vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: MI

Complaint narrative:
I received an email from LexisNexis Escalations explaining that they havent received sufficient XXXX documentation to accommodate my request. I have confirmation emails, and verbal confirmation from several reps that the documents have been received and are readable. Nonetheless, I received my updated consumer report in the mail and I have updated my dispute to reflect it. My XXXX documentation has been verified with plenty of agencies including XXXX legal team, so I am 100 % sure that it is sufficient. I have attached all of the documents to this complaint so that were all on the same pages Considering the fact that I have been trying to rectify this situation for quite some time now, and I really need this corrected urgently, I am asking that Lexis Nexis please block this information as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate and I want them removed immediately from my credit reporting ; XXXXXXXX XXXX XXXX - account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - account XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank - account XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-04-06 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: VA

Complaint narrative:
I am writing to formally dispute and request the deletion of the derogatory account reported by XXXX XXXX, partial account number XXXX. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681c, Section 605 ( a ) ), negative information such as charge-offs can not be reported for longer than seven ( 7 ) years from the date of first delinquency or last activity.

In this case, the last reported activity on this account was XX/XX/year>, and for Equifax, the last activity was listed as early as XX/XX/year>. As of today, this information is past the 7-year reporting limit and must be permanently removed from my credit file.

I respectfully request that this account be deleted immediately from all credit reporting agencies where it appears ( TransUnion and Equifax ). I expect written confirmation once the item has been removed.

Thank you for your attention to this matter.

Sincerely,

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 2025-04-06 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX Date XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Notice of Deletion of Account from XXXX Credit Report and Request for Removal from All Other Credit Reporting Agencies Dear Sir/Madam, I am writing to formally notify you and the Credit Reporting Agencies ( CRAs ) that a charge-off account originally reported by XXXX XXXX XXXX XXXX , which was reflected on my XXXX credit report, was deleted following a dispute I initiated. The investigation into the disputed account was completed on XX/XX/year>, and XXXX has confirmed that the account was removed from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), which mandates that any information reported to the credit bureaus must be accurate and verifiable, I request that the CRAsXXXX, XXXX, and Equifaxalso remove this unverifiable debt from my credit report. XXXX has already deleted this account from my file, and as such, I expect the same action to be taken by the other credit bureaus within 30 days of this notice, or as stipulated by consumer protection laws.Under the FCRA, you are required to ensure that all information on my credit report is accurate, complete, and verifiable. If an account is found to be unverifiable, you must delete it from my credit report. If this account continues to appear on my report despite the deletion from XXXX, I will pursue all available legal remedies, including but not limited to filing a lawsuit for violations of the FCRA, as outlined in Section 1681i of the FCRA, which mandates that disputed items be corrected or deleted if they can not be verified.

Furthermore, I would like to reference Section 1681e ( b ), which states that the CRAs must follow reasonable procedures to ensure the accuracy of the information they report. The inability of XXXX XXXX XXXX XXXX to verify this account has already been confirmed by XXXX, and as such, I expect the other credit bureaus to comply with the FCRA and remove this unverifiable debt from my report. 

If the account is not removed from my credit report within 30 days, I will consider legal action, which may include filing a claim for damages under Section 1681n of the FCRA, which provides for civil penalties in the event of willful violations of the law. Additionally, I reserve the right to seek compensation for any harm caused by the continued presence of this unverifiable debt on my credit report, including damage to my credit score, reputational harm, and emotional distress.Please consider this letter as a formal request for immediate removal of the unverifiable debt from my credit report. I expect a response within the timeframes required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Subject : Request for Removal of Unverifiable Charge-Off from Credit Report Dear Sir/Madam, I am writing to formally request your assistance with the removal of an unverifiable charge-off listed on my credit report maintained by the three major Credit Reporting Agencies ( CRAs ) XXXX XXXX XXXX Equifax, and XXXX. 
On XX/XX/2025, I successfully disputed a charge-off from XXXX XXXX XXXX account number : ( XXXX ) on my XXXX credit report. Following the completion of this dispute, XXXX has confirmed the account was deleted from my report as it could not be verified. The investigation concluded that the account was unverifiable, and thus, XXXX acted in accordance with the requirements set forth by the Fair Credit Reporting Act ( FCRA ) by removing the account. 

I request that the three major XXXX, Equifax, and XXXX immediate action to remove the same unverifiable charge-off from my credit reports. Since XXXX has confirmed that the account was unverifiable and has subsequently deleted it from my report, it is only reasonable that the other CRAs follow suit.

The FCRA ( 15 U.S.C. 1681i ) mandates that credit reporting agencies must ensure the accuracy and integrity of the information reported on consumer credit reports.

Please be advised that under the FCRA, credit reporting agencies have an obligation to correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. I respectfully request that this deletion occur within 30 days from the date of this letter. 
If the unverifiable account is not removed from my credit report within the XXXX time frame, I will take appropriate action to protect my rights under the FCRA. This includes my right to take legal action for damages caused by the continued reporting of unverifiable or inaccurate information ( 15 U.S.C. 1681n ). Furthermore, if this matter is not resolved promptly, I will not hesitate to pursue all legal remedies available to me, which may include filing a lawsuit for actual damages, punitive damages, and attorney fees, as well as any other remedies available under the law. 

I kindly request that you confirm in writing the removal of this account from my credit report and the correction of any information related to this account within 30 days. 
Thank you for your immediate attention to this matter. Please feel free to contact me at the above-listed contact information if you require any further details or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XXXX XXXX2025 I submitted a dispute to Experian via certified mail. It was received on XX/XX/XXXX. All items came back verified and/or updated. I am requesting verification of previous investigation, in accordance with 15 USC 1681b of the FCRA. On XX/XX/XXXX I submitted a reinvestigation via certified mail highlighting the inaccuracies on my 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 2025-04-07 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
In XX/XX/scrub> 2024 I had made an order with XXXX  which totaled out to {$36.00}. Before it was to be delivered I told my XXXXr ( the delivery person ) to refund something off my order which should have bought it down to {$13.00}. XXXX made some kind of error and I was Charged full price. Ive worked with my XXXX to provide proof that an error was made, and I gave it to chime and they denied my claim. They denied my claim 4 times, but on the 3rd time they gave me a temporary credit while they investigate. They didnt investigate properly and they took away the credit which took my account into the negatives. They then closed my account on XX/XX/scrub> 2024. Ive reached out to chime about this, and they declined to tell me exactly why they have closed my account. I have photos of all the evidence to support the things I have said, but some contain personal information. I would like to wait to hear you guys response before I send the evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I filed a complaint ( attachment CFPB XXXX ) against BMO for their failure to provide me with a {$100.00} gift card for completing a My Financial Review , which I did, and they responded to CFPB and you put " Closed with monetary relief. '' However, all I got from BMO was an email ( attachment Your Voice Makes a Difference to BMO ) asking how they'd done (?! ) but no email with a link to my {$100.00} gift card. ( I checked my Junk Folder as well. ) I waited until XX/XX/XXXX to give them a chance to send an email with a link to the gift card as they have told CFPB, but still no luck. I reached out to BMO Customer Service and on XX/XX/XXXX at XXXX XXXX I spoke with XXXX who opened up a investigation ( Case Number XXXX ) and XXXX said that I would hear from BMO " ... within five business days. '' I asked XXXX if he would send me an email confirming that the case had been filed, but he stated he was unable to do so. 

It's been 17 business days, and all I've received are multiple " Your Voice Makes a Difference '' survey emails, but nothing whatsoever about my promised gift card. I completed the My Financial Review in XX/XX/XXXX, so we are now seven months into the run around from BMO.

I really appreciate any way CFPB can " encourage '' BMO to complete the fulfillment of my {$100.00} gift card for having completed their My Financial Review seven months ago.

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 monetary relief
Consumer complaint received 2025-04-06 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: IL

Complaint narrative:
I am writing to dispute inaccurate information and improper use to my credit report. My Personal Information Was Exposed to the Data Breach and is currently being shared on the dark web. I have reached out numerous times to Transunion with Proper Verification. Everytime they indicate, documents with validation is being mailed to my house which I never receive. Under 15 U.S.C. 1681e, The Credit Reporting Agencies are required to follow all reasonable procedures to ensure the accuracy of a consumer credit report. Im demanding that Transunion Remove all these inaccurate, outdated, misleading information on my credit report. I file an Affidavit with the FTC due to the fact that my identity was compromised by the Equifax Data Breach and is currently being sold on the dark web. Im asking again for a proper verification with written documentation to be uploaded here as PROOF.

The accounts that Im demanding to be removed immediately due to inaccuracy, improper validation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Account Name : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Name : XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Account Name : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Account Name : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Name : Bankruptcy XXXX XXXX XXXXate Filed : XXXX Account Name : Bankruptcy XXXX XXXX Date Filed : XXXX Account Name : Bankruptcy XXXX XXXX Date Filed : XXXX The Credit Agencies are reporting inaccurate, Unverified, outdated, and misleading information on my credit report. I want all steps taking to investigate these accounts, In WRITING with proper documentation proving the investigation. If the company cant send me the required documentation in writing uploaded via this site, because I never received any documentation from previous verified accounts.

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 2025-04-06 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: IL

Complaint narrative:
I am writing to dispute inaccurate information and improper use to my credit report. My Personal Information Was Exposed to the Data Breach and is currently being shared on the dark web. I have reached out numerous times to Transunion with Proper Verification. Everytime they indicate, documents with validation is being mailed to my house which I never receive. Under 15 U.S.C. 1681e, The Credit Reporting Agencies are required to follow all reasonable procedures to ensure the accuracy of a consumer credit report. Im demanding that Transunion Remove all these inaccurate, outdated, misleading information on my credit report. I file an Affidavit with the FTC due to the fact that my identity was compromised by the Equifax Data Breach and is currently being sold on the dark web. Im asking again for a proper verification with written documentation to be uploaded here as PROOF.

The accounts that Im demanding to be removed immediately due to inaccuracy, improper validation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Account Name : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Name : XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Account Name : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Account Name : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Name : Bankruptcy XXXX XXXX XXXXate Filed : XXXX Account Name : Bankruptcy XXXX XXXX Date Filed : XXXX Account Name : Bankruptcy XXXX XXXX Date Filed : XXXX The Credit Agencies are reporting inaccurate, Unverified, outdated, and misleading information on my credit report. I want all steps taking to investigate these accounts, In WRITING with proper documentation proving the investigation. If the company cant send me the required documentation in writing uploaded via this site, because I never received any documentation from previous verified accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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:
After reviewing my credit report, I notice that I have fraudulent accounts listed on my profile as collections. The negative account as well as the hard inquiries are hurting my ability to obtain new credit. Please remove the negative accounts and inquiries from my credit profile as I have been a victim of identity theift

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 2025-04-06 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: SC

Complaint narrative:
After reviewing my credit report, I notice that I have fraudulent accounts listed on my profile as collections. The negative account as well as the hard inquiries are hurting my ability to obtain new credit. Please remove the negative accounts and inquiries from my credit profile as I have been a victim of identity theift

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