vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
My account was closed without a reason and they didnt not give me my money that was in my account I just got my taxes direct deposited into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am disputing several inaccurate 90-day late payment reported for XX/XX/year> on my XXXXept. of Education/Aidvantage student loan ( account all start with XXXX reporting negative on all credit b ). All previous months show on-time payments or XXXX  ( no data ), so a 90-day late is not possible without prior 30- or 60-day late marks.

This is a violation of FCRA 602 ( A ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require fair and accurate reporting. This negative mark has harmed my credit for years, causing denials, higher costs, and financial/emotional harm. I am requesting that this inaccurate late payment be deleted immediately and my report corrected. I've sent dispute several times and no resolution because no one took the time to truly review this violation.

I have attached a screenshot of the payment history as evidence from one of the many accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis is reporting inaccurate and incomplete information on my consumer file, including incorrect names, addresses, court names, counties, and filing dates. 

I have official documentation from the U.S. Bankruptcy Court ( XXXX XXXX XXXX Texas ) and XXXX.USCourts.gov confirming that the court does not report or furnish data to LexisNexis or any consumer reporting agency. However, LexisNexis claims to have obtained my public record data from the courts and their information does not match official records. 

LexisNexis has violated multiple federal laws, including : 15 U.S.C. 1681e ( b ) Failing to ensure maximum possible accuracy.

15 U.S.C. 1681i Failing to reinvestigate disputed information.

15 U.S.C. 1681b ( 2 ) Reporting data without permissible purpose.

15 U.S.C. 1692 ( a ) Engaging in deceptive and unfair practices. 

Federal Rule of Bankruptcy Procedure 9037 Violating privacy and redaction protections for court data.

Despite repeated disputes and notifications, LexisNexis continues to publish false public record information and inaccurate personal identifiers. Their reckless handling of sensitive data appears willful and systematic, and the Consumer Financial Protection Bureau needs to hold them accountable. 

This misinformation has caused me credit denials, employment screening rejections, and emotional distress. It has also damaged my financial credibility and reputation. 

Companys Response So Far : LexisNexis has ignored my prior disputes and failed to update or delete the inaccurate information. They have not provided any proof of verification or legitimate source documentation. Their so-called investigations appear automated, incomplete, and inconsistent with FCRA standards .

What I Want to Happen : Immediate deletion of all inaccurate and unverifiable names, addresses, and public record information from my consumer file.

Full disclosure of all data sources and furnishers LexisNexis used to report the disputed information. 

Written confirmation of corrections and an updated copy of my complete consumer file. 

Regulatory enforcement action against LexisNexis for repeated FCRA violations and mishandling of consumer data.

Compensation for damages caused by their willful and negligent noncompliance. 

Supporting Details ( Optional Attachment Section ) : Attach copies of : Letter from U.S. Bankruptcy Court confirming they do not report to consumer agencies.

XXXX court records showing correct case details. 

LexisNexis report showing incorrect information. 

Copies of your prior dispute letters and LexisNexis responses ( if any ). 

Certified mail receipts or screenshots of dispute confirmations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: NM

Complaint narrative:
I am submitting this complaint regarding a Westlake Financial account ( ending in XXXX XXXXXXXX ) that was established under misrepresentation during the point of sale. 

I was not clearly or accurately informed of the loans terms, payment obligations, or the fact that it would be reported to credit bureaus. The financing arrangement was presented in a misleading manner by the merchant and/or lender, resulting in an agreement I did not knowingly consent to under the terms now reported. 

I previously disputed this account with XXXX  ; however, the creditor verified it without providing any documentation to substantiate that the loan terms were fully disclosed and properly authorized. The timeline reported ( opened in XX/XX/XXXXXXXX  and charged off in XX/XX/XXXX ) is inconsistent with standard charge-off practices and raises additional concerns about the accuracy of the information being furnished. 

I respectfully request that Westlake Financial be required to provide complete validation of this account, including the original signed agreement and all disclosures provided at the time of sale. If this documentation can not be produced, I request that the account be removed from all consumer credit reports as inaccurately and unfairly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
b'I realized I was using the incorrect bank account to have payment submitted at work. The last two numbers were wrong.XXXXThis was almost XXXX totalXXXX XXXX  I reached out to capital one and explained what happened. This was less than one year since first deposit. There were XXXX XXXXI spoke to XXXX  She checked and told me the account was an active one and it could take up to 45 days to get a response regarding claimXXXXI followed up XXXX. Spoke to XXXX XXXX My employee information couldnt be found as I had provided.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provided employee name and address.\XXXXTold me it was escalated and could take 10-15 days. Confirmed my email address.XXXX XXXX XXXX XXXX XXXX An appeal was filed by XXXX XXXX  after they were deniedXXXX Claim was denied again even though escalatedXXXXThey told me the account didnt exist which was different from what I was told when I called to file a claim initially.\n\nTold me I needed a Need Letter of Indemnity (LOI) and it should be faxed to:XXXXFax numbers:XXXX XXXX XXXX XXXX XXXX XXXX: Called disputes and requested formal denial letter\n\XXXX XXXX XXXXThey will send mail of email to my personal\XXXXThey sent an email with information I couldnt decipher.XXXXI submitted my paystubs via email to: XXXXcapitalone.XXXXXXXXEmailed capital one inquiring if they had reached out to owner of account and request funds be returnedXXXXXXXXEmailed again XXXX and inquired. No response.XXXXSubmitted complaint to OCC.\XXXXChecked today XXXX review in processXXXXI understand this is not the banks fault. I am aware with XXXX  I have to double check, and I thought it did but I the mistake is mine. Im trying to get information to go through the legal process of having the deposited amount returned.XXXXThank you'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
About ten days ago, I decided to apply for XXXX XXXXTD bank store card. After providing my information I was approved for a XXXX credit line. The website provided the temporary card number to shop. I went to their website XXXX and tried to purchase a shower set. The card declined. I called the customer service for TD bank to find out why. A XXXX person answered the phone with the worst attitude that one can imagine. Hatred was coming from her so bad at one point I thought I called XXXXXXXX XXXX XXXX and and told them that all lives matter. She told me weather she could send me a text message to my phone, I nicely answered yes and was waiting for the code. After a few minutes when the code did not arrive I asked her what number she had sent the code to, and she read a number that was not associated with me. I said to her that the number she sent the message to did not pertain to me. I gave her my number and told her send it here, she refused by answering that she could not even though that was number I applied with. She then asked if I had another number in my name I answered yes and gave her my wife 's number. She answered that it was not possible to send there either. I asked what would be the next step, she said that I had to wait for 60 days before the account could be activated and hang up the phone on me. I called second time and another XXXX person answered the phone, I asked her to update my number so the message could come to me, she refused and told me that I would have to wait for a letter and then call them to be able to use the card. I waited for a week and received the letter that said that they needed to verify the activity on the account. I called them and told them that I had received the letter, but she obviously did not care and told me that the account can not be activated. I asked why and she had no answer for me. I said that it is a discrimination, you must provide a reason to me as I have followed your instructions and my card must be activated. She hang up the phone on me. I called again and a XXXX dude answered the phone with very bad attitude and told me to hold, after said you need to ... and continued that the account can not be activated. I insisted on the answers why but he refused to answer, After that I called two three more times and figured that only XXXX people work there and they are speak to you in a way that makes you feel you are nobody and the product is not for my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$43000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
1. On XX/XX/year>, I requested that XXXX XXXXXXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ) sell my position, forward my balance and close the account that had only {$71.00} in the account. 
2. Numerous attempts were made by to contact XXXX to have this occur without success. 
3. Sent the company on XX/XX/year> a LETTER OF INSTRUCTION specifically directing them to comply with my request as detailed in # 1 above. No response was ever received, 4. I continued to email the company ( they do not accept phone contact ) to resolve this matter to no avail.. 
5. On XX/XX/year>, they notified me by email that they closed my account. They did so without refunding my assets and in an arbitrary and without cause basis. 
6. In my opinion this amounts to theft. 
7. XXXX XXXXXXXX has a demonstrated history and a pattern of conduct similar to my experience. 
8. I am requesting herein that the CFPB intercede on my behalf to resolved my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: HW Holding, Inc
State: PA

Complaint narrative:
I am filing a formal complaint against Hunter Warfield for reporting a collection account to XXXX  and XXXX  without providing proper verification or supporting documentation. The account in question, with reference number XXXX, originates from XXXX XXXX XXXX XXXX and reflects a balance of {$4100.00}, reported as opened on XX/XX/year>. I formally disputed this account and, under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, requested a reinvestigation and full verification of the debt. Specifically, I asked for a breakdown of the balance, confirmation of the original creditor details, a copy of the original lease or agreement, payment history, and evidence that Hunter Warfield is legally authorized to collect and report this debt. To date, I have not received adequate documentation or validation, yet the account remains on my credit report. This continued reporting without proper verification is causing harm to my creditworthiness and may represent a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for unlawfully re-inserting previously deleted collection accounts from XXXX XXXX XXXX, and for allowing duplicate and inaccurate reporting by the original creditors XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX, and XXXX XXXX who sold the debts but continue to report active balances. Texas AG report XXXXXXXX XXXX XXXX XXXX XXXX Experian deleted multiple XXXX XXXX XXXX collection accounts following my disputes and investigations. Shortly thereafter, Experian reinserted the same XXXX XXXX XXXX accounts without providing any written notice or proof of certification of accuracy, in direct violation of FCRA 611 ( a ) ( 5 ) ( B ). 

Additionally, the original creditors XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX have continued to report outstanding balances on these same accounts even after selling or transferring them to XXXX XXXX. This results in duplicate reporting of the same debts under different furnishers, which misrepresents my actual obligations and damages my credit standing. 

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not knowingly report inaccurate or misleading information, and under 607 ( b ), Experian must ensure the maximum possible accuracy of the information it maintains. Allowing both the sold accounts and the XXXX duplicates to remain simultaneously violates these provisions and constitutes negligent or willful noncompliance with federal law. 

Evidence Provided : Documentation showing XXXX XXXX XXXX accounts deleted on XXXX XXXX XXXX 

Documentation showing XXXX XXXX XXXX accounts reinserted shortly afterward. 

Reports confirming that XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX continue to report balances despite selling the debts.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-10-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am once again submitting a formal dispute regarding the continued presence of inaccurate billing information on my credit report. Despite my prior requests, I have identified accounts that are still reporting details that do not properly reflect my true payment history. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides me the right to dispute billing inaccuracies and requires a thorough reinvestigation by the reporting furnisher. Please reinvestigate the following accounts : XXXX XXXX XXXX account on my TransUnion, Equifax and Experian credit report. This account is currently reported as having a {$0.00} balance but includes a 30-day late payment in XX/XX/year>. All payments were made on time and in accordance with the terms of the account, meaning the reported late payment is inaccurate and does not reflect my actual account history.

Company response to consumer: Closed with non-monetary relief