vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I have submitted multiple FTC Identity Theft Affidavit attached reporting 1 account and 1 inquiry appearing on my consumer ChexSystems which I do not recognize as reported and which are the result of identity theft and fraud. This formal complaint challenges the reinvestigation with the help of the CFPB of the disputed item ( s ) Account -XXXX  XXXX XXXX XXXX XXXX Personal Information : -Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  inquiry All the above on my CheXSystems credit report XXXX as permitted under the Fair Credit Reporting Act ( FCRA ), including Sections 623, 611, and 605B ( 15 USC 1681c-2 ) . Therefore, CheXSystems claim of verification through the creditors either was demonstrably false and constitutes either a serious error or a willful misrepresentation. Under the FCRA and related statutes, I am asserting my rights as follows : -15 USC 1681i ( 611 ) Reinvestigation of disputed information -15 USC 1681c-2 ( 605B ) Blocking of information resulting from identity theft -15 USC 1681b ( 2 ) Permissible purposes for accessing consumer reports- 15 USC 1681q Unauthorized disclosures of consumer information -15 USC 1681a ( 4 ) Definition of consumer report - 18 USC 1028A as it was not obtained or verified for a permissible purpose. 

CheXSystems continues reporting of this inaccurate information violates the FCRA and subjects XXXX to potential statutory damages of up to {$1000.00} per violation, including defamation and negligent enablement of fraud. Finally, keep in mind I have been apart of all XXXX Agencies XXXX XXXX XXXX  Class Action Lawsuit, which further highlights the pattern of improper reporting and failure to comply with federal consumer protection laws. I am demanding : - Immediate reinvestigation of the disputed XXXX  XXXX XXXX Account XXXX, Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Inquiry- XXXX XXXX  XXXX XXXX removal of the record from my credit report - Written confirmation of the actions taken Please consider this letter as formal notice that I am maintaining detailed records of all correspondence and actions related to this matter. Failure to comply with the FCRA and remove this fraudulent information promptly will result in further pursuit of my legal 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 2025-08-01 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-01 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: CBC Companies, Inc.
State: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
CFPB Complaint Statement TD Bank I am the legal and rightful owner of the business entity XXXX XXXX, operating as a d/b/a in the State of Florida. I was named a co-payee on an insurance settlement check in the amount of {$35000.00}, issued by XXXX XXXX XXXX XXXX XXXX XXXX. This check was made jointly payable to myself and an individual named XXXX XXXX ( XXXX ). 

Without my knowledge, consent, or endorsement, the proceeds of the check were processed through a checking account that either misrepresented or falsely held out my business name ( XXXX XXXX ). I never signed, authorized, or ratified any indemnity agreement, nor did I relinquish or disclaim my rights as a co-payee. No lawful assignment, endorsement, or delegation of authority was ever granted to XXXX XXXX ( XXXX ) or any third party. 

Nevertheless, TD Bank facilitated the negotiation, redirection, and return of these funds, based solely on a purported indemnity that I did not execute. TD has refused to provide : A copy of the indemnity instrument, Identification of the account holder ( s ), All records of the transaction in which the funds were processed.

This constitutes a prima facie case of : Conversion of funds, Breach of fiduciary duty in handling joint-payee instruments, Negligence in onboarding and due diligence of account holders, And potentially, facilitation of fraudulent conveyance using my business identity without lawful authority.

I demand a full forensic review into : The checking account used to process the indemnity, Whether the account was opened fraudulently or with material misrepresentations, And whether TD Bank failed to adhere to legal standards required under UCC 3-110 and other governing banking compliance frameworks.

I reserve all rights to pursue further legal remedies in both civil and regulatory forums.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account ( XXXX XXXX Acct. ending in XXXX ) was included in my XXXX  XXXX bankruptcy, which was filed and legally discharged in accordance with the U.S. Bankruptcy Code. The account was listed among the debts, and proper notice was given to all creditors, including XXXX XXXX. 

Despite the inclusion in bankruptcy, the credit report shows three derogatory remarks 30 days late in XX/XX/year> and 60 days late in both XXXX and XX/XX/year> even though the account was fully resolved and closed by XX/XX/year>, and the bankruptcy discharge eliminated any legal obligation to repay.

This is a direct violation of FCRA 623 and Bankruptcy Code 11 U.S.C. 524 ( a ), which establishes that once a debt is discharged in bankruptcy : No creditor may continue to report it as delinquent, charged-off, or late beyond the date of filing, The account must reflect a {$0.00} balance, " Included in Bankruptcy, '' and no negative activity post-filing.

Further, the payment summary unfairly penalizes me despite the fact that the bankruptcy court issued a full discharge rendering any further reporting of late or derogatory activity both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: LEXISNEXIS
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Rebuttal of Dispute Resolution Continued Inaccurate Records/ Request for Verification, Opt-Out, and Security Freeze To Whom It XXXX Concern : This letter is in response to your correspondence dated XX/XX/year>, regarding your investigation of the dispute I filed concerning inaccurate information on my LexisNexis Consumer Disclosure Report. 
I appreciate your acknowledgment of my initial dispute. However, I must express my continued objection to the inclusion of the following records in my file, which remain inaccurate and damaging : Disputed Records Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address Record : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX These records are not accurate and must be removed from my file. Please update your records to reflect my correct and current information. Maintaining incorrect personal information can lead to unnecessary confusion and may impact the accuracy of any reports or correspondence. I request that you promptly investigate and correct this matter. 
Request for Verification Under FCRA Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I formally request the following : 1. Source Disclosure : Identify and provide the complete source ( s ) of the data you have retained, including the furnishers who verified the information.

2. Reinvestigation : If you can not provide physical evidence or reliable source verification, the disputed information must be deleted from my file.

3. Written Confirmation : Provide written confirmation of deletion or correction, including a copy of the corrected report.

If you are unable to substantiate any of the records, you are required to delete them under FCRA guidelines.

Request for Security Freeze Please place a security freeze on my LexisNexis Consumer Disclosure Report. This will prohibit the release of my file without my express authorization. I understand this freeze will remain until I request its removal.

Request to Opt Out Additionally, I hereby exercise my right to opt out of all permissible use sharing of my personal information, including all affiliate marketing data, insurance policy data, and data sold to third-party risk-assessment entities.

Notice of Escalation If this matter is not resolved to my satisfaction within 30 days, I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and to pursue all legal remedies available to me. 
Please confirm receipt of this letter in writing and notify me when my requested actions have been completed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: LendKey Technologies, Inc.
State: SC

Complaint narrative:
I've been having trouble paying the loan payments at they're too expensive for me currently. I tried calling them and explaining my situation but they said there was nothing they could do. It's not like I don't want to pay them at all, I'm just having trouble making these current payments and I'm already out of my forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have submitted multiple FTC Identity Theft Affidavit attached reporting 1 account and 1 inquiry appearing on my consumer ChexSystems which I do not recognize as reported and which are the result of identity theft and fraud. This formal complaint challenges the reinvestigation with the help of the CFPB of the disputed item ( s ) Account -Bank of America XXXX XXXX Personal Information : -Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -Truist Bank inquiry All the above on my CheXSystems credit report , as permitted under the Fair Credit Reporting Act ( FCRA ), including Sections 623, 611, and 605B ( 15 USC 1681c-2 ) . Therefore, CheXSystems claim of verification through the creditors either was demonstrably false and constitutes either a serious error or a willful misrepresentation. Under the FCRA and related statutes, I am asserting my rights as follows : -15 USC 1681i ( 611 ) Reinvestigation of disputed information -15 USC 1681c-2 ( 605B ) Blocking of information resulting from identity theft -15 USC 1681b ( 2 ) Permissible purposes for accessing consumer reports- 15 USC 1681q Unauthorized disclosures of consumer information -15 USC 1681a ( 4 ) Definition of consumer report - 18 USC 1028A as it was not obtained or verified for a permissible purpose.

XXXX  continues reporting of this inaccurate information violates the FCRA and subjects XXXX to potential statutory damages of up to {$1000.00} per violation, including defamation and negligent enablement of fraud. Finally, keep in mind I have been apart of all XXXX Agencies XXXX XXXX Experian Class Action Lawsuit, which further highlights the pattern of improper reporting and failure to comply with federal consumer protection laws. I am demanding : - Immediate reinvestigation of the disputed Bank of America Account XXXX, Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX Permanent removal of the record from my credit report - Written confirmation of the actions taken Please consider this letter as formal notice that I am maintaining detailed records of all correspondence and actions related to this matter. Failure to comply with the FCRA and remove this fraudulent information promptly will result in further pursuit of my legal 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 2025-08-01 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: TN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
Let me be absolutely clear : this complaint is legitimate and requires immediate attention. My credit report contains inaccurate information that does not meet the legal standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my financial and personal well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX 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 2025-08-01 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 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 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/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 2025-08-01 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc .

continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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