vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: LEXISNEXIS
State: VA

Complaint narrative:
I obtained my LexisNexis full consumer disclosure report, which is dated XX/XX/XXXX. The document is XXXX pages. 
I have two screen recordings : a XXXX video and a XXXX video. The XXXX video captures over 1,068 incorrect and unauthorized email addresses, each listed with model numbers and serial numbers Ive never used. These records were added after I permanently opted out and froze my LexisNexis file on XX/XX/XXXX. 
Many of these emails were collected in XX/XX/XXXX ( XX/XX/XXXX, XXXX ), clearly violating my file freeze and opt-out. Some records go back as far as XXXX and XXXX ( including XXXX  XXXX ) but were never disclosed to me until after I requested a full file disclosure in late XXXX. 
I also previously disputed four pages of incorrect personal data, including : A false business association with XXXX XXXX and A marital status claim that I was married with XXXX children living in XXXX 
While the marital and XXXX XXXXXXXX data appears to have been deleted, LexisNexis never updated me on this removal despite sending update notices about driving records. 
These actions suggest : Negligence in honoring my file freeze. Failure to investigate and correct previously disputed data. Ongoing unauthorized aggregation of private data from questionable sources. 
I am requesting a full investigation, removal of the unauthorized records, and an updated/corrected copy of my consumer file. Im prepared to share the video recordings with LexisNexis, the CFPB, or my legal counsel as needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: LA

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX  Date : XX/XX/year>XXXX  XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX  Date : XX/XX/scrub>XXXX XXXX Date : XX/XX/scrub>XXXX XXXX Date : XX/XX/year>

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 2025-05-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 non-monetary relief
Consumer complaint received 2025-05-26 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:
Subject : Formal Request for Reinvestigation Second Dispute Notice ( FCRA 1681i, 1681s-2 ( b ), Metro 2 Compliance ) To Whom It May Concern, This letter serves as a formal SECOND dispute notice regarding inaccurate, incomplete, and unverifiable derogatory information appearing on my Experian credit file. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of any disputed item, and under 1681s-2 ( b ), data furnishers must ensure accuracy and completeness when reporting to consumer reporting agencies.

Your prior investigation was insufficient and failed to correct or remove accounts that are in violation of both federal consumer law and Metro 2 data formatting standards. Below is a detailed list of each account being disputed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: AR

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 non-monetary relief
Consumer complaint received 2025-05-26 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: LA

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX  Date : XX/XX/year>XXXX  XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX  Date : XX/XX/scrub>XXXX XXXX Date : XX/XX/scrub>XXXX XXXX Date : XX/XX/year>

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 2025-05-26 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: LA

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX  Date : XX/XX/year>XXXX  XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX  Date : XX/XX/scrub>XXXX XXXX Date : XX/XX/scrub>XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
XX/XX/XXXX I filed dispute for unauthorized ATM withdrawals on my account I was denied XX/XX/XXXX there was XXXX transactions totalling XXXX $ including ATM fees. On XX/XX/XXXX I disputed a second claim and was denied XX/XX/XXXX this is for the XXXX transactions that were combined XXXX $ and XXXX XXXX I submitted the proper documents including police report, FTC REPORT, PROOF OF MY IDENTITY THEFT AND DATA BREACH FROM XXXX AND XXXX XXXX XXXX SERVICES WHICH BOTH COMPANIES LEAKED OR SOLD MY PERSONAL INFORMATION WHICH INCLUDED MY SOCIAL SECURITY NUMBER AND LICENSE FOUND ON THE DARK WEB XXXX XXXX WAS XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX IS XXXX XX/XX/XXXX. So I called chime customer service for the XXXX time requesting Disclaimer report and details of the investigation I asked for this information on XX/XX/XXXX I got no response so after the appeal and denial I called again XX/XX/XXXX and asked again for disclaimer report and investigation report and why I was denied again they just kept giving me the run around then saying it would take up to XXXX to receive the reports reminder I officially asked for the reports on first dispute date XX/XX/XXXX and still today I receive nothing I explained to Chime the laws about my rights to ask for this information of my dential they would hear nothing of it the chime banking has a XXXX LIABILITY INSURANCE POLICY meaning customer is not responsible and such and the company doesn't even back up their own policy so that's where I'm at.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
Equifax you sent this letter in the mail need additional information that's XXXX XXXX the same day you mail me this report with my name and address XXXX XXXX XXXX conf # XXXX { to CFPB this stall tactic has to stop } again I have ask for this information from Equifax and XXXX bank 5 times with no response. XXXX acct XXXX have requested 5 times for this information your refusal to comply with my request will now be forward to the Attorney General of the State of TEXAS I have all documents from CFPB FTC FDIC XXXX Equifax That you refuse to comply all, l will be forward to Attorney General I request this information for the sixth time or remove account. Again respond through the CFPB I am building a very good case for legal case against all parties payment history is not legal response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX. Account # XXXX I'm unaware of this dispute and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " certified mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: GA

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 2025-05-26 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: GA

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 2025-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am filing this complaint regarding a debt collection notice issued by Columbia Debt Recovery LLC, to which I responded in writing on XX/XX/year>, prior to their stated response deadline of XX/XX/year>. Despite my timely dispute, the debt collector failed to respond, investigate, or provide verification of the debt. Instead, they proceeded to report the alleged debt to the credit bureausin violation of my rights under federal law. 

This conduct is in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : FCRA Violations : Under XXXX XXXX XXXX  XXXX ( a ) ( XXXX ) and XXXX ( b ) of the FCRA : A furnisher of information ( such as a debt collector ) must not report information to a credit bureau that is known to be inaccurate or that is under dispute without indicating the dispute. 

Once a consumer disputes the accuracy of an account, the furnisher is legally required to investigate the dispute within XXXX  days and report the results to the credit reporting agencies. 

If the information can not be verified, it must be corrected or removed. 

Despite my timely dispute, none of these actions were taken before reporting the account to the credit bureaus. 

FDCPA Violations : Under the Fair Debt Collection Practices Act ( XXXX XXXX XXXXXXXX ( b ) ), once a consumer disputes a debt in writing within XXXX days of receiving the initial notice : The collector must cease collection efforts until verification of the debt has been provided. 

Reporting the debt to credit bureaus during this unresolved dispute period constitutes continued collection activity, which is expressly prohibited. 

Request for Relief : Given the violations noted above, I respectfully request that the CFPB : Investigate the actions of Columbia Debt Recovery LLC for noncompliance with the FCRA and FDCPA. 

Require the immediate deletion of this negative entry from my credit reports with all credit bureaus. 

Ensure that the debt collector is held accountable for these violations of federal consumer protection laws. 

I have attached a copy of my written dispute, dated XX/XX/year>, and proof of timely submission. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and inform me of the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The account listed below is not mine and I have no knowledge of this account! this account was unauthorized 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 2025-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX CREDIT CARD # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent a proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my credit report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been receiving the 4 % interest rate but when I inquired about not receiving the {$520.00} bonus after meeting the requirements, I was informed that the 4 % promotional rate overrode the {$520.00} bonus code and that I could not get both the {$520.00} and the 4 % on the same account. This isnt specified in any of the terms of the offers nor was I advised of this upon adding the promotional rate code to my existing savings account. The terms of the 4 % offer only state that if I already had a promotional rate in place, then the new bonus code would override the previous promotional rate bonus code, but that didnt apply to me and nothing was said about it overriding the {$520.00} bonus code since the codes are entered in a separate system ( according to that banker ). 

These are two separate offers and I am entitled to both the {$520.00} bonus for opening the Platinum savings account and the 4 % promotional interest rate added on a separate occasion. Nothing in the terms prevents me from receiving both since I wasnt a current owner of a Wells savings account, nor had I received any other savings offer bonus or promotional rate requiring a bonus code in the past 12 months ( per the terms of the {$520.00} offer ) and nothing in the terms prevents me from also getting the 4 % promotional rate ( per the terms of the 4 % offer ). 

Opened opened a Wells Fargo XXXX savings account ending in XXXX with a promotional code of 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 monetary relief