experian are reporting false addresses : XXXX XXXX XXXX, XXXX XXXX, GA an XXXX  I never lived in. 

XXXX ( XXXX XXXX ) a business address, not a residence. 

My true address is XXXX XXXX XXXX, XXXX, GA, supported by my government ID and utility bill. 

Experian deleted only one address but left others intact. TransUnion has taken no corrective action. 



This is a violation of 15 U.S.C. 1681i ( failure to reasonably reinvestigate ) and 1681e ( b ) ( failure to maintain accuracy ). 

XXXX Miscalculated Debt Totals Auto Loans ( correct total = {$180000.00} ) : XXXX XXXX {$37000.00} XXXX XXXX XXXX {$38000.00} XXXX XXXX {$18000.00} XXXX XXXX XXXX {$43000.00} XXXX XXXX  {$43000.00} Total = {$180000.00} Experian, however, reports {$180000.00} overall debt, which overstates my obligations by ~ {$6300.00}. 



This shows inaccurate balance reporting and mixed file handling. 

C. Inflated Total Debt & Scoring Harm The extra ~ {$6300.00} falsely inflates my overall debt load. 

This directly impacts my credit utilization and risk factors, leading to lower credit scores compared to TransUnion and Equifax. 

Different bureaus are showing different total debts and scores despite the same disputes and same documentation. 



This constitutes ongoing violations of : 15 U.S.C. 1681i ( a ) ( 5 ) duty to delete unverifiable info. 

15 U.S.C. 1681e ( b ) duty to assure maximum possible accuracy. 

XXXX Equifax Account Access Restriction Equifax has blocked me out of my online account, preventing me from reviewing or correcting my report. 

This obstruction makes it impossible to monitor disputes, further harming my rights under the FCRA. 

Harm Caused I am unable to obtain credit or financing due to inflated and false reporting. 

Wasted time, stress, and financial losses have resulted from these agencies negligence. 

My credit profile, reputation, and livelihood have been damaged. 

Supporting Evidence I will provide : Certified mail receipts ( XX/XX/year> and XX/XX/year> ). 

Experians partial deletion letter. 

Screenshots of incorrect addresses. 

Screenshots of debt totals ( {$180000.00} vs. {$180000.00} ). 

Utility bill & government ID ( current address proof ).

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 2025-08-17 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: KS

Complaint narrative:
As of today the account is still showing open but XXXX XXXX  had closed the account 30 days ago. I disputed it thru the XXXX credit agencies twice but no resolution. And after disputing it not XXXX  closed the account but the other XXXX XXXX  and equifax show it as open still. 
This account is being inaccurately reported as Open by Equifax and XXXX  even though XXXX own records confirm it was closed over a month ago. XXXX  has already updated the account to Closed, proving the other two agencies are reporting false information.

Under the Fair Credit Reporting Act : 1681e ( b ) CRAs must report with maximum possible accuracy.

1681i ( a ) CRAs must reinvestigate and correct or delete disputed inaccuracies.

1681s-2 ( b ) Furnishers must correct and update information with all CRAs once notified.

1681i ( a ) ( 5 ) ( A ) If accuracy can not be verified, the item must be deleted. 

Since XXXX  verified the account is closed, Equifax and XXXX  can not continue to show it as open. I am requesting immediate correction to Closed or deletion of this account in compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief