vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: IA

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

Company 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 2025-05-06 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: IL

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau

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 2025-05-06 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:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
XX/XX/year> I am asking for accurate reporting on my reports from Jefferson Capital Systems I am asking this in accurate information be removed from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
I have always been on PAYE and have been calling Mohela since XX/XX/XXXX to get my account back into the current repayment plan I was in prior to IDR applications being paused. Student Aid provided guidance to push out recertification out one year. Which means I can remain in my current plan until XX/XX/XXXX. However Mohela refuses to honor that and has put me into a standard repayment plan when they shouldnt and now has gone to {$3100.00}. I want to make my payments to go back to {$320.00} as they shouldnt given that recertification is pushed out until at least XX/XX/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 2025-05-06 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2025 I filed a dispute letter to remove an inaccurate address from my credit report, Remove reposessions, Old charge off accounts that are reporting innacurate information and Late Payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
On XXXX XXXX, 2025 I filed a dispute letter to remove an inaccurate address from my credit report, Remove reposessions, Old charge off accounts that are reporting innacurate information and Late Payments.

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 2025-05-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a copy of my credit report and find the following items on my Experian unfamiliar i have explained the discrepancies of the hard inquiries from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX hard inquiries from XXXX XXXX XXXX. to my records the information thats being exposed on my credit profile is unrecognizable.

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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Bank of America account has never been late, over the limit, or not paid. However, with each payment Bank of America has continued to reduce my credit limit thereby increasing my utilization rate and thereby decreasing my credit rating based on an unsupported and unsubstantiated risk factor. 

Bank of America has illegally violated the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( Credit CARD Act ) A general rule of thumb is to maintain a utilization rate of not more than XXXX % of your credit limit. However, when credit card companies decrease your credit limit for no specific reason or event, they are violating my ability to maintain the favorable debt to credit ratio that was previously managed. And, due to the baseless actions of the credit card companies my overall utilization rate has gone from less than XXXX % to XXXX %. This is criminal. Each month I pay more than the minimum required and the companies still take this type of action. 

With the exception of the XXXX accounts that I am not responsible for, I have consistently maintained a stellar payment history and have never maxed out my credit limit. Addition ally, my credit score hasnt been below XXXX in more than XXXX years. I do not have a financial hardship, but I am being treated as a criminal and not as a valued long-standing customer. 

It would stand to reason that if I have XXXX accounts, XXXX accounts with no issues ever and XXXX are unpaid or in dispute, then one could conclude that there must be a serious problem with the service or product some other issue that is impacting the 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 explanation
Consumer complaint received 2025-05-06 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: MD

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I've been doing these same sorts of transactions for MONTHS now. I am a XXXX veteran, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which makes driving hazardous so I always visit the ATM before XXXX Mountain Time. This morning, Tuesday, XXXX XX/XX/XXXX, Bank of America declined my withdrawal citing " suspicious activities ''. There are no suspicious activities. I've been doing this for MONTHS now. Bank of America customer service rep, XXXX? couldn't give me a reason why they've done this. I got up early. Wasted time, gasoline, effort for nothing. I have asked XXXX to raise my withdrawal limit from {$2000.00}. a day to {$3000.00}. a day to be able to accomplish my goal ( eventually close out my XXXX XXXX XXXX accout faster ) faster but she did not indicate whether she'd be able to do this or not. Another re, XXXX, was later able to tell me the limit had been raised to {$3000.00} dollars a day for withdrawals from ATMs. I've been doing business with Bank of America since XXXX. This is not the first time I've been treated capriciously and arbitrarily. Were it not for the huge hassle of getting another bank signed up for my automatic XXXX Check deposits, handle auto-pay, etc., I'd close out my account with them due to this kind of treatment.

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 2025-05-06 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: TX

Complaint narrative:
I XXXX XXXX is a victim of identity theft Transuion Equifax & Experian are reporting inaccurate and frivolous information to my personal credit report which has caused Emotional Distress and Damages I have Disputed the said accounts below and the credit bureaus have not properly investigated nor supplied me any documentation or proof of validation Im now filing a Civil suit against all said companies Experian is reporting a late payment from XXXX XXXX XXXXXXXX Transuion as well as Equifax is reporting late payments The said accounts are not mines XXXX XXXX {$110.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$200.00} Late payments -XXXX XXXX XXXXXXXX {$34000.00}

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 non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I XXXX XXXX is a victim of identity theft Transuion Equifax & Experian are reporting inaccurate and frivolous information to my personal credit report which has caused Emotional Distress and Damages I have Disputed the said accounts below and the credit bureaus have not properly investigated nor supplied me any documentation or proof of validation Im now filing a Civil suit against all said companies Experian is reporting a late payment from XXXX XXXX XXXXXXXX Transuion as well as Equifax is reporting late payments The said accounts are not mines XXXX XXXX {$110.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$200.00} Late payments -XXXX XXXX XXXXXXXX {$34000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I keep receiving letters and phone calls about debt that has already been paid. It is still showing on my credit report. I would like it taken out of my report and notices sent to all bureaus I am current. I no linger want this to show on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
requesting a XXXX C on charged off debt reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-06 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: IN

Complaint narrative:
Reporting accounts and addresses I never lived at. I wrote several times asking for documents from TransUnion and XXXX XXXX and none were provided. Even in a the last response XXXX XXXXXXXX stated the dont have my address on my id where I lived over 15 years on file. That show I did not have an account! I tried to apply and I was told I already have a card and I do not, I attached the letter that shows I never applied or lived at the place XXXX  XXXX put on my credit.

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 2025-05-06 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 XXXX XXXX is a victim of identity theft Transuion Equifax & Experian are reporting inaccurate and frivolous information to my personal credit report which has caused Emotional Distress and Damages I have Disputed the said accounts below and the credit bureaus have not properly investigated nor supplied me any documentation or proof of validation Im now filing a Civil suit against all said companies Experian is reporting a late payment from XXXX XXXX XXXXXXXX Transuion as well as Equifax is reporting late payments The said accounts are not mines XXXX XXXX {$110.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$200.00} Late payments -XXXX XXXX XXXXXXXX {$34000.00}

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 2025-05-06 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: IL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX RE : XXXX Dear Sir/Madam : I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the agencies, inform them that the debt is disputed, and ask them tomy credit report. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with non-monetary relief