vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
I am filing a formal complaint against LexisNexis Risk Solutions, XXXX XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding the reporting and reinvestigation of a bankruptcy public record. 

On XX/XX/year>, I disputed the accuracy and validity of a bankruptcy reporting through LexisNexis and each of the XXXX major credit bureaus. I provided LexisNexis with official documentation from my local courthouse stating clearly that my court does not verify bankruptcy records electronically, nor do they provide information through PACER or any third-party system. 

On XX/XX/year>, I received XXXX different letters from LexisNexis : Letter # XXXX Results of Reinvestigation LexisNexis claims : They completed a reinvestigation They verified the bankruptcy as accurate Verification was done through the XXXX XXXX XXXX in XXXX XXXX, TX No communication from the courthouse was used No communication from the credit bureaus was referenced This verification method is improper. PACER is not a furnisher of information. PACER does not verify accuracy, identity, or reporting compliance. PACER is a public access system and can not be used as a verification source under FCRA XXXX or XXXX ( b ). 

Letters # XXXX, # XXXX, # XXXX Reseller Dispute Results These XXXX letters ( XXXX for each CRA ) state : We have disputed this information with [ XXXX XXXX XXXX XXXX XXXX XXXX, but we have not received a response from them. 

This directly contradicts XXXX # XXXX. 
If LexisNexis did not receive a response from any CRA, then they could not have legally completed their reinvestigation. 

Under FCRA XXXX ( a ) ( XXXX ), a furnisher must receive notice from the CRA before reinvestigation. 
Under FCRA XXXX ( a ) ( XXXX ), the CRA must conduct its reinvestigation within 30 days. 
Under FCRA XXXX ( a ) ( XXXX ), results must be provided in writing. 
Under FCRA XXXX, public record data must be verified with the actual source ( the courthouse ). 

None of these requirements were met. 

Summary of Violations : Contradictory reinvestigation reports Improper verification using PACER Failure to communicate with XXXX XXXX failing to respond to LexisNexis XXXX failing to conduct reinvestigations Failure to contact the courthouse Failure to follow proper public record verification protocol Failure to ensure maximum possible accuracy ( XXXX ( b ) ) Failure to delete unverifiable information ( XXXX ( a ) ( XXXX ) ) I also experienced measurable harm, including : A significant drop in my Equifax score during an active dispute Denial of credit Increased interest rates Emotional distress and time loss Inconsistent information being shared XXXX XXXX and the CRAs I have attached all XXXX LexisNexis letters, my courthouse documentation and my original dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX XXXX :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: SC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the TransUnion, Equifax, and Experian 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 an account opened XXXX XXXX XXXX Account Services : XXXX This account have resulted in a hard inquiry and fraudulent charge-off appearing on my consumer FICO credit report. I've already sent all 3 bureaus a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, charge-off, or hard inquiries as reported. The aforementioned accounts, charge-off, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, charge-offs, and inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, charge-offs, 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 2025-11-20 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: SC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the TransUnion, Equifax, and Experian 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 an account opened XXXX XXXX XXXX Account Services : XXXX This account have resulted in a hard inquiry and fraudulent charge-off appearing on my consumer FICO credit report. I've already sent all 3 bureaus a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, charge-off, or hard inquiries as reported. The aforementioned accounts, charge-off, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, charge-offs, and inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, charge-offs, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX  Report didnt provide me with anything showing that repo on my credit dont belong to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX XXXXnd there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Debt Validation Letter XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX, NV XXXX Heres your XXXX XXXX XXXX updated with your name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX Subject : Request for Debt Validation Pursuant to FDCPA 15 U.S.C. 1692g To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt. This letter is a formal request for validation of the debt, as is my right under the Fair Debt Collection Practic

es Act ( FDCPA ), 15 U.S.C. 1692g. Please provide complete and verifiable documentation, including : The name and address of the original creditor. A detailed accounting/statement of how the alleged amount was calculated. A copy of the original signed contract or agreement bearing my signature.

Proof that you are legally authorized to collect this debt in my state.

A copy of your license number and registered agent information ( if applicable ).

Verification that the statute of limitations has not expired.

Until you provide the above documentation, you must immediately cease all collection activities, including reporting or verifying any information with the credit bureaus, as required by 15 U.S.C. 1692g ( b ).

If you have already reported this alleged debt to any credit reporting agency, be advised that continuing to report unverified information is a violation of the Fair Credit Reporting Act ( FCRA ) 623, and I will not hesitate to take legal action if necessary. 
Please send all requested information to the address listed above. I expect your response within the legally required timeframe. 
Thank you. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion ( TU ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-11-20 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: TX

Complaint narrative:
Kindly examine the information shared ; the inquiries surfaced without notice and might not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Follow-Up on Complaint Ongoing Misrepresentation & Dealer Pressure Complaint # XXXX Dear, CFPB I previously submitted a complaint regarding the purchase of a 2022 XXXX XXXX XXXX from XXXX XXXX XXXX including unauthorized financing through Ally Bank. Since that submission, the dealer sent me a text stating I have a last chance to cancel, which is a clear attempt to pressure and intimidate me while my rescission request is pending. 
The issue is still unresolved. I have not received confirmation that my rescission is being processed, and I am concerned my credit may be impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-20 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: CA

Complaint narrative:
Dear Sir/Madam, I am submitting a formal dispute regarding the following accounts that are currently reported as charged-off on my Experian credit report. The details of the disputed accounts are as follows : Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-20 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: FL

Complaint narrative:
I am disputing the accuracy and verifiability of the tradeline XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX acct # XXXX ] ) on my Experian report. Experian is reporting this account as charged off with {$910.00} past due and continues to show monthly CO history through 2025. 
Experian Due to the well-documented Experian data breach, I am especially concerned that Experian is reporting information without adequate verification. Under 15 U.S.C. 1681e ( b ) Experian must maintain maximum possible accuracy, and under 15 U.S.C. 1681i ( a ) must conduct a reasonable reinvestigation and delete or correct information that can not be verified. 
I request Experian provide competent documentary verification supporting every data point being reported ( charge-off status, balance, dates, and continued monthly XXXX  reporting ) . If Experian can not fully substantiate the reporting, this tradeline must be deleted from my file. 
Requested resolution : A true, documented reinvestigation ; Deletion if the account can not be fully verified as reported ; Written results and an updated 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 explanation
Consumer complaint received 2025-11-20 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:
I am submitting this complaint regarding the inaccuracies in my credit report. Below are the details of the accounts that I believe are reported incorrectly. These inaccuracies are affecting my credit score, and I am requesting immediate attention and correction from the credit reporting agencies involved. 

CHARGED-OFF ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Amount : {$2900.00} Dispute Reason : Inaccurate reporting, incomplete account information. 

XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Amount : {$1300.00} Dispute Reason : Incorrect reporting of account status and balance. 

XXXX XXXXXXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Amount : {$1900.00} Dispute Reason : Inaccurate reporting of the account status and balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Debt Validation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Pursuant to FDCPA 15 U.S.C. 1692g To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt. This letter is a formal request for validation of the debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide complete and verifiable documentation, including : The name and address of the original creditor.

A detailed accounting/statement of how the alleged amount was calculated.

A copy of the original signed contract or agreement bearing my signature.

Proof that you are legally authorized to collect this debt in my state.

A copy of your license number and registered agent information ( if applicable ).

Verification that the statute of limitations has not expired.

Until you provide the above documentation, you must immediately cease all collection activities, including reporting or verifying any information with the credit bureaus, as required by 15 U.S.C. 1692g ( b ).

If you have already reported this alleged debt to any credit reporting agency, be advised that continuing to report unverified information is a violation of the Fair Credit Reporting Act ( FCRA ) 623, and I will not hesitate to take legal action if necessary.

Please send all requested information to the address listed above. I expect your response within the legally required timeframe.

Thank you. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation