vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: LEXISNEXIS
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX  LexisNexis Risk Solutions Attn : Consumer Center XXXX XXXX XXXX XXXX, GA XXXX RE : Bankruptcy Dispute Request for Deletion or Correction To Whom It May Concern, I am writing to dispute the accuracy and completeness of a bankruptcy record being reported in my LexisNexis file. After reviewing my consumer disclosure, I found that the bankruptcy information listed is either inaccurate, outdated, or being reported in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the disputed bankruptcy : Case Type : XXXX  XXXX Bankruptcy Case Number : XXXX Filing Date : XX/XX/XXXXXXXX  Court : Us Bankruptcy court All so included in bankruptcy Accounts 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Under 15 U.S.C. 1681i, LexisNexis is required to conduct a reasonable reinvestigation of any disputed information in my file and either verify, correct, or delete the disputed record. Additionally, under 15 U.S.C. 1681e ( b ), LexisNexis must follow reasonable procedures to ensure maximum possible accuracy in its reporting.

If you are unable to verify this bankruptcy directly with the original source ( the court ), or if the record is outdated under 15 U.S.C. 1681c ( a ) ( older than the allowable reporting period ), you are required to delete it from my file immediately.

Please provide me with : The source of this bankruptcy information and the name and address of the furnisher who provided it. 


The Method of Verification you used to confirm its accuracy.

Written confirmation of any corrections or deletions you make to my file. 


This letter is being sent via certified mail to protect my rights. As required by law, please complete this reinvestigation and respond to me in writing within 30 days of receipt. 
Thank you for your prompt attention to this matter. 









2. Demand for Removal of Inaccurate and Unverified Repossession Record Failure to Verify Accuracy 15 U.S.C. 1681i As required by 15 U.S.C. 1681i, I demand a Method of Verification ( MOV ) proving that this repossession was properly reported, verified, and investigated. If you can not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
I kindly request your assistance in initiating an investigation into these accounts, as they are being inaccurately reported on my credit file. In accordance with USC 1681g, I am formally requesting their removal within 15 days. All supporting documents have been included for your review. Furthermore, the information being reported is inconsistent and differs across the major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Ive requested TD Bank to close my account on XX/XX/year> and the account is still open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

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 2025-07-26 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: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to 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 2025-07-26 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: GA

Complaint narrative:
Dear CFPB, I am filing this complaint regarding the unlawful reinsertion of a previously deleted or resolved credit account reported by XXXX XXXX. This account was reinserted on my credit reports with Experian, XXXX, and XXXX  without proper verification or notice, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts previously deleted information, they must : 1. Obtain certification of accuracy from the furnisher before reinsertion, and 2. Provide the consumer with written notice of reinsertion within 5 business days.

In my case : This account was previously deleted or resolved, yet it was reinserted. 

I received no written notice of reinsertion. 

The credit bureaus failed to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ).

XXXX XXXX is furnishing information that is inaccurate or unverifiable, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 


I have already disputed this account with all three bureaus and demanded deletion unless proper verification is provided. They have failed to comply with their legal obligations. 

I am requesting that the CFPB investigate this matter and require : The immediate permanent deletion of the XXXX XXXX account from all of my credit reports, and Enforcement of my rights under the FCRA, including potential penalties for noncompliance. 

My most recent credit reports showing the improper reinsertion I respectfully request your assistance in resolving this matter and ensuring compliance with federal law. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX Last XXXX : XXXX DOB : XX/XX/year>

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear CFPB, I am filing this complaint regarding the unlawful reinsertion of a previously deleted or resolved credit account reported by XXXX XXXX. This account was reinserted on my credit reports with XXXX, Equifax, and XXXX  without proper verification or notice, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts previously deleted information, they must : 1. Obtain certification of accuracy from the furnisher before reinsertion, and 2. Provide the consumer with written notice of reinsertion within 5 business days.

In my case : This account was previously deleted or resolved, yet it was reinserted. 

I received no written notice of reinsertion. 

The credit bureaus failed to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ).

XXXX XXXX is furnishing information that is inaccurate or unverifiable, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 


I have already disputed this account with all three bureaus and demanded deletion unless proper verification is provided. They have failed to comply with their legal obligations. 

I am requesting that the CFPB investigate this matter and require : The immediate permanent deletion of the XXXX XXXX account from all of my credit reports, and Enforcement of my rights under the FCRA, including potential penalties for noncompliance. 

My most recent credit reports showing the improper reinsertion I respectfully request your assistance in resolving this matter and ensuring compliance with federal law. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NC

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with XXXX5 U.S.C. 1681b and 15 U.S.C.1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

15 U.S.C. 1681e ( b ) failure to ensure maximum accuracy, 15 U.S.C. 1681b lack of permissible purpose to report, 15 U.S.C. 1681i ( a ) duty to reinvestigate disputed information, and relevant case law, notably XXXX v. TransUnion, XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please address this matter promptly and confirm the removal of the disputed entries.

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 2025-07-26 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: NC

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with XXXX5 U.S.C. 1681b and 15 U.S.C.1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

15 U.S.C. 1681e ( b ) failure to ensure maximum accuracy, 15 U.S.C. 1681b lack of permissible purpose to report, 15 U.S.C. 1681i ( a ) duty to reinvestigate disputed information, and relevant case law, notably XXXX v. TransUnion, XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please address this matter promptly and confirm the removal of the disputed entries.

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 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to formally request your assistance regarding an inaccurate entry on my credit report. According to my records, I have already paid the debt associated with [ Creditors Name or Account Number ], and the account status has been marked as " Paid '' and " Closed. '' However, I have noticed that this account is still listed as an active collection, which negatively impacts my credit score.

I respectfully request that the CFPB investigate this matter and communicate with the credit bureaus to have this incorrect and outdated information deleted from my credit report. Attached are copies of relevant documentation, including proof of payment and account closure, to support my claim. 

Please confirm receipt of this request and inform me of any further steps required. I appreciate your prompt attention to this matter and your assistance in ensuring my credit report accurately reflects my payment history. 
Thank you for your support.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/year>, I reviewed my TransUnion credit report and found a credit card account reported by XXXX ( account ending in XXXX ) with a charge-off status and a past due balance of {$760.00}. The account is marked as Charged off as bad debt / Profit and loss write-off. 

I am disputing this account because : I do not recall authorizing or opening this account and have not received any signed agreement or original documentation from the creditor or TransUnion. 
The reporting is incomplete and potentially inaccurate : No monthly payment field is present Credit limit is not disclosed Theres no documented repayment structure This account is also marked as a charge-off despite the lack of supporting verification, and is negatively impacting my credit profile. This violates the Fair Credit Reporting Act : FCRA 602 ( A ) requires maximum accuracy FCRA 611 gives me the right to request reinvestigation FCRA 623 requires the furnisher to report complete and accurate information

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 2025-07-26 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: PA

Complaint narrative:
I settled this XXXX account for less than the full balance, and it was reported as Paid in Settlement. However, Experian continues to report inaccurate derogatory data, including a charge-off and late payments, even after multiple disputes. Under the FCRA ( Fair Credit Reporting Act ) 602 ( B ), all information must be accurate, verifiable, and not misleading. I requested proof of how they verified the data, but no investigation results were provided. Im requesting full deletion of this tradeline due to unverifiable or obsolete reporting and failure to properly investigate.

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 2025-07-26 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 have received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. The remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: NC

Complaint narrative:
I have received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. The remarks have been detrimental to my life and credit health.

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: WA

Complaint narrative:
On XX/XX/XXXX I opened a Netspend debit account after seeing on their site they were offering {$200.00} for opening an account and doing a direct deposit of {$400.00} or more within 60 days and activate the card that comes with it. I've completed this on XX/XX/XXXX. According to the terms the bonus should have been paid on the 5th business day but I have yet to receive it. I contacted customer support regarding it and was responded back with the terms and no solution.

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: WI

Complaint narrative:
I opened a Netspend XXXX XXXX Account in response to a promotion offering a {$200.00} bonus. The promotion stated that if I activated the card and received direct deposits totaling {$400.00} or more within 60 days, I would receive a {$200.00} bonus within 5 business days. 

I completed all the required steps : Activated the card Enrolled in direct deposit Received direct deposits totaling more than {$400.00} within the 60-day window.

Despite meeting the requirements, I have not received the {$200.00} bonus. I contacted customer support multiple times. At first, they asked for a screenshot of the promotion, which I provided. Then they changed their stance and claimed I was not eligible because I was allegedly a prior customerthis is false. I have never had a Netspend, XXXX, XXXX, or any similar account before this. 

The offer made no such exclusion visible at the time I signed up, and I used the official promotional link provided by Netspend. I believe this is deceptive marketing and a breach of the terms they advertised. 

Reference number from my conversation with Netspend : XXXX I am attaching my correspondence with their support team and the screenshot of the promotion I responded to.

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 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a formal dispute to TransUnion on XX/XX/year> regarding an account reported by XXXX XXXX. My dispute was complete, typed, and included identity verification. I sent it by certified mail, which was received. 

TransUnion responded saying my dispute was illegible which is untrue. The exact same dispute was sent to XXXX, and while they did not use the word deleted, they reduced the balance to {$0.00} and marked the account as closed between XX/XX/XXXX and XX/XX/year>. This clearly demonstrates the account could not be verified and was updated accordingly by XXXX. 

TransUnion has now violated FCRA 1681i by failing to investigate and providing no clear explanation. I am requesting CFPB assistance in compelling compliance, proper reinvestigation, or deletion of the unverifiable account.

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