vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am filing this complaint against LexisNexis XXXX for furnishing unverified, inaccurate, and incomplete bankruptcy data to XXXX  and XXXX  in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ).

A bankruptcy case ( No. 1601043, U.S. Bankruptcy Court, XXXX XXXX XXXX Illinois ) is being reported by XXXX  and XXXX  as verified through LexisNexis, despite the fact that XXXX  has already permanently deleted the record after determining it could not be verified through lawful means. 

In a CFPB response dated XX/XX/year> ( CFPB Case # XXXX ), LexisNexis admitted that the source of this bankruptcy information was XXXX XXXX XXXX, not certified court records. LexisNexis further acknowledged that it merely distributes bulk data to the credit bureaus without original verification. This practice violates Metro 2 Compliance Sections 1.3 and 2.2, which require verifiable and certified source documentation. 

Because I am an XXXX  Data Breach Impacted consumer and XXXX XXXX Data Breach Impacted, any reliance on aggregated or breached third-party data to verify my information constitutes reckless disregard for data integrity under FCRA 602 ( A ). The bankruptcy record in question contains conflicting filing dates, inconsistent status codes, and unverifiable docket numbers, proving that it can not meet the FCRAs maximum possible accuracy standard.

I have formally disputed this record with all bureaus multiple times and provided LexisNexis
with a cease-and-desist and legal hold notice demanding removal of the unverified record. Despite this, the inaccurate data remains on XXXX  and XXXX  reports, damaging my creditworthiness and violating my consumer protection rights.

I am requesting : Permanent deletion of the bankruptcy record from LexisNexis and all credit bureaus.

Written confirmation of data removal and a corrected consumer file.

Investigation and enforcement action by the CFPB to ensure LexisNexis ceases unlawful bulk reporting of unverified court data.

This ongoing misconduct demonstrates a pattern of willful noncompliance with federal reporting obligations. I request full accountability, corrective action, and monitoring to prevent future harm to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
It doesn't reflect my actual financial principles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NC

Complaint narrative:
I am submitting this complaint to dispute the accuracy of certain accounts and inquiries that have been reported on my credit report. I believe these items are inaccurate, incomplete, or otherwise do not reflect my true credit history. I am requesting that the credit bureaus conduct a thorough investigation and correct these errors under the Fair Credit Reporting Act ( FCRA ) guidelines.

Inquiries XXXX  : Date : XX/XX/XXXX The inquiry from XXXX was made without my authorization. I did not apply for credit or request any services from this entity. Please remove this inquiry from my report. 

XXXX : Date : XX/XX/XXXX This inquiry was made without my consent or knowledge. I am requesting that it be deleted as it is unauthorized. 

XXXX : Date : XX/XX/XXXX I have no record of interacting with XXXX or authorizing any inquiry. Please remove this inquiry. 

XXXX : Date : XX/XX/XXXX Another unauthorized inquiry from XXXX. This does not reflect any recent credit activity I have initiated and should be deleted. 

XXXX XXXX : Date : XX/XX/XXXX ( Duplicate ) A duplicate inquiry from FRST FLITE appears on my report. I did not authorize this, and I am requesting that one of these duplicates be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America allowed a check from " XXXX XXXX XXXX XXXX '' to be deposited from an individual that fraudulently presented the check in the amount of {$4000.00}. This person " washed '' the name and put her name in. Bank of America did not take steps to prevent this, and guard the account holders money. They instead said that it was my responsibly to watch for this, after dragging out this process for months, pretending to be looking into the matter. The Case number in Bank of America was 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 2025-11-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I need to be absolutely clear, this complaint is not made in error. Multiple tradelines on my credit report are not being reported with the maximum possible accuracy and contain unverified or incorrect details. These persistent inaccuracies have continued despite my efforts to correct them and are causing tangible harm to my creditworthiness and daily life. This reporting failure is unacceptable and has created real financial hardship during an already difficult time.

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 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate credit report. I am requesting that these accounts be reviewed, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX  The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included. 

It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 

Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. 
Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: LA

Complaint narrative:
I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : 1. XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have received my credit report and to my surprise, I noticed I have a collection on my credit report I tried to disputed pop back on my credit report accordingly to FCRA XXXX I did not give anyone no permission to put anything on my credit report. Please delete it thank you.

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 2025-11-10 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: OH

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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 2025-11-10 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: TX

Complaint narrative:
I am requesting a reinvestigation of the following items on my TransUnion credit report. If the items can not be fully verified, I request immediate correction or removal. 

CHARGED-OFF ACCOUNTS ( TU ) XXXX  XXXX & XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} INQUIRIES ( XXXX ) XXXX XXXX  XXXX XX/XX/XXXX LATE PAYMENTS ( XXXX XXXX XXXX XXXX  Acct : XXXX This late payment is being disputed as it appears inaccurate or unverified. If not substantiated with complete records, I request 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 2025-11-10 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: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-11-10 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 am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX I submitted a dispute with TransUnion and XXXX  regarding the accuracy of an account reported by XXXX XXXX XXXX. According to the Fair Credit Reporting Act (FCRA), once an account is disputed, the furnisher is required to note the account as "consumer disputes" during the investigation process.XXXXHowever, based on my most recent credit reports from both TransUnion and XXXXXXXX XXXX XXXX XXXX  failed to mark the account as disputed. This is a violation of FCRA guidelinesXXXXAdditionally, the "date updated" for this account is reported as XXXX XXXX XXXXone day before the dispute was submitted. The investigation was completed on XXXX XXXX XXXX This raises serious concerns about the accuracy and legitimacy of the update and the timing of the investigationXXXXOn XXXX XXXX XXXX I sent a certified letter (Certified Mail Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to XXXX  XXXX XXXX formally requesting the following account information:XXXXDate the account was openedXXXXDate of last activityXXXXDate of first delinquencyXXXXPayment historyXXXXAccount statementsXXXXAs of today, I have not received a response. This failure to provide account documentation within the requested XXXX-business-day timeframe is non-compliant with consumer rights under the FCRA.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MD

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - Acct XXXX XXXXXXXX - Closed - XXXX potentially negative months - Balance {$2400.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING XXXX XXXX XXXX XXXXXXXX - Acct XXXX XXXX - XXXX late payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: Experian Information Solutions Inc.
State: LA

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 XXXX  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 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 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 XXXX  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 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