vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am filing this complaint against LexisNexis Risk Solutions for failing to provide a fair and reasonable reinvestigation of inaccurate consumer information, as required under the Fair Credit Reporting Act ( FCRA 611 ).

I submitted a formal dispute letter with an affidavit to challenge multiple inaccurate and duplicate records in my LexisNexis Consumer Disclosure Report. Despite following their listed procedures, my dispute packet was returned to me, without explanation or proper acknowledgment. The return of my dispute materials prevented me from exercising my consumer rights to request a reinvestigation.

Additionally, the LexisNexis website makes it extremely difficult to submit disputes electronically. Their portal redirects to multiple request pages that do not include an option to dispute inaccurate records or upload supporting documents, forcing consumers into a confusing process that obstructs compliance with FCRA timelines.

I believe LexisNexis is deliberately making the dispute process inaccessible and failing to maintain reasonable procedures to assure the maximum possible accuracy of consumer data under FCRA 607 ( b ). I am requesting CFPB oversight to ensure my dispute is accepted, investigated within 30 days, and that LexisNexis corrects or deletes all unverifiable or duplicate records in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I wired {$78000.00} XXXX  from my XXXX XXXX  Account to JP Morgan Chase Bank account listed as below : Account Number : XXXX ( Scammer 's account ) XXXX XXXX  Number : XXXX  This is a fraudulent / scam JP Morgan Chase Bank, at the same day ( XX/XX/year> ), I reported fraud for this wire transfer to XXXX XXXX  and also request for recall for this wire. I reported to FBI XXXX and local police department XXXX. 

I followed up day by day to XXXX XXXX, and XXXX XXXX  wire department told me JP Morgan Chase Bank does not give us status updates ( Is this XXXX USD frozen? Does the recall in the progress? ), so I fill this CFPB compliant and hope I can get my XXXX XXXX  bank to my XXXX XXXX account, please help this is very urgent to me and my family thanks for your support!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I have a loan with OneMainFinancials and they used my XXXX  XXXX XXXX as collateral. A few months ago they force placed a CPI insurance and last month my car got damaged by loosing the tire after hitting an object on the road. I filed a claim with the CPI insurance the lender put in place and the insurance approved it and sent a check to the lender to fix the car based on the quote from the repair shop. The lender is refusing to repair their collateral, which is the car and are wanting to put it torts the loan amount. This puts me in a position where I am not able to fix the car ( {$5200.00} damage ). This seems not right since I pay up for the CPI and the insurance did not total the car but send funds to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Goal Structured Solutions, LLC
State: NY

Complaint narrative:
My loan is currently subject to an active CFPB complaint against the school ( XXXX ). As part of that complaint, XXXX XXXX has formally confirmed that a full refund has been initiated, the account will be brought to a {$0.00} balance, and that the loan servicer ( Launch Servicing ) was instructed to bring the account current and suspend any collection activity.

Despite this, I continue to receive overdue and delinquency notices from Launch Servicing.

These notices directly contradict the companys formal CFPB response and place improper pressure on me while a refund and dispute are in progress.

I am concerned that Launch Servicing has failed to update the account status internally, has not honored the dispute/refund status, and continues automated collection activity during an active investigation.

I am requesting CFPB assistance to ensure Launch Servicing immediately reflects the refund/dispute status, ceases all collection communications, and confirms that no negative credit reporting is occurring or will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RAS LaVrar, LLC
State: SC

Complaint narrative:
This is a new complaint because I discovered new issues with XXXX and their law firm RAS Lavrar that were not addressed in my prior filing. 

This account was in an active fraud dispute in XX/XX/year>. XXXX report shows XXXX refused the fraud block and said they could not reach me because the phone number on the account was not mine. This confirms the account was under fraud review and XXXX had incorrect contact information. 

Despite this, XXXX continued negative reporting and charged off the account during the fraud dispute. They then assigned the account to RAS Lavrar while it was still unresolved. 

RAS Lavrar never sent me any notice of placement or XXXX day letter. I never received any mailed notice, and they have provided no proof that anything was ever sent. They then filed a civil action without validating the account and without acknowledging the prior fraud dispute. 

To admit this, RAS Lavrar would be admitting that they were illegally pursuing a debt that was under dispute and re-investigation by the consumer. XXXX XXXX, did not perform a re-investigation and sold this account in XXXX of XXXX  without ever responding to my dispute. 

In XX/XX/year>, XXXX XXXX claimed XXXX deemed the fraud claim invalid, but they provided no investigation file or supporting documentsno contract, no application, no identity verification, and no device or authentication data. 

Both parties continue attempting to collect even though I provided an FTC Identity Theft Report, a police report, and multiple disputes. No full validation or investigation results have been provided. 

I am requesting CFPB assistance to : Obtain the full fraud investigation file Obtain proper validation Correct inaccurate reporting Stop collection activity Remove the account if identity can not be verified Ensure no further adverse actions or reassignment occur This is a new complaint based on new information, including the charge off during fraud review, lack of notice, the wrong phone number on file, and new actions taken by RAS Lavrar.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLIANT CREDIT UNION
State: IA

Complaint narrative:
I am having an issue opening up a checking and savings account with Alliant Credit Union online. I had an account with Alliant Credit Union I opened back in XX/XX/year> but the account was closed due to Alliant Credit Union not receiving a deposit to open up my checking and savings account. I am now having an issue being able to open up another checking and savings account with Alliant Credit Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: OM Financial, LLC
State: WA

Complaint narrative:
I was approved for a loan from Patria Lending, but I never received the funds. Their system auto-filled an old XXXX XXXX  account that has been closed and charged-off for years. I did not enter this account information. I replaced it with my active debit card before signing the contract. Their contract says I can choose debit card disbursement, and I selected that option. 

On XX/XX/year> at approximately XXXXXXXX XXXX ( PST ), I checked my bank and saw the loan funds were not there. I immediately called Patria and was told they sent the loan to the old XXXX account. They said my debit card did not match so the system automatically sent the money to the bank account but this rule does not appear anywhere in the contract, and I never approved this. 

I told them I never entered that XXXX account and that their system auto-filled it. After the call, I checked my Patria online portal and saw my debit card had been XXXX by them and the XXXX account was still listed. I did not add it, and I can not remove it. 

Patria told me that if the account was closed, the deposit should fail, but when I contacted XXXX, they told me the lender must request a reversal. Patria refused to request a reversal. 

Even though they knew I never received the loan, Patria began sending me past-due emails starting on XX/XX/year> and calling me starting on XX/XX/year>. On XX/XX/year>, I told them to stop calling me, but they continued calling and emailing. 

They are now reporting the loan as open and past due on alternative credit and lending databases ( XXXX  or similar ), which prevents me from obtaining any other loans. Every lender sees this false past-due status and denies me. Patria also continues mailing me pre-approved offers, but their website redirects me to a delinquency notice when I enter the code.

I have extensive documentation including emails, time-stamped screenshots, the contract, call logs, and proof showing : the XXXX account was system-generated, not entered by me I notified them within hours I never received the loan they refused to reverse their error they XXXX my debit card and locked the incorrect account they continue collection attempts despite knowing the funds never reached me I am requesting : XXXX. Immediate correction of the false loan status XXXX. Removal of the past-due entry from internal lender databases XXXX XXXX A full reversal of any debt they claim I owe XXXX. An investigation into their unauthorized disbursement practices XXXX. A refund/return of the loan funds since I never received them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I received a letter from the collection agency stating that I owed a debt to them. I sent a letter to the collection agency on XX/XX/year>, asking them for proof that I owe the collection agency the debt. I received a letter from the collection agency dated XX/XX/year>, stating that they have verified the debt. The collection company sent me a copy of a credit card statement. The credit card statement is not the original signed contract with said collection agency stating that I am obligated to pay the collection agency instead of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MI

Complaint narrative:
I am disputing several medical collections that are being reported by XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts are inaccurate and incomplete, and they contain protected medical information that should not be on my credit report without proper validation.

The collection agencies have not provided an itemized bill, proof of insurance billing or adjustments, signed HIPAA authorization, provider name, date of service, diagnosis/CPT codes , or proof that I was notified before these debts were reported. I requested this information and it was not provided.

Because the debts can not be validated and the required medical documentation has not been supplied, these accounts violate FCRA 602, 607 and HIPAA privacy requirements. Unverifiable medical debts must be removed.

I am requesting deletion of the following accounts from all credit bureaus : XXXX XXXX XXXX {$1300.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX {$1300.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX {$150.00} ( Opened XX/XX/XXXX ) Please investigate and remove these accounts 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 explanation
Consumer complaint received 2025-12-04 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: MI

Complaint narrative:
I am disputing several medical collections that are being reported by XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts are inaccurate and incomplete, and they contain protected medical information that should not be on my credit report without proper validation.

The collection agencies have not provided an itemized bill, proof of insurance billing or adjustments, signed HIPAA authorization, provider name, date of service, diagnosis/CPT codes , or proof that I was notified before these debts were reported. I requested this information and it was not provided.

Because the debts can not be validated and the required medical documentation has not been supplied, these accounts violate FCRA 602, 607 and HIPAA privacy requirements. Unverifiable medical debts must be removed.

I am requesting deletion of the following accounts from all credit bureaus : XXXX XXXX XXXX {$1300.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX {$1300.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX {$150.00} ( Opened XX/XX/XXXX ) Please investigate and remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UBS BANK USA
State: CA

Complaint narrative:
I am filing this complaint against UBS Bank USA, XXXX and XXXX for knowingly reporting and maintaining false late payment information on my mortgage account ( Account No. XXXX ). My credit reports are showing inaccurate 30-, 60-, 90-, and 120-day late payments for XXXX, even though the account is simultaneously listed as Current/As Agreed, In Good Standing, and with {$0.00} past due. These contradictory entries are the result of clear reporting errors, and neither UBS Bank USA nor Experian and TransUnion has provided any proof, documentation, or verification despite multiple disputes. This violates FCRA 1681i ( failure to reasonably investigate ) and 1681s-2 ( a ) ( furnishing information known to be inaccurate ). The furnishers and bureau are knowingly harming my credit profile through negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV, XXXX DOB XXXX SSN XXXX XXXX XXXX  I am disputing the accuracy of the authorized user account from XXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX 

I am requesting removal under FCRA 602 and 611.

The furnisher can not verify my authorized user relationship, nor can they provide documentation showing I was validly added as an XXXX. 

Because the account is unverifiable and I am not the primary account holder, please delete this item from my TransUnion credit file. *

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 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS 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 2025-12-04 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: KY

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXX XXXX * * Balance Owed : {$110.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX * * Balance Owed : {$210.00} XXXX XXXX XXXXXXXX * * Balance Owed : {$100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  Original Creditor AT XXXX XXXX XXXX XXXX  Balance Owed : {$7200.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXX  XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX, OH XXXX XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year> Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.

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 2025-12-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : XXXX XXXXnot reported in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXXXXXXnot reported in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : XXXX XXXXnot reported in XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief