vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: LEXISNEXIS
State: MI

Complaint narrative:
This is a followup to complaints XXXX and XXXX, which were not resolved by Lexis Nexis. 

Here is the text of my original complaint : I learned that my Lexis Nexis consumer report had record of an at-fault automobile accident. The accident was not-at-fault, and the date of loss was XX/XX/XXXX. Upon learning this, I contacted XXXX, who wrote a letter in XXXX of XXXX  confirming that the accident was not-at-fault. Nevertheless, over the last 2 years, the incorrect reporting by Lexis Nexis has driven up my automobile insurance rates. I heavily pursued getting this corrected on Lexis Nexis ' end in the fall of XXXX. Their correction processes have been incredibly cumbersome and it is nearly impossible to get direct answers or to speak to someone over the phone who can help. Their phone call centers lead to dead-ends. Lexis Nexis continues to tell me they can not even issue me a copy of my own report due to failure to verify my identity, despite providing copies over time of my driver 's license and passport. Nevertheless, I provided Lexis Nexis with my letter from XXXX, intended to correct the record, but Lexis Nexis didn't accept the letter and won't correspond with me. 

After filing complaint XXXX, Lexis Nexis called me to verify my information so they could send my report. Over the phone, their representative told me the information confirmation was successful and that me report would be sent to me by U.S. mail. I received correspondence from them, but they still declined to provide my CLUE consumer report based on an inability to verify me. 

After filing complaint XXXX, I was contacted by Lexis Nexis, who didn't know why my information wasn't verifiable, and told me a copy of my report would be sent. I STILL never received the report. This is ridiculous. I filed an additional request for my report directly with Lexis Nexis, and received correspondence stating my identity was not verifiable, despite providing my SSN, current DL number and address. 

This is the last complaint I will file before filing a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: Experian Information Solutions Inc.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I a

m writing to formally dispute the unauthorized enrollment in a loan forgiveness program that I neither consented to nor was made aware of. At no point did I apply for, sign up for, or give permission to be included in any such program. Furthermore, the restructuring or recharacterization of my debt under this program was done without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), individuals have the right to accurate and fully authorized information being reported to consumer reporting agencies. Specifically, Section 602 of the FCRA emphasizes the importance of fairness, accuracy, and the protection of consumer privacy in credit reporting. The unauthorized modification of my account and subsequent reporting to credit bureaus constitutes a violation of these principles. No documentation exists bearing my signature or explicit consent to participate in the aforementioned program. Therefore, any reporting of my account status under this program to credit agencies is inaccurate and must be corrected or removed in compliance with FCRA guidelines. I respectfully request immediate investigation into this matter and remediation of any unauthorized actions taken on my account. In accordance with the FCRA, I expect written confirmation of the investigation and the steps taken to resolve this unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: WV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
They don't allow me to make payments on the capital or principal. Everything goes to interest. I've already tried to resolve this with them 3 times and each person gives me different information. I think they won't let me refinance the car because that's why I'm trying to pay extra to be able to refinance it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
For the past one year since being a customer my financial institution SYNCHRONY BANK has been severely defrauding and financially abusing me, and have now reported my account as delinquent in retaliation for these reports while ignoring them, instead of working to resolve any of the many issues of abuse I have faced at their hand. I contacted CFPB in XXXX regarding this issue and have been repeatedly refused help, specifically by a customer service " supervisor '' named XXXX. XXXX has taken it upon herself to repeatedly abuse me over the phone while refusing to answer any of my questions or concerns whatsoever. XXXX seems to be XXXX XXXX XXXX her speech, screaming, and unable to understand or answer very simple questions related to this ongoing issue. XXXX went out of her way to also block my phone number from being able to contact the toll free help number which was her attempt to get rid of me. Now I will do everything in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the way she and the CFPB have allowed my financial institution to do with your XXXX XXXX  and blatantly intentional ignorance. This is illegal and I am a XXXX person who's rights you have severely violated and for that reason as well as the other listed here I will be pursuing legal action against you, if XXXX doesn't finish what he started and completely wipe out this worthless agency. I can't believe you're so gross and worthless you actually proved XXXX right. I hope XXXX, XXXX, and the rest of the abusive 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 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-23 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX  XXXX Balance {$660.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX - XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Consumer Financial Protection Bureau P.O. Box 27170 Washington , DC 20038 Subject : Formal Complaint Against [ XXXX XXXX XXXX ] Violation of Federal Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ XXXX XXXX XXXX ], located at [ XXXX XXXX XXXX, XXXX, SC, XXXX ], for conduct that I believe violates federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 I attempted to resolve the issue with [ XXXX XXXX XXXX ] but the issue remains unresolved. Their actions have resulted in financialloss, harm to my credit, emotional distress, etc. and I believe they are in violation of federal consumer protection laws. 

I am aware that the CFPB has recently taken legal action against XXXX  XXXX, XXXX, for similar violations concerning credit card practices. I urge the XXXX to investigate this matter and take appropriate action to hold this company accountable for its misconduct. 

Thank you for your time and attention to this matter. Please contact me at your earliest convenience if additional information is required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-23 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Since Freedom Mortgage took over my loan I have noticed a distinct pattern in that my mailed checks take a long time be cashed. Almost always my checks arrive on time and there has been no late fee charged. Last year I mailed a check later than usual and was charged a late fee. I definitely sent it a few days before the due date and assumed it would get there in a timely way. Freedom Mortgage was kind enough to remove the late fee that time. Recently I put the check in the mail on XX/XX/XXXX from here in New Jersey. Freedom Mortgage didn't cash it until XX/XX/XXXX. I called to complain and they put the onus on the USPS and say that they credit the account when the check is received. I know the USPS has it's issues, but ten days from New Jersey to Freedom Mortgage is highly suspect. As I said before, I have noticed that all my checks have taken a long time to be cashed by Freedom Mortgage. It is a clear pattern and I suspect the company of setting up a delay system so they can collect late fees.

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 2025-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
- I received another fraudulent invoice from Wakefield Associates the week of XX/XX/XXXX ( no date indicated on the Wakefield invoice ). Two amounts are listed : {$260.00} and {$260.00}. - Included was another mysterious invoice the shows {$260.00} as having been PAID and XXXX balance as " total due now '' - There was no invoice for the {$260.00} amount that Wakefield falsely claims is owed. - I contacted XXXX XXXXXXXX XXXX, which is listed as the " XXXX services rendered at '' for both charges, and they confirmed there is no outstanding balance owed by me whatsoever and also stated they do not use XXXXXXXX XXXX XXXX XXXX which Wakefield continues to use as a " payment to '' name. - The " service dates '' on Wakefield 's fake invoice show empty placeholders " XX/XX/XXXX '' -The taxpayer ID listed in Wakefield 's letter is not mine. - Fraud alerts have been placed against Wakefield ; XXXX and XXXX have been notified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Received an AMEX giftcard and attempted to use on today XX/XX/year> at XXXX, XXXX, XXXX, and XXXX to purchase items. Card declined everytime. 

Tried adding card to XXXX XXXX to use at same retailers and payment still declined. Had over 20 % more left on card for purchase and it continued to decline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-23 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: TN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Today, LVNV  Funding LLC., attempting to collect a debt that I do not recognize and is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & Equifax didn't make sure it was reporting 100 % correct. In accordance with the FCRA and Metro 2 compliance reporting standards. Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer services and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me. 
4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt.

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing.

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter.

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

Sincerely, 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