vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: MO

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX due to their continued false and damaging reporting to the credit bureaus, and their lack of response to my previous dispute. 

I voluntarily surrendered my vehicle, and I was never late on any paymentsI have proof of my payment history. Despite this, XXXX has reported false late payments, which has caused severe damage to my credit. 

Additionally, XXXX has repeatedly pulled my credit without authorization, which has caused my credit score to drop by over XXXX points. This is harassment and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have submitted a previous complaint to the CFPB about this matter, and I have also contacted the XXXX, yet no corrective action has been taken. XXXX continues to ignore my emails and refuses to fix the inaccurate information. 

I am demanding that the CFPB intervene and require XXXX to : Immediately remove all false late payments from my credit reports Cease all unauthorized credit pulls Investigate the predatory terms of the original loan If this is not resolved immediately, I will pursue legal action against XXXX and all applicable parties for damages to my credit, emotional distress, and violations of federal law. I will not hesitate to involve the media or take this public if necessary. I expect this to be handled seriously and swiftly.

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 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
This letter is sent in response to [ a letter/phone call ] I received on XX/XX/year>. I am requesting that you provide verification of this debt.Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MD

Complaint narrative:
I am reaching out to request the removal of incorrect addresses from my credit report. The information being reported is inaccurate, and I have included the necessary documents to facilitate this correction. Please process this request promptly and ensure that these addresses are removed without delay.

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 2025-05-03 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: MN

Complaint narrative:
Complaint Summary : I am filing this formal complaint and dispute because the three major consumer reporting agencies Equifax, Experian, and TransUnion are inaccurately and unlawfully reporting a dismissed bankruptcy on my consumer credit file. The court record was dismissed with no discharge, and was officially resolved on XX/XX/XXXX. Despite this, the credit bureaus are publishing it as a derogatory public record, causing damage to my credit standing. 

The report shows only the word Dismissed and a resolved date, with no mention that : The case was thrown out without relief No debt was discharged No XXXX XX/XX/XXXX bankruptcy plan was executed This is materially incomplete, misleading, and harmful to my creditworthiness. 

Legal Grounds : Violation of FCRA 1681e ( b ) Maximum Possible Accuracy The credit bureaus are reporting this dismissed bankruptcy in a manner that is incomplete and misleading, failing to follow reasonable procedures to ensure maximum possible accuracy. Dismissed without further context implies a failed bankruptcy or an unresolved financial issue, when in fact the case was legally extinguished.

Violation of FCRA 1681b No Permissible Purpose I did not authorize the acquisition or publication of this bankruptcy information. There is no valid business need or permissible purpose to report a non-discharge bankruptcy dismissal. I did not give consent for this information to be used in any consumer report. 

Violation of FCRA 1681q False Pretenses If the bankruptcy data was obtained through data-scraping public record vendors or third parties ( e.g., XXXX ) XXXX and reported without verifying proper context or consent, this constitutes obtaining consumer information under false pretenses.

Violation of Minnesota Statute 609.527 Aggravated Identity Theft Under Minnesota law, the unauthorized use of my personal identifying information name, SSN, date of birth in conjunction with a dismissed legal proceeding is unlawful, especially when used to affect my financial reputation. This amounts to misuse for gain or harm, satisfying the elements of identity theft. 

Jurisdictional Overreach The bankruptcy court has no jurisdiction to transmit my personal records to credit bureaus, especially once the case was dismissed and no discharge order was issued. I did not authorize any court or vendor to share this data for credit reporting purposes. There is no legal authority granting credit bureaus the right to republish a null and void record as a continuing credit risk.

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 2025-05-03 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: MN

Complaint narrative:
Complaint Summary : I am filing this formal complaint and dispute because the three major consumer reporting agencies Equifax, Experian, and TransUnion are inaccurately and unlawfully reporting a dismissed bankruptcy on my consumer credit file. The court record was dismissed with no discharge, and was officially resolved on XX/XX/XXXX. Despite this, the credit bureaus are publishing it as a derogatory public record, causing damage to my credit standing. 

The report shows only the word Dismissed and a resolved date, with no mention that : The case was thrown out without relief No debt was discharged No XXXX XX/XX/XXXX bankruptcy plan was executed This is materially incomplete, misleading, and harmful to my creditworthiness. 

Legal Grounds : Violation of FCRA 1681e ( b ) Maximum Possible Accuracy The credit bureaus are reporting this dismissed bankruptcy in a manner that is incomplete and misleading, failing to follow reasonable procedures to ensure maximum possible accuracy. Dismissed without further context implies a failed bankruptcy or an unresolved financial issue, when in fact the case was legally extinguished.

Violation of FCRA 1681b No Permissible Purpose I did not authorize the acquisition or publication of this bankruptcy information. There is no valid business need or permissible purpose to report a non-discharge bankruptcy dismissal. I did not give consent for this information to be used in any consumer report. 

Violation of FCRA 1681q False Pretenses If the bankruptcy data was obtained through data-scraping public record vendors or third parties ( e.g., XXXX ) XXXX and reported without verifying proper context or consent, this constitutes obtaining consumer information under false pretenses.

Violation of Minnesota Statute 609.527 Aggravated Identity Theft Under Minnesota law, the unauthorized use of my personal identifying information name, SSN, date of birth in conjunction with a dismissed legal proceeding is unlawful, especially when used to affect my financial reputation. This amounts to misuse for gain or harm, satisfying the elements of identity theft. 

Jurisdictional Overreach The bankruptcy court has no jurisdiction to transmit my personal records to credit bureaus, especially once the case was dismissed and no discharge order was issued. I did not authorize any court or vendor to share this data for credit reporting purposes. There is no legal authority granting credit bureaus the right to republish a null and void record as a continuing credit risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
Moneylion has been trading stocks and virtual crypto.Currency is in my name with my bank account for the past couple years and I have been filing complaints about this and I am asking for a settlement for the amount of money that was put into it and taken out of it without my knowledge and unauthorized transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: PA

Complaint narrative:
Please block and delete the unauthorized accounts from my credit file immediately. I have no knowledge of these accounts and did not authorize their creation. Pursuant to USC XXXXg, I am formally requesting their removal within XXXX days. Supporting documents are enclosed for your review. I also noticed inconsistent and inaccurate account information being reported to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-03 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: AZ

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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:
I recently discovered that my information was exposed in the Equifax data breach, resulting in several fraudulent accounts I have filed a report with the FTC and Im filing this report in regards to the following fraudulent accounts ; XXXX & XXXX {$700.00}, XXXX XXXX XXXX XXXX {$680.00}, XXXX XXXX XXXX XXXX {$17000.00}, XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX {$220.00}, XXXX XXXX XXXX {$240.00}, XXXX XXXX {$160.00} XXXX {$0.00} XXXX {$230.00}, XXXX {$0.00}, XXXX XXXX {$6000.00}, XXXX XXXX, XXXX {$68.00}, XXXX XXXX {$7200.00}

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 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to bank of America and deposit a check from my employer XXXX XXXX XXXX XXXX  in the amount of {$670.00} and in the receipt it said that I will be available the following day on XX/XX/XXXX now I got e-mail that the check will bounced and they put a hold on the check until XX/XX/XXXXXXXX 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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: IL

Complaint narrative:
i have XXXX credit cards with continental finance. on XX/XX/25 i received a letter from XXXX of the card company 's named XXXX XXXXXXXX they were informing me that my account ending in XXXX has been locked due to suspicious activity. when ever i try to call the number a message always says they are experiencing high call volume and I'm usually XXXX in line. im on hold for hours and this is just plain unacceptable. no one has responded to my email in their service center. i did receive a automated email that states they received it. nothing else. also i tried to use the other card tonight ending in XXXX and payments were declined on that card as well. so silly me i called the number as it is the same as the first card and when i entered the account info it said my account did not exist. then the system connected me to call center and of course i am XXXX in the cue. as stated earlier this is unacceptable. especially since i was charged XXXX on each card as a maintenance fee. all i want is to wash my hands with this company due to lack of service. 

i want both of my accounts closed. i will pay for what ever usage i used, minus any fees/maintenance charges i was charged up front. this is non negotiable. if these terms are not met i will seek legal action. i will also request my legal fees to be payed by the credit card company for creating this situation and leaving me know other alternatives for a resolution. i should not have to report unfair business practices to get a resolution but here we are.

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 2025-05-03 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:
TransUnion is violating my rights by allowing the debt collection agency XXXX XXXX XXXX to insert fraudulent debt into my credit report. I disputed this action through XXXX XXXX and also called to speak with a representative, requesting that this inaccurate information be removed. Additionally, I explained that someone attempted to access my report, resulting in my account being locked. I suspect that this agency may have tried to access my account illegally. 

Despite my requests, TransUnion has refused to remove the fraudulent debt. I spoke with a supervisor named XXXX, who is not only denying my request but also violating my rights by refusing to correct this issue. He provided false information and misleading statements. Furthermore, XXXX XXXX XXXX has a known reputation for reporting inaccurate details on consumer credit report. 

It is illegal for a credit bureau to report inaccurate information. TransUnion for violating the Fair Credit Reporting Act ( FCRA ), a federal law that creates privacy rights for individuals to help them maintain control over their personal 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 explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am tired of these uneducated companies controlling my credit reports they are not addressing me in the manner that they should I am a XXXX XXXX who paid bills all of my life and is being disrespected by these inaccurate credit companies they need to be closed down. TransUnion do not even know who I am I had an income of XXXX a yr and now retired with XXXX a yr. Why is my credit scre looking like a teen who doesnt have any responsibility. I asked to be corrected but the continue to ask for my drivers license over and over again I am a victim of identity theft these companies has Police reports and Drivers License what is going on they need to fire the uneducated employees and get some train employees to work for these credit companies they are a big embarrassment.

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 2025-05-03 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: LEXISNEXIS
State: MN

Complaint narrative:
I am filing this formal complaint and dispute because the XXXX major consumer reporting agencies XXXX, XXXX, and XXXX  are inaccurately and unlawfully reporting a dismissed bankruptcy on my consumer credit file. The court record was dismissed with no discharge, and was officially resolved on XX/XX/XXXX. Despite this, the credit bureaus are publishing it as a derogatory item, causing damage to my credit standing. 

The report shows only the word Dismissed and a resolved date, with no mention that : The case was thrown out without relief No debt was discharged XXXX XXXX XX/XX/XXXX bankruptcy plan was executed This is materially incomplete, misleading, and harmful to my creditworthiness. 

Legal Grounds : Violation of FCRA XXXX ( b ) Maximum Possible Accuracy The credit bureaus are reporting this dismissed bankruptcy in a manner that is incomplete and misleading, failing to follow reasonable procedures to ensure maximum possible accuracy. Dismissed without further context implies a failed bankruptcy or an unresolved financial issue, when in fact the case was legally extinguished. 

Violation of FCRA XXXX No Permissible Purpose I did not authorize the acquisition or publication of this bankruptcy information. There is no valid business need or permissible purpose to report a non-discharge bankruptcy dismissal. I did not give consent for this information to be used in any consumer report. 

Violation of FCRA XXXX False Pretenses If the bankruptcy data was obtained through data-scraping public record vendors or third parties ( e.g., LexisNexis ) XXXX and reported without verifying proper context or consent, this constitutes obtaining consumer information under false pretenses. 

Violation of Minnesota XXXX XXXX Aggravated Identity Theft Under Minnesota XXXX, the unauthorized use of my personal identifying information name, SSN, date of birth in conjunction with a dismissed legal proceeding is unlawful, especially when used to affect my financial reputation. This amounts to misuse for gain or harm, satisfying the elements of identity theft. 

Jurisdictional Overreach The bankruptcy court has no jurisdiction to transmit my personal records to credit bureaus, especially once the case was dismissed and no discharge order was issued. I did not authorize any court or vendor to share this data for credit reporting purposes. There is no legal authority granting credit bureaus the right to republish a null and void record as a continuing credit risk.

Company response to consumer: Closed with explanation