vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year> apparently someone used my zelle account to submit XXXX $ to BMO account and XXXX apparently contact BMO it flagged my account it as fraud even though i authorized it. I think they wrongly closed my account wrongly.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information on my TransUnion credit report under the Fair Credit Reporting Act ( FCRA ), Section 609. Please review the following accounts and correct any inaccuracies : Disputed Accounts : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX * * * * * * * * Balance : {$1000.00} Issue : This account is inaccurately reported as " Open '' with a balance of {$1000.00}. The status should be corrected in accordance with the FCRA. 
XXXX. Account Name : XXXX XXXX  Account Number : XXXX * * * * * * * * * * * Balance : {$940.00} Issue : This account is incorrectly reported as " Closed '' and contains errors regarding the balance and payment history. These discrepancies violate the FCRAs accuracy standards. 
XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * Balance : {$740.00} Issue : This account is marked as " Open, '' but it carries an incorrect balance. It should be marked as " Closed '' or " Paid '' in compliance with the 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 non-monetary relief
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
I am requesting an investigation of inaccurate or unverifiable information on my Experian credit report. Please review the accounts listed below and correct or remove them as necessary : Charged-Off Accounts : XXXX, Account : XXXX, Reported : XX/XX/XXXX XXXX XXXX XXXX, Account XXXX XXXX, Reported : XX/XX/XXXX Late Payment Accounts : XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Auto Finance, Account : XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX Account : XXXX Inquiries : XXXX Card XXXX XXXX : XX/XX/XXXX I dispute the accuracy of these items and request verification according to the FCRA. If verification can not be provided, I request removal of the disputed items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing inaccurate information on my TransUnion credit report under the Fair Credit Reporting Act ( FCRA ), Section 609. I respectfully request that you review the following accounts and correct any inaccuracies. 
Disputed Accounts : XXXX. Account Name : XXXXXXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * Original Creditor : XXXX XXXX XXXX : {$430.00} Issue : This account is incorrectly listed as " Open '' when it should be settled or closed. 
The FCRA mandates the accurate reporting of account statuses. 
XXXX. Account Name : XXXX XXXX Account Number : XXXX * * * * * * * * Balance : {$0.00} Issue : The account is inaccurately marked as " Closed, '' and there are incorrect late payment notations. These details violate the FCRAs requirement for accurate account reporting. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * Balance : {$20000.00} Issue : The account is inaccurately reported as " Open '' with delinquent status. The FCRA requires that all delinquency and payment status be accurate.

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 2025-11-25 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following inaccurate information that has been reported on my Equifax credit report. These entries are incorrect and need to be corrected. Please see the details below : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Issue : I believe this account has been inaccurately reported as " charged off '' and would like to request further investigation into the status of this account. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is reported as " charged off '' with a {$0.00} balance. I am requesting verification that this is correctly reported. 

Inquiries : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Issue : These inquiries were unauthorized, and I am requesting that they be removed from my credit report. 

Late Payments : XXXX XXXX  Account Number : XXXX Issue : The payment reported is inaccurate. Please verify if this payment history is correct. 

XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
I have ordered a payoff from this mortgage lending company for a refinance with another company at a lower rate. First payoff received on XX/XX/XXXX was incorrect showing myself, customer, owed {$4300.00} for an Assistance Balance program to make monthly payment lower for 3 years, commonly referred to as a XXXX buydown agreement. New refinancing company close date was XX/XX/XXXX. Contacted Newrez XX/XX/XXXX about this payoff amount being incorrect as the interest buydown funds were paid at initial closing. Initial closing with a different company and Newrez obtained/purchased the loan and became my mortgage lender. XX/XX/XXXX I contact Newrez again for correction and the amount is not corrected. I then supply documents from closing of proof of buydown funds paid up front at initial closing as well as have the initial mortgage company supply them also. XX/XX/XXXX holiday so I call back XX/XX/XXXX and they have received buydown agreement and are working to correct. XX/XX/XXXX I call again and speak to supervisor and told it is being worked to be corrected that I will hear back in XXXX hours. XX/XX/year> hours later, no response or call back as agreed upon previous day so call again and told the same except XXXX hours. Monday XX/XX/XXXX I call again and speak to another supervisor. I am told XXXX business days to correct the issue this time. XX/XX/XXXX I call again and lengthy conversation with yet another XXXX or supervisor and assured it will be looked into and receive a call back by XXXX Monday XX/XX/XXXX. XX/XX/XXXX no call back. XX/XX/XXXX I call again and speak to yet another supervisor. I am told the issue has been escalated and a complaint filed on every single XXXX of these calls since XX/XX/XXXX. Back to the XXXX, this supervisor reviews again and this time I am told XXXX days to correct this payoff amount after I have supplied proof of payment XXXX weeks prior. I have now missed a closing date 3 times and had to pay for rate extensions. Since I also missed initial closing date and had not made XXXX payment due XX/XX/XXXX to not change the payoff slough, I had to make the XXXX monthly payment and the debits on payoff went up to {$4500.00} for the assistance balance they call it. Absolutely ridiculous that a company with computers in todays times can not find information they need on their end and have this issue fixed in a more reasonable amount of time. It is also ridiculous that the wait time continues to extend and go up and I can get no response from the department or team this issue is escalated to that has to make the physical change on the payoff for something I have already paid at initial closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
I am disputing the following inaccurate or unverifiable information on my Experian credit report : Charged Off Accounts : XXXX XXXX XXXX * * * * XX/XX/XXXX {$0.00} XXXX XXXX XXXX * * * XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX * * * XX/XX/XXXX {$570.00} XXXX XXXX XXXX * * * XX/XX/XXXX {$0.00} Inquiries : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments : XXXX XXXX XXXX * * * * XXXX XXXX XXXX * * * * I request that Experian verify these accounts and inquiries and remove or correct any information that can not be substantiated.

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 2025-11-25 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: NY

Complaint narrative:
I am disputing the accuracy of the following accounts and inquiries listed on my Experian credit report. The details below show discrepancies in the account information, including incorrect balances and inconsistent reporting across different bureaus. 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-25 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX - Balance : {$1000.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$1900.00} - Date Opened : XX/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 non-monetary relief
Consumer complaint received 2025-11-25 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 have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-11-25 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: IL

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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
Well I believe the cash app hack all the money came from my wallet when I started asking questions they to closed my account I need a lawyer to put a mechanics lein on the company it says right on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint to the Consumer Financial Protection Bureau regarding an inaccurate credit report entry from XXXX XXXX XXXX XXXX XXXX XXXX The information currently being reported is incorrect and is causing significant harm to my credit profile. 
Account Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Status : Closed Reported Balance : {$16000.00} Reported Credit Limit : {$6500.00} Last Updated : XX/XX/XXXX Listed as : XXXX potentially negative months/ XXXX % credit usage This reporting is inaccurate and does not reflect the true balance or payment history on the account. I have attempted to resolve the issue directly with the creditor, but the information continues to be reported incorrectly. 
These inaccuraciesincluding the inflated balance, incorrect credit usage, and negative month countare unfairly damaging my credit and violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate this matter and require the furnisher to correct or remove the inaccurate information from my credit report. 
I am prepared to provide any additional documentation needed. 
Thank you for your time and attention. I look forward to a prompt resolution.

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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Complaint Against : Resurgent Capital Services/ LVNV Funding LLC Summary of Issue : I requested a Debt Validation from Resurgent Capital Services on XX/XX/year>, regarding an alleged debt they claim to own on behalf of LVNV Funding LLC. I also sent a Cease & Desist notice. On XX/XX/year>, they responded only with a basic account summary. They failed to provide : Any documentation proving XXXX owns the debt Chain of assignment from the original creditor ( XXXXXXXX XXXX ) ( XXXX XXXX XXXX  ) ( XXXX XXXX ) Original signed agreement or contract Itemized balance breakdown Billing statements Proof of the accuracy of the amount Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection until proper validation is provided. Resurgent did not provide adequate validation and keeps the account open in collection status. 

Requested Resolution : I request the CFPB require Resurgent/LVNV to : Provide full validation as required by federal law OR Cease all collection activity and remove the account from any credit reporting until validation is produced. 

I am requesting regulatory assistance to enforce the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-25 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 submitting a dispute for the following accounts on my credit report. Please investigate these accounts for accuracy, as some of the information is incorrect or outdated. Below are the details of the accounts in dispute, separated by credit bureau. 
Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$910.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9600.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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:
Dear Sir/Madam, I am writing to dispute the following items on my TransUnion credit report. The information is inaccurate, and I respectfully request an investigation into these discrepancies. Please refer to the details of the accounts in dispute below : Charged Off Accounts : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1100.00} Late Payments : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2025-11-25 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: GA

Complaint narrative:
These accounts have no affiliation with me and must be eliminated within XXXX days under USC 1681g.

Company response to consumer: Closed with non-monetary relief