vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: LEXISNEXIS
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXnDate of Birth: XXXXSSN: XXXXXXXXLexisNexis Risk Solutions\nAttn: Consumer CenterXXXX XXXX XXXX XXXX XXXXSubject: Request for Deletion/Reinvestigation of XXXX  Record\XXXX XXXX XXXXDear LexisNexis Compliance Department,\n\nI am writing to formally dispute the accuracy and legality of the XXXX  record being reported under my personal file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act (FCRA) 15 U.S.C.  1681i and other applicable laws.\n\nThe following item is being reported inaccurately and/or without proper verification:\n\nPublic Record Type: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFiling Date: XXXX XXXX XXXXCase Number: XXXXMy Dispute Basis:\n\nLack of Direct Verification: The FCRA requires that all information in my consumer file be verified with the original source. XXXX  are not reported directly to you by the court; instead, you obtain this data from third-party vendors or through electronic scraping, which is not a verified source.\n\nNo Consumer Reporting Authorization: The U.S. XXXX  Court does not report XXXX  to LexisNexis or any credit reporting agency, nor do they authorize you to collect and disseminate this information.\n\nPotential Violation of FCRA  607(b): You are required to maintain reasonable procedures to assure maximum possible accuracy. Without direct court verification and a documented chain of custody for the information, the accuracy and completeness cannot be guaranteed.\n\nViolation of FCRA  611: If you cannot obtain original source documentation with my signature or court validation proving the completeness and accuracy, you are obligated to delete the record.\n\nMy Demand:\nPursuant to the above laws, I am demanding the following:\n\nA complete reinvestigation of this XXXX  record within 30 days of receipt of this letter.\n\nWritten proof of the method of verification, including the name and contact information of the person or agency who verified the data directly with the court.\n\nIf you cannot provide direct verification from the original source, you must delete this XXXX  record from your system and send me an updated copy of my file reflecting the deletion.\n\nPlease note that failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and my states Attorney General.\n\nAttached is a copy of my drivers license and proof of address for identity verification.\n\nSincerely,XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a call from XXXX claiming to be Wells Fargo and to call XXXX to fix an attempted charge not authorized by Wells Fargo from XXXX XXXX to get the charge authorized and completed. The amount of the supposed charge was {$220.00}. I don't have a Wells Fargo account and have not been shopping at XXXX XXXX recently. My phone said incoming call was " maybe Wells Fargo ''.

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 2025-08-18 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: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I am disputing the accuracy and responsibility for an AAFES XXXX XXXX XXXX account ( ending in XXXX XXXX XXXX XXXX XXXX XXXX reported on my credit file. 

I never had possession of this card, never used it, and never authorized its use. My ex-wife obtained the card without my knowledge, set up paperless statements to an email account I did not have access to, and made charges on the account. I was unaware of the account status until reviewing my credit report, where I discovered over XXXX years of late payments being reported. 

I am a XXXX XXXX  with a 100 % permanent and total service-connected XXXX. Since separation from the XXXX, I have faced severe financial hardship, and my recent divorce ( XX/XX/year> ) has placed additional strain on my finances. I am now obligated to pay {$2100.00} in monthly alimony, while living on limited income. 

I contacted AAFES requesting hardship consideration, but I also want the CFPB to investigate because I never used or benefited from this account. The late payments are inaccurate, unfair, and damaging my credit. They are also preventing me from qualifying for a XXXX XXXX  loan.

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 2025-08-17 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: IL

Complaint narrative:
Credit Bureau & CFPB Investigation Request XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XX/XX/year> To : [ Experian / Equifax XXXX TransUnion ] & Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Demand for Investigation and Verification of Disputed Account FCRA 609, 611, 623 and FDCPA 809 Re : XXXX XXXX XXXX Account # [ XXXX ] Balance {$8400.00} Also go by Computer check verification Dear [ Experian / Equifax XXXX TransUnion CFPB Investigator ], I am formally requesting an escalated reinvestigation into the above-referenced account, which continues to appear on my credit report despite my previous disputes. This account does not belong to me. I have never opened, authorized, or signed any agreement with XXXX XXXX XXXX, and no valid evidence has been provided to establish otherwise. 

Background : - I disputed this account with all three credit bureaus. 
- Each bureau responded that the account was verified without providing any actual documentation. 
- I have also filed a CFPB complaint previously, but the furnishers verification did not include proof of my liability. 
This failure to provide proper verification is a direct violation of : - FCRA 611 ( a ) ( 1 ) ( A ) requiring a reasonable reinvestigation.

- FCRA 611 ( a ) ( 7 ) requiring disclosure of the method of verification.

- FCRA 623 ( b ) requiring furnishers to investigate disputes and delete unverifiable information.

- FDCPA 809 ( b ) requiring debt collectors to provide validation of the debt upon request.

My Demand : I am requesting full documentation that proves this account is mine, specifically : 1. A copy of the original signed contract or agreement bearing my signature.

2. Documentation showing the chain of ownership of the debt from the original creditor to the current furnisher.

3. A complete account history showing how the alleged balance of {$8400.00} was calculated.

4. The name, phone number, and mailing address of the person you contacted at XXXX XXXX XXXX during your verification process. 

If you can not provide this evidence within 30 days, you are required under federal law to delete this account from my credit file and confirm the deletion in writing. 

Notice of Intent to Pursue Legal Remedies : If this matter is not resolved promptly, I will : - File formal complaints with my State Attorney Generals Office and the Federal Trade Commission ( FTC ). 
- Retain a consumer rights attorney to pursue all remedies available under the FCRA and FDCPA, including statutory damages, attorney fees, and costs. 

This is my final attempt to resolve this matter amicably. Please treat this as a formal dispute and method of verification request under federal law. 

Sincerely, 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 2025-08-17 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: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, not later than 4 business days after th receipt.

+ Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 

You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of notice. 

I LOOK FORWARD TO YOUR RESPONSE.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX and the credit bureaus ( Experian, Equifax, and TransUnion ) for reporting an inaccurate late payment on my XXXX account ( Account # XXXX ). 

This account is open, current, and paid as agreed. The reported late payment is false and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681, 1681i, 1681s-2, 1681g ), credit reporting agencies and furnishers must maintain maximum accuracy, investigate disputes, and remove unverifiable information. Additionally, the Fair Credit Billing Act ( 15 U.S.C. 1666b ) requires that payments be credited as of the date received. Since my account is current, this reporting is both inaccurate and unlawful.

I am requesting that the CFPB require XXXX  XXXX  and the credit bureaus to : 1. Conduct a full investigation.

2. Remove the inaccurate late payment from all of my credit reports. 
XXXX. Provide me written confirmation of the correction.

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 2025-08-17 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: CA

Complaint narrative:
* On XX/XX/year>, I filed a police report regarding identity theft. Around the same time, I also submitted an Identity Theft Report through XXXX ( FTC ) confirming the unauthorized nature of these charges. 
* My bank previously investigated the same fraudulent activity and sided with me, confirming these charges were unauthorized. 
* Despite this, when I later attempted to make an authorized purchase using XXXX, they reattached the fraudulent loan balance back onto my account. 
* I submitted an initial dispute directly to XXXX, including : * The police report ( XX/XX/year> ) * The FTC Identity Theft Report * Supporting identity documents * An explanatory letter * I also filed a report through XXXX  online dispute portal. 

XXXX  Response * Despite my submission of clear proof of identity theft, XXXX has repeatedly responded via email claiming that I am responsible for these unauthorized transactions. 
* Their justification is based on IP address and phone number usage, but as I noted in my police report, another individual living in my household at the time had access to those devices and accounts a fact XXXX has ignored. 
* They have not completed a good faith or reasonable reinvestigation, as required by law, and continue to attempt to hold me liable for charges I did not authorize. 

Violations of Federal Law Affirms  handling of my dispute violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : * FCRA, 15 U.S.C. 1681i ( a ) : Requires credit reporting agencies ( and furnishers ) to conduct a reasonable reinvestigation of disputed information within 30 days ( 45 days with additional information ).

* FCRA, 15 U.S.C. 1681c-2 : Requires blocking of information resulting from identity theft within 4 business days of receiving proof such as a police report or FTC affidavit XXXX 
* FCRA, 15 U.S.C. 1681s-2 ( b ) : Obligates furnishers ( like XXXX ) to properly investigate disputes forwarded by a credit bureau and to correct inaccurate information.

* FDCPA, 15 U.S.C. 1692e ( 8 ) : Prohibits communication of false credit information, including failure to communicate that a debt is disputed.

* FDCPA, 15 U.S.C. 1692g ( b ) : Requires debt collectors to cease collection until verification is provided when a debt is disputed in writing. 
XXXX has disregarded these obligations by : 1. Ignoring my identity theft documentation ( police report and FTC affidavit ).

2. Continuing to report or attempt collection of the disputed charges.

3. Reattaching fraudulent charges to my account even after a prior investigation ( by my bank ) resolved them in my favor.

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 2025-08-17 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:
I contacted the bureaus and asked them to remove fraudulent information.There was an account with XXXX that I did not open. 
Transunion removed it then subsequently reinserted it under a collection company which they have no legal grounds to collect especially an account opened fraudulently. 
Equifax deleted it then reinserted the same account they are violating my rights and laws XXXX Grounds for Dispute : * * XXXX XXXX. XXXX * * You XXXX not furnish or maintain data on a consumer report without a * * permissible purpose * *. I demand proof of such purpose. 
* If an identity thiefs inquiry or account was not initiated by me, it has been obtained without a permissible purpose, making it unauthorized and not accurate in compliance with XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) * * The furnisher of this data is obligated to conduct a reasonable investigation upon notice of a dispute and must * * delete * * any data that can not be verified as 100 % accurate. 

* * XXXX XXXX. XXXX * * You are required to complete an investigation within * * XXXX  days * * of receiving this dispute. If the data can not be verified, you must * * delete it immediately * *. 

* * XXXX XXXX. XXXX Blocking Information Resulting from Identity Theft Once I provide : * Proof of identity * A copy of an Identity Theft Report ( from the FTC or police ) * A written statement specifying the accounts in dispute The CRA must XXXX the information within XXXX business days and stop reporting it to XXXX  XXXX. 

* * XXXX XXXX. XXXX ( a ) ( XXXX ) Duties of Furnishers Regarding Identity Theft * Creditors ( furnishers of information ) can not report information if they know or have reasonable cause to believe it results from identity theft. 
* Once I send ID theft report, you must stop furnishing that information to CRAs. 
Also in accordance with XXXX XXXX. XXXX ( b ) * The CRA is legally obligated to ensure the accuracy of your credit file. 
* Reporting fraudulent accounts is a failure of reasonable procedures. 
* I have provided proof of identity theft ( FTC report ) * By law, they must delete this data promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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:
I contacted the bureaus and asked them to remove fraudulent information.There was an account with XXXX that I did not open. 
Transunion removed it then subsequently reinserted it under a collection company which they have no legal grounds to collect especially an account opened fraudulently. 
Equifax deleted it then reinserted the same account they are violating my rights and laws XXXX Grounds for Dispute : * * XXXX XXXX. XXXX * * You XXXX not furnish or maintain data on a consumer report without a * * permissible purpose * *. I demand proof of such purpose. 
* If an identity thiefs inquiry or account was not initiated by me, it has been obtained without a permissible purpose, making it unauthorized and not accurate in compliance with XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) * * The furnisher of this data is obligated to conduct a reasonable investigation upon notice of a dispute and must * * delete * * any data that can not be verified as 100 % accurate. 

* * XXXX XXXX. XXXX * * You are required to complete an investigation within * * XXXX  days * * of receiving this dispute. If the data can not be verified, you must * * delete it immediately * *. 

* * XXXX XXXX. XXXX Blocking Information Resulting from Identity Theft Once I provide : * Proof of identity * A copy of an Identity Theft Report ( from the FTC or police ) * A written statement specifying the accounts in dispute The CRA must XXXX the information within XXXX business days and stop reporting it to XXXX  XXXX. 

* * XXXX XXXX. XXXX ( a ) ( XXXX ) Duties of Furnishers Regarding Identity Theft * Creditors ( furnishers of information ) can not report information if they know or have reasonable cause to believe it results from identity theft. 
* Once I send ID theft report, you must stop furnishing that information to CRAs. 
Also in accordance with XXXX XXXX. XXXX ( b ) * The CRA is legally obligated to ensure the accuracy of your credit file. 
* Reporting fraudulent accounts is a failure of reasonable procedures. 
* I have provided proof of identity theft ( FTC report ) * By law, they must delete this data promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
I am filing this complaint due to repeated FCRA violations by Experian, TransUnion, and Equifax. Despite sending certified disputes ( with proof of identity and utility bills ), these agencies continue to report false addresses, mismatched debts, and inflated totals that harm my creditworthiness and scores. 

A. False / Mixed Addresses TransUnion & Experian are reporting false addresses : XXXX XXXX XXXX, XXXX XXXX, GA an XXXX  I never lived in. 

XXXX ( XXXX XXXX ) a business address, not a residence. 

My true address is XXXX XXXX XXXX, XXXX, GA, supported by my government ID and utility bill. 

Experian deleted only one address but left others intact. TransUnion has taken no corrective action. 



This is a violation of 15 U.S.C. 1681i ( failure to reasonably reinvestigate ) and 1681e ( b ) ( failure to maintain accuracy ). 

XXXX Miscalculated Debt Totals Auto Loans ( correct total = {$180000.00} ) : XXXX XXXX {$37000.00} XXXX XXXX XXXX {$38000.00} XXXX XXXX {$18000.00} XXXX XXXX XXXX {$43000.00} XXXX XXXX  {$43000.00} Total = {$180000.00} Experian, however, reports {$180000.00} overall debt, which overstates my obligations by ~ {$6300.00}. 



This shows inaccurate balance reporting and mixed file handling. 

C. Inflated Total Debt & Scoring Harm The extra ~ {$6300.00} falsely inflates my overall debt load. 

This directly impacts my credit utilization and risk factors, leading to lower credit scores compared to TransUnion and Equifax. 

Different bureaus are showing different total debts and scores despite the same disputes and same documentation. 



This constitutes ongoing violations of : 15 U.S.C. 1681i ( a ) ( 5 ) duty to delete unverifiable info. 

15 U.S.C. 1681e ( b ) duty to assure maximum possible accuracy. 

XXXX Equifax Account Access Restriction Equifax has blocked me out of my online account, preventing me from reviewing or correcting my report. 

This obstruction makes it impossible to monitor disputes, further harming my rights under the FCRA. 

Harm Caused I am unable to obtain credit or financing due to inflated and false reporting. 

Wasted time, stress, and financial losses have resulted from these agencies negligence. 

My credit profile, reputation, and livelihood have been damaged. 

Supporting Evidence I will provide : Certified mail receipts ( XX/XX/year> and XX/XX/year> ). 

Experians partial deletion letter. 

Screenshots of incorrect addresses. 

Screenshots of debt totals ( {$180000.00} vs. {$180000.00} ). 

Utility bill & government ID ( current address proof ).

Company response to consumer: Closed with non-monetary relief