vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am filing this complaint against LexisNexis for reporting false, incomplete, and inaccurate information on my consumer file, including incorrect names, addresses, and public record data. 

LexisNexis has repeatedly violated my consumer rights under the Fair Credit Reporting Act ( FCRA ) and related federal laws. The information being reported is not verified, not accurate, and in some cases, appears to be fabricated or obtained through impermissible means. I have verified through XXXXuscourts.gov and the XXXXXXXX XXXX XXXXXXXX for XXXX XXXX XXXXXXXX XXXX XXXX that the courts do not furnish or report consumer data to LexisNexis or any credit bureau. Despite this, LexisNexis continues to report incorrect public record information, including wrong court names, counties, and filing dates which constitutes factual inaccuracy and potential fraud. 

Laws violated include : 15 U.S.C. 1681i Failure to conduct a proper reinvestigation after dispute.

15 U.S.C. 1681a ( 4 ) Misrepresentation of consumer report data.

15 U.S.C. 1681b ( 2 ) Accessing or sharing my personal data without permissible purpose.

15 U.S.C. 1692 Engaging in deceptive and unfair practices.

Rule 9037 of the Federal Rules of Bankruptcy Procedure Unauthorized publication of private and protected court record information.

I have reason to believe LexisNexis has obtained or maintained my information unlawfully and failed to uphold accuracy standards required by law. These ongoing violations have caused me emotional distress, denial of credit opportunities, and damage to my reputation.

I am requesting that the CFPB : Investigate LexisNexis for continued violations of the FCRA and privacy laws. 

Require LexisNexis to delete all inaccurate and unverifiable information from my file. 

Ensure LexisNexis provides a complete and transparent reinvestigation report. 

LexisNexis must be held accountable for its ongoing negligence, false reporting, and misuse of sensitive personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DigniFi
State: MN

Complaint narrative:
Currently, I demand copies of my original documentation that proves responsibility of a posted collection against me personally. 
If the account is now owner by a third-party debt buyer, then I demand certification copies administered through the XXXX XXXX XXXX XXXX that the debt buyer is properly license as a registered debt buyer, and proof of proper surety bonding. 
If the account is valid, then I need a drop-dead date as to when the negative charge-off will be removed from my credit report altogether. 
If the debt buyer purchase can not be proved legally with a Bill of Sale attachment, then the account collection must be deleted from my credit report, and my information must be purged by the debt collection agency. 
A response letter with a contact source of who to call for any negotiation process would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 
I want the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: PA

Complaint narrative:
I am disputing inaccurate and misleading reporting by XXXX on my credit report. The account was closed by the creditor on XX/XX/XXXX, yet they continue reporting late payments and a past-due balance of {$74.00} through XX/XX/XXXX. This is impossibleno payments or delinquencies should appear after closure. 

The report falsely shows XXXX late marks in XXXX even though the last payment was made XX/XX/XXXX. It also lists the account as closed but simultaneously past due, which are contradictory statuses. Different bureaus report conflicting data, with Experian showing updates as of XXXX, while others show the account closed in XXXX. 

These inaccuracies violate FCRA 607 ( b ) ( maximum possible accuracy ), 623 ( a ) ( 1 ) ( A ) ( furnishing known false data ), and 623 ( b ) ( failure to correct upon dispute ). I am requesting a full investigation, deletion of all inaccurate data, and correction across all credit bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: Block, Inc.
State: CA

Complaint narrative:
My identity is being used by a former person who I had dealt with/ family friend XXXX XXXX XXXX his number is now popping up on my credit reports after I still haven't been helped about the inquiry he got from XXXX XXXX in XXXX XXXX XXXXXXXX XXXX My identity and information is being used and no one wants to answer or contact me about the issue I have contacted everyone I possibly can and who can help me is shut down due to government funding. This man has already gotten away with almost XXXX in money because he scammed me now my credit is being used by someone who has blocked all my numbers and accounts and won't answer. He even used his gf too gain funds from me as well all charges below from both since it was a cash app transfer and XXXX  they said they couldn't do anything so I am really frustrated and I don't know what too do first date and amount is XX/XX/year> XXXX and XXXX XXXX XXXX and separate charge XXXX and then XXXX both these dates were for moving and purchases towards an apartment and move in cost due to me thinking I was dealing with actual rental agent documentation of everything sent. 
second date XX/XX/year> is XXXX and another charge XXXX and then from my XXXX  account XXXX since limits we have on apps then XXXX so total of XXXX reported to cash app and chime

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: Chime Financial Inc
State: CA

Complaint narrative:
My identity is being used by a former person who I had dealt with/ family friend XXXX XXXX XXXX his number is now popping up on my credit reports after I still haven't been helped about the inquiry he got from XXXX XXXX in XXXX  XXXX XXXX XXXX My identity and information is being used and no one wants to answer or contact me about the issue I have contacted everyone I possibly can and who can help me is shut down due to government funding. This man has already gotten away with almost XXXX in money because he scammed me now my credit is being used by someone who has blocked all my numbers and accounts and won't answer. He even used his gf too gain funds from me as well all charges below from both since it was a XXXX XXXX transfer and chime they said they couldn't do anything so I am really frustrated and I don't know what too do first date and amount is XX/XX/year> XXXX and XXXX XXXX XXXX and separate charge XXXX and then XXXX both these dates were for moving and purchases towards an apartment and move in cost due to me thinking I was dealing with actual rental agent documentation of everything sent. 
second date XX/XX/year> is XXXX and another charge XXXX and then from my XXXX  account XXXX since limits we have on apps then XXXX so total of XXXX reported to XXXX XXXX and chime

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NH

Complaint narrative:
Total of XXXX XXXX charges that were unauthorized and not from my XXXX account. My dispute keeps getting denied. Ill attach any relevant information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXX theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Thank you for your prompt attention to this serious matter.

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 2025-10-09 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: NE

Complaint narrative:
I am writing to dispute and request the removal of fraudulent information from my TransUnion credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). I have enclosed a copy of my FTC Identity Theft Report ( Report XXXX. XXXX ) to support this request. 

Under this federal statute, once a valid identity theft report is submitted, credit reporting agencies are legally required to block any information that resulted from identity theft within four ( 4 ) business days of receiving the documentation.

The following unauthorized inquiries are the result of fraudulent activity and must be blocked and deleted immediately : Fraudulent Inquiries TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my knowledge or authorization and do not reflect any legitimate or permissible purpose under FCRA 604 ( a ) ( 3 ), 15 U.S.C. 1681b ( a ) ( 3 ). 

I have already contacted TransUnion several times to resolve this issue, but no adequate resolution has been provided. This situation continues to cause me significant harm, including delays in my ability to secure housing for my family. Other credit bureaus have already removed or verified these same inquiries as fraudulent, which further proves their inaccuracy on your records. 

Additionally, I have requested verification documents or contracts from the entities that allegedly initiated these inquiries, but I have received no response for over 60 days. This lack of documentation demonstrates that these inquiries can not be verified and therefore must be removed immediately.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXSubject: Dispute of Incorrect Personal Information on Credit Report\nDear Experian,\nI hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe to be\ninaccurate and unauthorized. After reviewing my credit report, I have identified the erroneous items that\nwere not authorized by me. I kindly request your assistance in investigating and rectifying these\ndiscrepancies.\nBelow are the items which I am disputing:\n1. Please update and remove this incorrect name from my credit report immediately. My correct\nname is XXXX XXXX XXXXXXXX XXXX2. Please remove these incorrect address(es) from my credit report immediately. My correct\ncurrent address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI request that you conduct a thorough investigation into these matters and provide me with the results at\nyour earliest convenience. If you find that these items are indeed inaccurate or unauthorized, I\nkindly request the removal of these items from my credit report.\nI understand that you have 30 days to investigate and respond to my dispute, as stipulated by the\nFair Credit Reporting Act (FCRA). Your prompt attention to this matter is appreciated.\nPlease send me written confirmation once the investigation is complete and the inaccurate information\nhas been removed from my credit report.\nThank you for your prompt attention to this matter. I look forward to a swift resolution.'

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 2025-10-09 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:
am filling a complaint because my creditor is reporting late payment Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are inaccurate and not properly verified I have dispute directly with the credit bureau and the furnisher but the late payments remain without proper validation or documentation under 15 USC 1681S2 a furnisher must report accurate information under 15 US 1681 the credit bureaus must perform a reasonable investigation within 30 days Neither. provide sufficient evidence to support the negative reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am writing to formally express my concerns regarding Bank of Americas handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Bank of America numerous times and reporting discrepancies, my financial institution and Bank of America failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Bank of America has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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 2025-10-09 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: TX

Complaint narrative:
I am not connected with these creditors and did not initiate this inquiry. Kindly remove it promptly.

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 2025-10-09 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: WA

Complaint narrative:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

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 2025-10-09 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: WA

Complaint narrative:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

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 2025-10-09 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:
I have no connection to the listed creditors and never authorized this inquiry. Please remove it from my credit record immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST UNITED BANK AND TRUST COMPANY
State: OK

Complaint narrative:
This is a new account savings and checking to begin with I had asked first United bank to not allow funds out of my bank unless I walk in and someone was able to transfer funds from what the operator told me that shouldent off been able to because her computer would not let her so I asked her how is that the person I spoke to XXXX hours earlier transferred and she looked at my account to see and she was shocked cause the computer wouldent allow it. So I asked how was this person able to do so. So I believe my theft of my account is fro. Inside the bank. And another situation was I walked into a bank to cha he my password and the lady asked out loud what do you want it to be. And that was not ok. For her to be out of her policy to do that. Amd the. My card was used 3 times the same day I slept all day and never used it. So I would like this to be investigated. The bank manager closed my account and sent me the rest of the funds telling me that its I. The best interest of the bank. Only because he said file a police report About the theft and he wasnt obligated to help me by giving me that info. So he k owes someone stold money from my account. But wont help me told me they have to supena those records. XXXX XXXX XXXX My name is XXXX XXXX and the bank account t is a new account T from 2025. Through first United bank and trust.

Company response to consumer: Closed with explanation