vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint and dispute regarding a bankruptcy record that LexisNexis Risk Solutions ( LCI ) has furnished to consumer reporting agencies under my name. I have never filed for bankruptcy in any U.S. Bankruptcy Court.

This false reporting constitutes a serious violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and has caused significant harm to my credit reputation and financial opportunities.

Nature of the Violation As a public record data furnisher, LexisNexis is required to maintain procedures that ensure the maximum possible accuracy of all data provided to consumer reporting agencies. In this case : The bankruptcy record attributed to me is false and unverifiable ; No bankruptcy exists under my name, Social Security number, or personal identifiers ; This incorrect record was furnished to Experian, resulting in serious credit and reputational damage.

These actions constitute violations of the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy ; 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) Failure to conduct a reasonable investigation and delete unverifiable data after receiving notice of dispute ; 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate and correct inaccurate or unverifiable information within the required 30-day period.

Damages and Impact As a direct result of LexisNexiss false bankruptcy reporting, I have : Been denied a home mortgage and other lines of credit ; Suffered damage to my credit score and reputation ; Experienced financial loss and emotional distress stemming from negligent handling of my public record data.

These consequences are actionable under 15 U.S.C. 1681n and 1681o, which allow for statutory and actual damages, attorneys fees, and court costs for willful or negligent noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I have disputed several times now with XXXX XXXXXXXX and Lakeview/mr. Cooper mortgage company showing that I either paid off by settlement and payments have been made and that I am not behind. Ive contacted the creditor and they keep saying they are going to fix it and instead they either mark it as a charge off even though its not anymore or that Im more behind in payments which is also not correct. I keep providing proof and it doesnt change it with goes against the Fair credit Act. I can sue for this because you keep damaging my credit when Ive been trying to clean it up and Im sick of it. Im ready to go to an attorney at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
I opened a checking account with Hancock Whitney on XX/XX/XXXX and funded with an opening deposit of {$25.00}. From the moment the account was opened, I was never able to gain online access to this new account. I then routed my company payroll direct deposit to this new account for paydays of XX/XX/XXXX and XX/XX/XXXX. On both occasions, Hancock Whitney blocked the direct deposit, sending it back to my employer. On XX/XX/XXXX, I called to rectify the situation and was told a manager would call me back. No one ever called back. Then in XXXX, I called again and elevated to a manager. I was surprised to find out that the account had been closed by the bank, and that my {$25.00} had been drawn down by monthly fees and that once the balance had hit zero, the bank had closed my account. I believe this is absolutely wrong and that Hancock Whitney stole my {$25.00}. They blocked my online access from day 1, they returned properly authorized payroll deposits, and on several occasions their management promised callbacks but never actually called back. I did everything I could to resolve the situation, but the bank seemed intent only on closing my account and taking my money. I demand that they return my {$25.00} to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Letter 1 : Cease and Desist LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX XX/XX/year> LVNV Funding LLC P.O. XXXX XXXX XXXX, SC XXXX Re : Cease and Desist Communication / Account No. XXXX Original Creditor : XXXX XXXX XXXX  To Whom It May Concern, I am writing regarding the above-referenced account. I hereby request, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you cease all communication with me immediately regarding this or any other alleged debt you claim I owe. 

This includes, but is not limited to, telephone calls, letters, emails, or any other form of contact. If you believe you have a legal basis to pursue this matter, you may only communicate to notify me of such action. 

Please consider this a formal notice that I will not tolerate further attempts to collect this debt through direct communication. Any further contact outside of what the law allows will be considered harassment and reported to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: U.S. BANCORP
State: NV

Complaint narrative:
I demand that this company delete these accounts on my credit report or I will have no choice but to forward this to my litigation attorney.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I assert that the inaccurate late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

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 2025-11-04 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my previous investigation ( Case XXXX, letter dated XX/XX/year> ) without providing any Method of Verification ( XXXX XXXX or documents ). This violates FCRA 611 and Reg V 1022.43 ( b ) ( 3 ). Please assign a CFPB supervisor and require BoA to provide certified MOV or perform off-cycle deletion of the inaccurate tradeline within 15 days.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Earlier this year, I received a 0 % balance transfer offer directly from Citi, which I accepted in good faith. The transfer was initiated exactly as instructed, from a valid account in my name, for the amount authorized by Citis terms. Within days of completion, my account was unexpectedly flagged for fraud and restricted, despite the transaction meeting all internal and regulatory compliance standards for a legitimate balance transfer. 

As someone who has worked multiple times within financial crime and fraud investigation units, I understand how risk models function and why banks implement them. However, in this case, Citis systems appear to have misclassified a normal, customer-initiated balance transfer one that Citi itself solicited as potential fraud. This constitutes an internal control failure, not customer misconduct. 

This misclassification caused unnecessary disruption, potential credit harm, and the loss of access to a Citi product for which I was in full compliance. No misuse, third-party involvement, or irregular funding occurred.

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 2025-11-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681c-2 and I need them blocked and deleted from my report 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 explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-04 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-11-04 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: NY

Complaint narrative:
I am formally disputing the unlawful reinsertion of a previously deleted and inaccurate account on my consumer credit report. Your actions constitute multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Details of the Disputed Account Account Number : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Details of Personal Information Incorrect Name - XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, MA, XXXX This account was previously deleted following my prior dispute, yet you have reinserted it without providing the legally required notice or proof of certification from the furnisher of information. This reinsertion is both unlawful and damaging to me.

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 2025-11-04 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: NJ

Complaint narrative:
I am sending to follow up on my previous dispute regarding inaccurate reporting on my credit file for the following accounts : XXXX XXXX Balance {$310.00} Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), including Sections XXXX ( b ), XXXX ( a ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) ( XXXX ), and XXXX ( a ) ( XXXX ) ( A ), which require accurate reporting, reinvestigation of disputed information, and prompt correction of errors.

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 2025-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Summary of the problem : A medical collection account reported by Express Recovery Services has appeared on my TransUnion, Equifax, and Experian credit reports, even though I do not owe this debt. The company obtained and used protected medical information and reported it without my authorization. This inaccurate entry is damaging my credit and has already interfered with a pending small-business loan application. 
Details : I have never received a valid bill or any verification from Express Recovery Services. 
I submitted a dispute through XXXX XXXX XXXX but the account remains and no documentation has been provided. 
The alleged debt stems from medical services, yet the collector disclosed private treatment details to an unauthorized individual, violating XXXX privacy rules. 
This inaccurate reporting also violates the Fair Credit Reporting Act ( FCRA ) because no validation or investigation documentation has been supplied. 
The reporting has caused measurable financial harm by reducing my creditworthiness during an active business-loan review. 

Actions by representatives of the company Express Recovery Services : -During the summer of 2025, a random person came to the door and handed me a package to sign without disclosing any details. Now the company says that because I signed and received the package, that I accepted liability for the medical bill. 
-I have called many times and explained that this is not my account. They refuse to listen or give direction or investigate. All they do is say that it is my account and that I owe because they already sued me in court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly 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 non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief