vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX LexisNexis Consumer Center XXXX. XXXX XXXX XXXX, GA XXXX Subject : Demand for Deletion of Outdated and Inaccurate Information in My LexisNexis File To Whom It May Concern, I am writing to dispute and demand the removal of outdated and inaccurate information from my LexisNexis credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting adverse information that is more than seven ( 7 ) years old, with limited exceptions. 
The following entries on my file are outdated or incorrect and must be removed immediately : Accounts and Dates 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX Please remove it from my credit report. 


15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE  XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX Please remove it from my credit report. 


15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX Please remove it from my credit report. 







These items are beyond the legal reporting period and violate my rights under federal law. Continuing to report them is in direct violation of the FCRA. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court confirmed a consumers right to dispute and have such outdated or inaccurate information corrected or deleted. 
As required under 15 U.S.C. 1681i, I am requesting a prompt reinvestigation. If you can not verify the accuracy and timeliness of these entries, they must be permanently deleted from my file within 30 days. Once your investigation is complete, please send me a written confirmation along with an updated copy of my LexisNexis file.

Failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
The fraudulent inquiries are affecting my ability to obtain credit. Please delete them. I filed an FTC 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 2025-07-22 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: GA

Complaint narrative:
The fraudulent inquiries are affecting my ability to obtain credit. Please delete them. I filed an FTC 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 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDis falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I submitted a detailed written dispute to Equifax pursuant to 15 U.S.C. 1681i, identifying inaccurate tradeline data, obsolete personal information, and unauthorized inquiries. Equifaxs response failed to verify or correct the disputed items, provide supporting documentation, or demonstrate reasonable procedures to ensure maximum accuracy as required by 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: DC

Complaint narrative:
SOURCE RECVB is falsely reporting on my credit. I have never had any accounts with them. Per my research SOURCE RECVB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
Description of the Issue : This complaint concerns multiple unauthorized hard credit inquiries that were placed on my consumer report without my consent or knowledge. I did not initiate any credit applications, financing requests, or give signed permission to the companies listed below.

The following businesses accessed my credit without legal authorization : 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 These businesses performed hard credit pulls which impact my credit score without providing any evidence of a permissible purpose under FCRA 1681b ( a ). I did not sign a credit application, agree to financing terms, or verbally authorize any of these inquiries.

Under federal law : FCRA 1681b ( a ) ( 3 ) requires a clearly defined permissible purpose AND documented consumer consent to access a credit file.

FCRA 1681q makes it a federal offense to obtain a credit report under false pretenses.

FCRA 1681n and 1681o allow for civil liability for both willful and negligent noncompliance, including statutory damages, punitive damages, and attorney fees.

FACTA ( Fair and Accurate Credit Transactions Act ) guarantees my right to accurate and authorized credit reporting.

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 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN HAS REFUSED TO UPDATE PERSONAL INFORMATION REGARDING MY CREDIT FILE, THIS HAS BEEN MY REPEATED XXXX ATTEMPT RECTIFY THIS ERROR FOR THE FOREGOING REASONS, PER XXXX VS. EXPERIAN THE COURT SHOULD HOLD THAT THE FCRAS REINVESTIGATION REQUIREMENT IN 15 USC 1681i APPLIES TO DISPUTES REGARDING NAME, ADDRESS, AND SOCIAL SECURITY NUMBER INFORMATION ; EXPERIANS CONTRARY INTERPRETATION IS NOT FOPUND IN COMPLIANCE, THE DISTRICT COURTS ERRED IN APPLYING THE STANDARD FOR RECKLESSNESS AND THUS WIILFULNESS UNDER THE FCRA TO NEGLIGENCE CLAIMS.

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 2025-07-22 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: NV

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution 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 2025-07-21 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: CL Holdings LLC
State: NC

Complaint narrative:
Sent a request for the Forward Flow Agreement and Chain of Assignment. Never received items from the company. Request sent on XX/XX/XXXX via USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I made a purchase on Apples website using my Apple Card ( issued by Goldman Sachs ) a few months ago. Shortly after receiving the items, I contacted Apple Support and requested that the full purchase amount be converted to an Installments plan. The representative confirmed that the change was processed.

However, months later I noticed that my Apple Card was charged twice : once for the full amount as a one-time charge, and again as an Installments plan. This means I was effectively charged twice for the same purchase.

I contacted Apple Support multiple times ( at least 45 calls over several months ). Each time I was told the issue would be investigated and resolved within 90 days. However, it was never resolved. In one of the calls, a senior Apple advisor joined a three-way call with Goldman Sachs and spent over two hours trying to explain the issue to the bank. The call was disconnected before the matter could be resolved, and I never received any follow-up.

This has resulted in a large double charge on my account. Neither Apple nor Goldman Sachs has taken responsibility or offered a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> XXXX  / Equifax Subject : Request for Removal of Inaccurate Address Information To Whom It XXXX Concern, I am writing to formally dispute and request the removal of an outdated and inaccurate address listed on my credit report. The address in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX This address is no longer associate with me and should not be part of my current credit profile. Please update your records to reflect my correct and current address : XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, GA XXXX For verification purposes, I have enclosed a copy of my government-issued ID and a utility bill ( or bank statement, lease, etc. ) showing my current address. 

Please investigate this matter and update my credit file accordingly. I would appreciate written confirmation once the correction has been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
According to the law 15 USC 1681c-2 it is illegal to report anything on my credit report without my knowledge. Please remove this inaccurate account off of my credit report. Account Number XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-22 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: NC

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Unauthorized or fraudulent withdrawals, and improper use of federal benefit deposits : In XXXX, I became the victim of a scam and immediately notified Wells Fargo after a suspicious transaction was attempted on my account. Instead of protecting my funds, Wells Fargo withdrew my entire current balance of over {$6000.00}, and on top of that, my account was overdrawn by approximately the same amount again resulting in a negative balance of more than {$6000.00}. 

I had informed Wells Fargo in advance that I was expecting a deposit and that no withdrawals were authorized. Despite this, no fraud alerts were issued, no verification was done, and the large withdrawal was allowed to go through in the early hours of the morning. 

I reported the fraud immediately to Wells Fargo Support over by the phone and went to local branch near me and followed up several times. But all came out waste of my time. 

While waiting for the investigation outcome, Wells Fargo began seizing my Social Security XXXX and private insurance benefit deposits, which were around {$3000.00} per month. For two months, they applied those protected federal benefits toward the negative balance caused by the scam, without my consent or any court order. 

In total, Wells Fargo and the fraudster collected over {$12000.00} from my account, much of it from federally protected income, and then the bank closed my account without resolving the matter. 

Wells Fargo gave me only a partial reimbursement of around {$2000.00} broken into several small checks with no full explanation, and later denied my appeal entirely. According to Wells Fargo Insurance Recovery Department the amount is not part of my loose. But didn't specify what it is for and will reach out me back as soon as possible for any update of their investigation, but nothing came after up to this date.

This is a clear violation of : Regula

tion E ( Electronic Fund Transfer Act ), due to failure to properly investigate the unauthorized transaction and protect my account. 42 USC 407, which makes it illegal t
o seize or offset Social Security benefits without court order. 

The Treasury Rule on Benefit Payments, which requires banks to preserve at least two months of SSXXXXI from garnishment or collection. 

I respectfully request a full investigation, the return of my lost and protected funds, and a formal written explanation from Wells Fargo regarding their actions. Their mishandling has left me financially devastated, and I am relying on this complaint for justice and relief. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Immediate Removal of Unauthorized Hard Inquiries No 60-Day Stall Tactic Accepted To Whom It May Concern, This letter serves as a formal demand for the immediate removal of the following unauthorized hard inquiries from my credit report : 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/XXXX Any other inquiries related to unauthorized financing attempts I am disputing these inquiries on the basis that no permissible purpose was granted under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ). I have not authorized these inquiries, nor have I initiated a credit transaction that would justify them. 

Let me be clear : I am not requesting verification I am demanding immediate deletion of these inquiries. 
I do not consent to your 60-day stall tactics or investigation games.

I am prepared to escalate this matter and have legal representation on standby to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), FTC, and possibly litigation for damages resulting from this FCRA violation. 

I demand these inquiries be removed within 10 business days from the date of receipt of this letter. Failure to comply will result in legal action. 

Please send confirmation in writing once the inquiries have been deleted. 

Sincerely,

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 2025-07-21 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:
This is a formal complaint regarding multiple unauthorized hard inquiries that have appeared on my credit report. I did not authorize any of the following companies to access my credit, nor did I apply for credit, financing, or provide any form of written or verbal permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not initiated by me, and I am demanding their immediate removal. The FCRA ( Fair Credit Reporting Act ), Section 604 ( a ) requires a clear, permissible purpose and explicit consumer authorization for any hard inquiry. No such authorization was ever given.

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