vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, KY XXXX XXXX Date : XX/XX/XXXX LexisNexis Risk Solutions Consumer Center XXXX XXXXXXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Accident Report Case ID # XXXX / Consumer Number : XXXX Pursuant to 15 U.S.C. 1681g ( FCRA Section 609 ) Dear LexisNexis Risk Solutions, I am writing to formally dispute the accuracy of an accident report associated with my LexisNexis consumer file. The incident, dated XX/XX/XXXX, has been incorrectly attributed to me, XXXX XXXX XXXX, but it should in fact be associated with XXXX XXXX. 

This inaccurate reporting has resulted in an unfair reflection on my consumer file. Attached to this letter is documentation confirming that XXXX XXXX, not I, was involved in the accident in question. 

In accordance with Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), I am exercising my rights and requesting the following : 1. A full disclosure of all information in my file related to this accident, including any details about the source that reported it.

2. The name and contact information of the entity that supplied the inaccurate information.

3. A prompt reinvestigation of this entry and a correction or removal of the erroneous record.

4. A written notice confirming the results of the reinvestigation and any updates made to my consumer file.

Please consider this letter as my formal dispute and request for correction. I expect that this matter will be fully investigated and resolved within the 30-day period mandated by law.

Enclosed Documents : Copy of letter identifying XXXX XXXX as the responsible party Copy of my government-issued ID ( Optional : Copy of a utility bill or other proof of address ) Please confirm receipt of this letter and notify me in writing once the investigation is complete. 

Sincerely, XXXX XXXX XXXX Consumer Number : XXXX Case ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Dispute of Collection Account on Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account listed on my Equifax credit report. The account in question is reported by XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account number. 
I am requesting that this item be investigated and either verified or removed from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). I believe this account is inaccurate because this debt has already been paid. 
Please conduct a thorough investigation and remove or correct this account if it is found to be in error. Under the FCRA, you are required to complete your investigation within 30 days of receiving this letter. Once the investigation is complete, please send me an updated copy of my credit report reflecting the results. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX : are a list any documents such as a copy of my W-2 and Utility bill for proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2400.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} INQUIRIES : XXXX XXXX VA Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : $ XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : $ INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX - Incorrect Personal A - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect XXXX XXXX XXXX - Incorrect Personal XXXX XXXXXXXX - Incorrect Personal These accounts have resulted XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-23 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: NM

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX, Equifax, TransUnion and Experian for inaccurately reporting late payments and marking my account as delinquent on my credit report for the months of XXXX and XXXX, despite the fact that payments were made as agreed upon. 
I was never notified that these payments would be considered late or reported as delinquent to the credit bureaus. Additionally, no billing statement or formal notice was provided to me in advance, which is a direct violation of my rights under 15 U.S.C. 1666b of the Truth in Lending Act, which requires a creditor to send periodic statements and allow a reasonable time to make payment before declaring delinquency.

I have also reviewed the payment timeline and can confirm that the payments in question were not missed and should not have resulted in derogatory marks. Westlakes reporting of these as late or delinquent is both inaccurate and damaging to my credit profile.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), furnishers of credit information are required to report accurate and verifiable data. Reporting these payments as late, without giving proper notice or offering documentation, constitutes furnishing false or unverifiable information. 
I have contacted XXXX directly and requested verification or removal of these late marks, but they have not resolved the matter. I am asking the CFPB to investigate XXXX reporting practices in this case and compel them to remove the inaccurate negative marks from my credit reports with Equifax, Experian, and TransUnion. 

This inaccuracy has caused significant harm to my credit standing, my house buying process and my mental wellbeing, and I am requesting that the matter be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased an item using my Macy 's credit card. On XX/XX/XXXX, I returned the item in store with receipt. After checking my card for the refund, I called XXXX to find out why my account was not credited. They advised me that a merchandise credit certificate was issued. I was told that they would move the credit from the certificate back to my card account. On XX/XX/XXXX, I received the certificate in the mail and called again. Again, I was told that they would they would move the credit. On XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, I was told that my credit card statement would be credited. I have spoken to two supervisors who guaranteed me that this would be done and they would call me and it still hasn't been done. I should not have been issued a merchandise certificate in the first place, my card should have been credited. The amount is {$310.00} and their suggestion was that I can use the merchandise credit. So they would be forcing me to pay the balance on the card and then force me to purchase {$310.00} of merchandise I do not want.

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
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX - I paid balance of {$3200.00} on my XXXX XXXX XXXX Comenity Bank credit card - typically it takes 2-3 days to post and pull from my account. I used the saved checking account that I use every month no updates to account numbers. The next few days nothing - no charge and no typical notice if I'm charged and don't have the funds ( e.g. it was declined ). Nothing. 
XX/XX/XXXX - I received an email from XXXX 's XXXXComenity Bank stating the payment was returned by my bank on XX/XX/XXXX. 
XX/XX/XXXX - Called my bank ( XXXX XXXX ) at XXXX ( recorded line ) they confirmed I was never charged that amount by XXXX/Comenity Bank nor was that amount declined at all the entire month. Then called XXXXComenity Bank they initially said the account that was listed was incorrect/missing numbers so they were not able to charge it. I questioned that as it was the saved account I've used for months and never had an issue and there has been no change on my side. I then pointed out the email stated my bank declined the charge, meaning the account info was correct but I didn't have the funds. She switched what she was saying and stated no, they did charge it but the bank declined it. She refused to refund the returned check fee and stated they did charge my account and unless I had proof they didn't charge it she wouldn't refund it. 
Account center secure- attach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I incurred more than 30 overdraft fees within in the last 365 days. 
I called the bank many times and I asked them to change my overdraft settings so I do not incur fees. Even though they said they changed them I still incur overdraft fees. 

This bank is the biggest thief I ever seen. They delay incoming transfers, wires, XXXX  transactions or ach on purpose. They post the transactions when your account does not have enough money to cover it. They do not post payments on time while you think you already cover the payment because you deposited for this reason. All of the sudden they post a payment. Last example was yesterday. I received XXXX  transaction in order to cover my XXXX  transaction. XXXX arrived first and I made payment through XXXX.They brought out another payment that overdrawn my account and later they processed the XXXX  transaction so they can charge 2 overdraft fees. This happened at least 30 times. I gave them call many times and always they deny what they do. 
If these actions are not corrected, I will gladly sue this bank.

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