vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public XXXX XXXX XXXX Number Dear LexisNexis Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year>2025 To : LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number DearXX/XX/XXXX I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AK

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights 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 2025-02-05 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-05 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: PA

Complaint narrative:
Please See Supporting Documation pertains to Experian Date breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute for removal of inaccurate and unverified information Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act 15 U.S.C. & 1681 and request a thorough investigation into these inaccuracies, as required by federal law. Recently the Consumer Financial Protection Bureau filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing, sham investigations and other unlawful practices. These practices, as outlined by the CFPB, Include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate information and remove from my report the following 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 XXXXXXXX XXXX of {$900.00} Under the FCRA, you are required to conduct and investigation into my dispute also provide me with any documentation you rely on if the disputed information is verified as accurate. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. Furthermore, I request written confirmation of the actions you take in response to this dispute. IF not address I reserve the right to escalate the issues with the CFPB and other appropriate agencies Thank you for looking and correcting this matter I look forward to hearing from you as soon as possible. 


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 2025-02-05 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: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$170.00} Late/Open XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XXXX Balance Owed : {$140.00} Charged off Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$170.00} Late/Open XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XXXX Balance Owed : {$140.00} Charged off Inquiries : 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 non-monetary relief
Consumer complaint received 2025-02-05 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: EQUIFAX, INC.
State: VA

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
I am writing to file a formal complaint against XXXXXXXX XXXX for reporting inaccurate information on my credit reports with Experian, Equifax, and TransUnion. The account in question is associated with XXXXXXXX XXXX account number : XXXX ( Experian and Equifax ) and XXXX ( TransUnion ).

XXXX XXXX has reported that this account was charged off in XX/XX/year> on my Experian and Equifax credit reports, and in XX/XX/year> on my TransUnion credit report. These discrepancies are inaccurate and misleading. 

This situation violates the Fair Credit Reporting Act ( FCRA ) under the following provisions : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy in credit reports.

15 U.S.C. 1681s-2 : Failure to conduct proper investigations of disputes and correct or delete inaccurate information. 

Despite my efforts to resolve this directly with the credit bureaus, the inaccuracies persist. This has caused me significant financial hardship, affecting my ability to secure credit and manage my financial responsibilities. 

I kindly request that the CFPB investigate this matter, ensure XXXX Bank corrects or deletes the inaccurate information, and hold them accountable for failing to comply with FCRA requirements. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: FL

Complaint narrative:
Money taken off of my cash app with out my authorization, double payment taking me to overdraft never getting my money back. When calling not able to reach customer service or reaching someone and being told to contact bank when i already have and the problem was cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: ID

Complaint narrative:
In the month of XXXX, I was interested in purchasing an XXXX I requested Pre-Approval for a unit I was interested in purchasing. I was working with a loan officer from XXXX XXXX, XXXX XXXX. After getting confirmation of a pre-approval, I requested the terms to be sent to me. Without the knowledge or consent, I received a notice that my credit had changed. I figured it wasn't the company pulling my credit because I would have been notified they were doing so. Since I was only requesting pre-approval, I did my due diligence to ensure no " Hard Inquires '' would happen. I received the first hard inquiry on XX/XX/XXXX. 

With purchasing an XXXX, you look at what you're " pre-approved '' for, and you begin shopping. I found two different units and requested information on the difference in loan terms/rates because of the spread in a year, purchase amount, and years on the terms. Once again, and without my consent, a hard inquiry was pulled to confirm this information. I did not consent in written or verbal form. The second hard inquiry was on XX/XX/XXXX. 

For the third time, I requested information for a different unit, after the purchase of the other two happened before we could close. At that time, I found a unit I was planning to purchase, gave the information, and then was notified, " We will pull your credit to get the accurate rates/terms ... '' I responded, with surprise, doesn't that happen when we begin closing and need final approvals? I was then told they had been running my credit and getting final approvals on each of the units I inquired about ( 3 ) at this point. I explained that I didn't realize or was told that they were pulling my credit each time. This was on XX/XX/XXXX. 

Since time, my credit score has decreased by XXXX points. I am requesting these hard inquiries be reverted and the score points replenished, or a note confirming they should be replenished.

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 2025-02-05 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: EQUIFAX, INC.
State: ID

Complaint narrative:
In the month of XXXX, I was interested in purchasing an XXXX. I requested Pre-Approval for a unit I was interested in purchasing. I was working with a loan officer from XXXX XXXX, XXXX XXXX. After getting confirmation of a pre-approval, I requested the terms to be sent to me. Without the knowledge or consent, I received a notice that my credit had changed. I figured it wasn't the company pulling my credit because I would have been notified they were doing so. Since I was only requesting pre-approval, I did my due diligence to ensure no " Hard Inquires '' would happen. I received the first hard inquiry on XX/XX/XXXX. 

With purchasing an XXXX, you look at what you're " pre-approved '' for, and you begin shopping. I found two different units and requested information on the difference in loan terms/rates because of the spread in a year, purchase amount, and years on the terms. Once again, and without my consent, a hard inquiry was pulled to confirm this information. I did not consent in written or verbal form. The second hard inquiry was on XX/XX/XXXX. 

For the third time, I requested information for a different unit, after the purchase of the other two happened before we could close. At that time, I found a unit I was planning to purchase, gave the information, and then was notified, " We will pull your credit to get the accurate rates/terms ... '' I responded, with surprise, doesn't that happen when we begin closing and need final approvals? I was then told they had been running my credit and getting final approvals on each of the units I inquired about ( XXXX ) at this point. I explained that I didn't realize or was told that they were pulling my credit each time. This was on XX/XX/XXXX. 

Since time, my credit score has decreased by XXXX points. I am requesting these hard inquiries be reverted and the score points replenished, or a note confirming they should be replenished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: ID

Complaint narrative:
In the month of XXXX, I was interested in purchasing an XXXX I requested Pre-Approval for a unit I was interested in purchasing. I was working with a loan officer from XXXX XXXX, XXXX XXXX. After getting confirmation of a pre-approval, I requested the terms to be sent to me. Without the knowledge or consent, I received a notice that my credit had changed. I figured it wasn't the company pulling my credit because I would have been notified they were doing so. Since I was only requesting pre-approval, I did my due diligence to ensure no " Hard Inquires '' would happen. I received the first hard inquiry on XX/XX/XXXX. 

With purchasing aXXXX XXXX you look at what you're " pre-approved '' for, and you begin shopping. I found two different units and requested information on the difference in loan terms/rates because of the spread in a year, purchase amount, and years on the terms. Once again, and without my consent, a hard inquiry was pulled to confirm this information. I did not consent in written or verbal form. The second hard inquiry was on XX/XX/XXXX. 

For the third time, I requested information for a different unit, after the purchase of the other two happened before we could close. At that time, I found a unit I was planning to purchase, gave the information, and then was notified, " We will pull your credit to get the accurate rates/terms ... '' I responded, with surprise, doesn't that happen when we begin closing and need final approvals? I was then told they had been running my credit and getting final approvals on each of the units I inquired about ( 3 ) at this point. I explained that I didn't realize or was told that they were pulling my credit each time. This was on XX/XX/XXXX. 

Since time, my credit score has decreased by XXXX points. I am requesting these hard inquiries be reverted and the score points replenished, or a note confirming they should be replenished.

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 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: VELO LAW OFFICE
State: OH

Complaint narrative:
Received in the mail today a big packet of papers from a law office named Velo Law Office, the papers contain a " First Interrogatories, Request for Admissions, Request for Production '' with my cities Clerk of Court letterhead and a " case number '' from the courts also. This packet also included a 63 page " Civil Complaint '' and " Plaintiff initial Disclosures ''. I went to my cities Clerk of Court website and searched for this " case '' with the case number listed on the pages and no such case exists in XXXX XXXX XXXX. This " debt '' is almost 7 years old ; I have not been contacted regarding this debt at all until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief