vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am filing this complaint against LexisNexis Risk Solutions for violations of the Fair Credit Reporting Act ( FCRA ) related to their failure to process my dispute and the inaccurate reporting of a bankruptcy on my LexisNexis consumer report. 
On XX/XX/year>2025, I mailed a dispute letter to LexisNexis, addressed to their correct mailing address as provided on their official website, disputing an inaccurate bankruptcy entry on my consumer report. To ensure proper identification, I included copies of my government-issued ID, Social Security card , and proof of address, as required. Despite my compliance with their dispute submission requirements, I did not receive a response to my dispute. Instead, my dispute letter was returned to me unprocessed, with no explanation provided by LexisNexis. 
Under the FCRA, specifically sections 611 ( a ) and 623 ( b ), LexisNexis is obligated to conduct a reasonable investigation of consumer disputes within 30 days of receipt and to correct or remove inaccurate, incomplete, or unverifiable information. By failing to process my dispute and returning my letter, LexisNexis has violated these provisions, preventing me from exercising my rights to ensure the accuracy of my consumer report. Furthermore, the bankruptcy entry remains inaccurate and continues to harm my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to verify the accuracy and validity of any disputed information within XXXX  days of receiving this notice. If the disputed information is associated with a data breach, the FCRA further requires that such information be deleted or blocked within XXXX business days. Should verification prove impossible, you are required by law to remove the item from my credit report. 

I have submitted a notarized affidavit affirming that my credit file contains fraudulent accounts and unauthorized inquiries. In light of this sworn declaration, I am formally requesting immediate corrective action to delete or block the disputed entries in order to prevent further harm and ensure full compliance with federal law. 

If you fail to verify the disputed information and continue reporting it in violation of the FCRA, I will have no choice but to seek legal remedies, including actual damages and declaratory relief, pursuant to FCRA XXXX Civil Liability for Willful Noncompliance [ XXXX XXXX. XXXX ]. A copy of this statute is enclosed for your reference. This provision grants me the right to initiate legal proceedings in any competent state or federal court, including small claims court. 

I trust you will fulfill your legal obligations and resolve this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
XXXX XXXX has refused to modify my equity line of credit since XX/XX/XXXX, after I obtained a new job XX/XX/XXXX, so I could pay this equity loan. At that time, I was a XXXX XXXX customer for XXXX yrs with one source of income with all funds being directed deposited to XXXX XXXX since XXXX. I did not have a home preservation specialist calling and assisting the process through for me. I was my own home preservation specialist from XX/XX/XXXX - XX/XX/XXXX. 

After my home was pushed into foreclosure status with over 200 complaints and 50 escalations, my home mortgage, property taxes, HOA, and utilities was not delinquent. I only needed XXXX XXXX to modify my loan for 6 months of payments. Prior to XX/XX/XXXX, there was not an active foreclosure on my home because there was never a hearing but reported to the credit bureaus as a foreclosure. This was intentional malice against my credit report and a move to lock me into foreclosing on my home by blocking other financial institutions to provide any support. 

Even after XX/XX/XXXX, when XXXX blessed me with the finances to pay myself to a reinstatement status, XXXX XXXX 's attorney asked the courts to postpone the hearing date of XX/XX/XXXX, on XX/XX/XXXX, with the county courts. I had to create and escalate another complaint to XXXX XXXX questioning the action on their attorney 's behavior. In this digital age, I letter of reinstated was created within 24 hours of the payment that was 9 times more than my XX/XX/XXXX, requested home preservation payment of my 1st application. 

As of XX/XX/XXXX, and several complaints later, XXXX XXXX has not sent any letters to the credit bureaus to remove the foreclosure that they claimed, I was under with the bank while the account under review. XXXX XXXX XXXX XXXX XXXX XXXX acts as an HR department for the bank. It does not review any audio, internal emails, and employee calls to XXXX XXXX XXXX. They only spin wash complaints and omit to answering your questions. To date, XXXX XXXX can not provide me a consolidation or another financial product because of the foreclosure they reported without a county hearing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: TX

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-20 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: IN

Complaint narrative:
I respectfully request the prompt blocking and removal of the unauthorized accounts currently listed on my credit report. I did not authorize or initiate these accounts and have no knowledge of their origin. Pursuant to XXXX XXXX, I am formally requesting their removal within XXXX  days. The enclosed documentation is provided for your thorough review. Please also note that the account information reported to each bureau is inconsistent and 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 2025-05-20 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: IN

Complaint narrative:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within 15 days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.

06 PROGRESSIVE Please remove it from my credit report.

This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX Please remove it from my credit 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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Failure to Verify/Validate Alleged Debt Navy Federal Account # XXXX * Dear CFPB, I am writing to file a formal complaint against Navy Federal Credit Union for reporting inaccurate , incomplete, and potentially unverifiable information on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and associated federal regulations.

An account with Navy Federal ( account number ending in XXXX * ) is currently being reported on my credit file with the following inaccurate and conflicting statuses : Collection Charge-off Past due These simultaneous and contradictory statuses violate 15 U.S.C. 1681e ( b ) of the FCRA, which mandates that information reported to credit reporting agencies must be accurate and not misleading. A single account can not logically and legally be reported as both a charge-off and in active collection or past due at the same time.

Furthermore, I was contacted by a third-party debt collection agency, XXXX. XXXX XXXX XXXX XXXX XXXX, regarding this account. I exercised my right under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA by requesting validation and verification of the alleged debt. In response, their office stated the following : Your account has been closed with our office, and you will receive no further communication from our office regarding this matter. 

This raises further concern regarding the legitimacy and accuracy of the debt. If the debt was legitimate, it should have been properly validated. The fact that XXXX. XXXX closed the account without providing validation suggests that this debt may not be verifiable and should no longer be pursued or reported.

I am formally requesting that Navy Federal Credit Union : 1. Immediately verify and validate this account in accordance with the FCRA.

2. Provide a copy of any original signed agreement bearing my wet signature that legally binds me to this alleged debt.

3. Cease all collection activities and remove all negative reporting from my credit reports if they can not provide verifiable, lawful documentation of the debt as required under 15 U.S.C. 1681i and 1692g.

4. Immediately correct the conflicting and misleading credit reporting entries, which constitute a violation of 1681s-2 ( b ).

Failure to comply with these obligations under the FCRA and FDCPA subjects Navy Federal to potential statutory damages, civil liability, and enforcement actions. I demand a full investigation and request your assistance in ensuring that my consumer rights are protected under federal law.

Please confirm receipt of this complaint and advise on any additional steps necessary to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I signed up for a XXXX summer camp in XXXX and was told I could pay {$30.00} per week in case my daughter didnt attend the full session. I only intended to pay for the first week, and thats what I authorized. 

Later in XXXX, I noticed a charge of {$240.00} on my account. No one explained ahead of time that I was being charged for multiple weeks or that the payment was non-refundable. If I had been told that, I would not have agreed to pay upfront I only intended to commit week by week, as life can be unpredictable. 

When I realized what happened, I called the XXXX. The representative acknowledged I was told I could pay weekly, but said unfortunately, they dont issue refunds. She put me on hold, came back, and repeated that a refund wasnt possible. Again, this refund policy was never shared with me before the charge. 

I contacted BMO Harris Bank and filed a dispute. I made it clear that I was overcharged not that the transaction was fraud. The bank credited my account temporarily, but later reversed the credit. One rep told me there was no proof from the XXXX, but the charge appeared multiple times so they assumed it was valid. I explained again that I have never used XXXX before, and I only paid once the {$240.00} which I had not authorized in full. She then hung up on me. 

When I called back, a different rep said they did have proof, but Id need to email a separate company to get it. I asked why BMO Harris wouldnt just send me a written explanation or allow me to properly appeal. I was not given a fair process or clear communication, and I am now stuck paying for services I never used or agreed to.

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 2025-05-20 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: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX2025, I received 2 unauthorized charges to my account totaling {$82.00} from XXXX in another state ( arkansas ). I live in Texas. I have never added my chime credit builder card to my XXXX account to purchase anything on line as I receive snap benefits. I have never bought anything from a XXXX located in Arkansas. I have not made an online order from XXXX since XXXX XXXX2025 I reported this to chime just for them to quickly deny my claim. I filed for an appeal just for them to quickly deny it again. Next I get another charge on my debit card, then more unauthorized charges. Chime stated that my account was secure. My account is now in the negative. I received a call from a scamer that said he was with chime. He knew everything i had talked to chime about. He knew I had filed a dispute, added my virtual card to my XXXX XXXXXXXX when i filed the dispute claim, all of my transactions, and that i receive child support and XXXX deposits. I believe someone at chime is selling my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

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 2025-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful, allowing these unauthorized entries to continue causing significant stress and XXXX  in my daily life. As a victim of identity theft, I never authorized or consented to having this damaging information associated with my name, yet I continue to suffer the consequences of these false records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress to my financial well-being and personal reputation. As a victim of identity theft, I've already reported this incident and request your cooperation in expeditiously removing all fraudulent information from my credit report while conducting a thorough investigation. I am prepared to provide necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

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 2025-05-20 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: GA

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 2025-05-20 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
I don't even know where to begin. I opened an account via Cashapp a few years ago. It was really convient to be able to send money to friends and family without fees. I'm not even sure of the date of the 1st " mishap ''. I was sending money for my brother to his wife and on accident, I put in a wrong letter and the money was sent to the wrong person. I reached out to Cashapp hoping they could assist me in getting my money back. Their reply, " You need to reach out to the person yourself to get your money back ''. The problem : when you go and request the funds back, that person has the right to hit refuse. And, according to Cashapp " bylaws '' they will do NOTHING to help you. I've probably lost close to {$350.00} because of this. Now, Cashapp has a " borrow '' feature and it's against their policy to debit money from your bank account, even though they request you to add your account. The APP then actually forces you to add a debit card. Now, the last time I added my card to pay for the borrow that they refused to debit from the account they require you to add, {$100.00} was then taken from my card and sent to someone I don't know, have never done business with, etc.. However, Cashapp wanted me to provide them documents proving it wasn't a valid transaction. It's not that I made a fat finger mistake, I simply didn't authorize the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 non-monetary relief