vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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 disputing the reporting of a bankruptcy public record that is both inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). 

LexisNexis is furnishing a XXXX  XXXX bankruptcy to Equifax under XXXX XXXX. XXXX from the XXXX Bankruptcy XXXX XXXX XXXX XXXX Texas, which was filed XX/XX/year> and dismissed/closed XX/XX/year>. This case did not result in a discharge of debts and should not be reported as an active or completed bankruptcy. 

This record is harmful because a dismissed bankruptcy is not a completed bankruptcy. It is misleading to present it in the same format as a bankruptcy that was granted/discharged, as this misrepresents my creditworthiness to lenders. This violates FCRA 607 ( b ), which requires maximum possible accuracy, and 611 ( a ), which requires correction or deletion of incomplete/misleading data.

Additionally, I request full disclosure under FCRA 609 ( a ) ( 1 ) of the exact public record source LexisNexis is using, the name of the individual who verified the record, and the method of verification. If LexisNexis is unable to obtain current, direct confirmation from the court showing an active bankruptcy, it must delete the record under 611 ( a ) ( 5 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act _ ) Account # XXXX has violated my rights. 15 U.S. C 1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
IN ACORDANCE WITH THE FAIR CREDIT REPORTING ACT 15 U.S.C 1681 SECTION 602 A. STATES | 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 An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 1. Bank : XXXX, XXXX. 
ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX  XXXX  : XXXX XXXX, HAS VIOLATED MY RIGHTS. 
ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
ACCOUNT # 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 2025-08-09 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: NC

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA XXXX the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
I submitted a request to have XXXX  equifax and Experian to remove all incorrect information since XX/XX/year> and nothing happened. I submitted a complaint for XXXX  I am requesting this complaint is investigated on all thread credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: SC

Complaint narrative:
I am filing this complaint against Experian for reporting inaccurate and damaging information on my credit report, despite my prior disputes and requests for correction. These errors have negatively impacted my credit score and financial opportunities.

Wrong Addresses Experian is reporting the following addresses that do not belong to me and have no connection to my personal or credit history : XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX I have never lived at or been associated with these addresses. Their presence on my report violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), which requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy.

Inaccurate Late Payments Experian is reporting late payments for the following accounts, which are false and unverifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance {$0.00} ) These accounts either have been paid in full or were never delinquent. Reporting these late payments is misleading and harmful. 

Inaccurate Charge-off Experian is also reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance {$0.00} ) as a charge-off. This is inaccurate because the account was resolved and is not in default. Listing it as a charge-off when the balance is {$0.00} misrepresents the account status and violates FCRA 1681i ( a ) for failing to correct disputed information.

Despite my disputes, Experian has failed to conduct a reasonable reinvestigation or provide verification from the data furnishers. This is a direct violation of my rights under FCRA 1681i and 1681e ( b ). 

I request that the CFPB require Experian to : Immediately delete the inaccurate addresses and account information. 

Provide documentation showing how each disputed item was verified. 

Ensure proper procedures are in place to prevent future reporting errors. 

These inaccuracies have caused financial harm, and I expect immediate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
On XX/XX/year>, I received a debt collection notice from Gurstel Law Firm , P.C . with reference number XXXX. 

On XX/XX/year>, I sent an email to Gurstel Law Firm asking for information to validate the debt ( copy attached ). 

On XX/XX/year>, I received a package from Gurstel Law Firm, however, they failed to validate the debt and only provided bank statements. 

Under the Fair Debt Collection Act, I believe that in insufficient information to verify or validate debt. 

Gurstel Law Firm failed to provide all the information I requested for and did not identify if they own the debt or trying to collect an alleged debt on behalf of XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
I am submitting this complaint against Equifax and TransUnion for reporting late payments and hard inquiries that are inaccurate, unverifiable, or improperly documented in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

XXXX XXXX Accounts in Dispute : XXXX. XXXX XXXX ( XXXX XXXX ) XXXX marked with XXXX missed payments ( XXXX days late ) including dates in XXXX, XXXX, XXXX, and XXXX. 
No signed payment agreement, payment history logs, or original account-level documentation have been provided to validate these derogatory marks. 
Per FCRA 607 ( B ) and XXXX XXXX XXXX XXXX any unverifiable or inaccurately reported delinquencies must be removed. 
XXXX. XXXX XXXX ( Credit Card Closed ) Showing XXXX missed payments prior to closure. 
Failure to supply proof of delinquency supported by original records violates FCRA 611 ( A ) and XXXX XXXX requirements for accurate reporting of payment history. 



Hard Inquiries in Dispute : The following inquiries, reported by TransUnion, are not authorized or lack permissible purpose under FCRA 604 ( a ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries must be removed if the furnishers can not provide documented proof of my written consent or a permissible purpose for obtaining my credit file. 



FCRA XXXX XXXX XXXX Violations : FCRA 602A & 607 ( B ) : All items must be complete and accurate. 
FCRA 611 ( A ) : Requires deletion of unverifiable or inaccurate information after reinvestigation.

FCRA 623 ( A ) ( 1 ) : Furnishers can not report information they know or should know is inaccurate.

FCRA 604 ( a ) : Hard inquiries must have a permissible purpose and be authorized by the consumer. 
XXXXXXXX XXXX XXXX XXXX : Late payment indicators must be supported by valid, verifiable records. 
XXXX XXXX XXXX XXXX XXXX : Any disputed account must reflect an active dispute ; failure to do so violates both XXXX XXXX and the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unauthorized information being reported on my credit file. The following addresses, inquiries, and account details are being reported in error. These items are harming my creditworthiness, causing financial and emotional distress, and are in violation of federal consumer protection laws. I have already contacted the credit bureaus regarding these inaccuracies, but they have failed to properly investigate and correct the errors. I am now seeking the CFPBs assistance in ensuring my rights are protected under the law and that these items are removed immediately. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$380.00} Late Payment Law : FCRA 607 ( b ) Maximum Possible Accuracy ; FCRA 611 Duty to Reinvestigate Issue : Late payment history is inaccurate and has not been validated Story : I have maintained timely payments on this account, and the current reporting is damaging my credit ; the original creditor has not supplied verifiable proof of the delinquency despite prior requests ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$640.00} Late Payment Law : FCRA XXXX ( b ) Maximum Possible Accuracy ; FCRA 611 Duty to Reinvestigate Issue : Reported late payment is unverifiable and inconsistent with my records Story : I dispute the accuracy of this claim as I have evidence of on-time payments ; the continued reporting of false delinquencies violates my rights under the FCRA The above addresses and inquiries are being wrongfully reported, causing me significant harm. They are lowering my credit score, damaging my ability to obtain fair credit, and creating the impression that I am linked to fraudulent activity or other individuals ' credit histories. These are clear violations of my rights under the FCRA, as the credit bureaus and furnishers are obligated to ensure accuracy and completeness of reported information. I have already disputed these inaccuracies directly with the credit bureaus, providing them with detailed evidence proving these items do not belong to me. However, they have willfully ignored their duty to conduct a reasonable investigation and have instead continued to publish false and harmful data on my credit report. This behavior shows a reckless disregard for the law and my consumer rights. I am requesting that the CFPB compel the credit bureaus and furnishers to immediately remove these inaccurate addresses and unauthorized inquiries, and to confirm the permanent deletion in writing. Additionally, I am requesting an investigation into the practices of the credit bureaus and furnishers involved to ensure they implement proper verification procedures moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
Hello, I am filing this complaint because the credit bureaus failed to investigate my dispute of false reporting on my credit report. I have contacted them twice so far and most recently they have not corrected the errors on my report and they have not removed them. They have XXXX days to investigate and that is more than enough time. I sent them all verifying docs as well as a detailed explanation as to what the issue is. I am aware of the laws and they can't do that legally. They must remove this stuff from my reports immediately. I am currently looking at other options to resolve this with a consumer rights attorney if this is not fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood has held my money in my account, unable to be accessed, for over a month now. They have locked access so that I can not move money out of it, can not use my debit card, effectively holding my money XXXX from me. They have claimed this is for my security. I have provided multiple forms of identity verification, but they still do not unlock access to my account. That account is my only access to funds - I have been living off of XXXX 's from friends and relatives. I haven't eaten in three days, and I ran out of dog food for my two puppies last night. I will try the food banks today, although since I don't have a car and public transportation is not free in XXXX, walking to them without eating in 3 days might not be possible.

Robinhood still will not give me access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: OK

Complaint narrative:
I had unauthorized transactions on my XXXX  account. Before the transactions occurred, I changed my phone number and got a new device. I was unable to log into my Dave account after the change, and I did not receive any text alerts about the transactions.

Dave denied my dispute, citing frequent authenticated logins and that I receive text alerts during the reported transaction activity. This is factually incorrect because I had no access to the account or the phone number on file during the disputed period. I informed Dave of this multiple times, but they ignored this fact in their investigation.

Under the Electronic Fund Transfer Act and Regulation E ( 12 CFR 1005 ), a financial institution must investigate unauthorized electronic fund transfers and can not hold a consumer liable unless they can prove the consumer authorized the transfers. Dave has not provided proof that I authorized these transactions from my current device or phone number.

I am requesting the CFPBs assistance in compelling Dave to conduct a proper investigation, provide the evidence they relied on to deny my claim, and return the funds for the unauthorized transactions. 

I am happy to provide documentation showing my phone number change, my new device details, and proof that I was locked out of my account during the time of the disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
Complaint Regarding Inaccurate Debt Reporting by XXXX XXXX To Whom It May Concern, I am writing to formally dispute an inaccurate debt entry placed on my credit report by XXXX XXXX, which has caused a negative and unjustified impact on my credit score. 

The entry in question lists an inaccurate amount owedinflated with court fees not incurred for filings and property damage information. This reporting is inaccurate, misleading, and does not reflect my actual credit history. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure that all data they provide to credit reporting agencies is accurate and complete. The false location and associated negative account constitute a violation of these standards. 

This error has already harmed me by lowering my credit score and potentially affecting my access to credit and favorable lending terms. I request that the CFPB investigate this matter and require XXXX XXXX to correct the inaccurate entry immediately with all credit reporting agencies. 

Please promptly address and rectify the inaccurate entry with all credit reporting agencies. 

Provide written confirmation that the correction has been made. 

Please discontinue any further reporting of inaccurate information related to this debt. 

Please acknowledge receipt of this complaint and keep me informed of the investigations progress.

Company response to consumer: Closed with explanation