vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
I did not consent to, authorize, or benefit from any of theitems listed. Please remove them. These accounts are fraudulent and inaccurate, resulting from identity theft stemming from the data breaches of the three credit bureaus. The FTC and CFPB are investigating. According to FCRA 605B, this information must be blocked immediately until the investigation concludes. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Date XXXX Reference # : 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 2025-05-28 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 did not consent to, authorize, or benefit from any of theitems listed. Please remove them. These accounts are fraudulent and inaccurate, resulting from identity theft stemming from the data breaches of the three credit bureaus. The FTC and CFPB are investigating. According to FCRA 605B, this information must be blocked immediately until the investigation concludes. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Date XXXX Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
XXXXXXXX XXXX keeps reporting to all credit company after vehicle was paid off with XXXX  insurance and vehicle was also sold. Their information in my credit is wrong and if its affecting my life. In need this account deleted from all credit companys XXXX XXXX, Experian

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 2025-05-28 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:
XXXX XXXX  keeps reporting to all credit company after vehicle was paid off with gap insurance and vehicle was also sold. Their information in my credit is wrong and if its affecting my life. In need this account deleted from all credit companys XXXX, Equifax, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
XXXX XXXX  keeps reporting to all credit company after vehicle was paid off with XXXX  insurance and vehicle was also sold. Their information in my credit is wrong and if its affecting my life. In need this account deleted from all credit companys Transunion, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Dear Bank of America Executive Relations Team, I am writing to formally request an immediate and thorough review of my former personal checking/savings account held with Bank of America , originally opened in XXXX, Florida, in XXXX. My records indicate a loss of approximately {$8000.00} that was never returned to me following the closure or freezing of this account. I am requesting the return of all funds withheld or removed from my account without authorization or explanation. 

This is not an isolated incident. Substantial documentation and media reportsincluding Congressional investigations and federal lawsuitshave revealed that several major banks, including Bank of America, have participated in harmful financial practices that disproportionately affected XXXXXXXX XXXX customers. These include : Discriminatory lending practices ( resulting in the XXXX DOJ settlement for {$330.00} XXXX with Countrywide Financial, a former BoA unit ). 
Improper account closures and service denials reported in predominantly minority communities. 
Participation in schemes that triggered increased fees, inaccessibility to accounts, and loss of fundsparticularly during times of economic crisis such as the XXXX crash and the XXXX pandemic. 
Systemic underinvestment and closure of branches in XXXX XXXX XXXX XXXX, limiting access to fair financial services. 

These patterns are well-documented and align with my experience. I believe my case falls within the broader pattern of socioeconomic disenfranchisementintentional or negligentand request immediate redress. 

Action Requested : 1. A full investigation and written statement regarding the account activity from XXXX to the present. 
2. A complete accounting of all transactions, closures, fees, and final disbursements associated with the account.

3. Reimbursement of all withheld or unlawfully taken funds, including accrued interest and any damages incurred.

4. A copy of all internal notes, call logs, and correspondence associated with my account from Bank of Americas systems. 

I am submitting this demand to the following departments : Executive Relations / Office of the CEO Claims & Disputes Department Legal Department Regulatory Affairs Department I am also prepared to submit formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and state-level attorneys general if my concerns are not addressed promptly. 

Please consider this letter a good faith effort to resolve this matter professionally and without the need for formal litigation. I expect a full response within 15 business days of receipt of this letter.

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 2025-05-28 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: MO

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 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 2025-05-28 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:
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 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 2025-05-28 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: GA

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-05-28 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: CA

Complaint narrative:
On XX/XX/year>, XXXX unauthorized hard inquiries appeared on my TransUnion credit report from the following entities : XXXX XXXX ( XXXX ) XXXX of XXXX XXXX These inquiries resulted from a visit to a XXXX dealership where I was simply test driving a vehicle. While I provided my identification and Social Security Number for verification purposes, I was also given a credit authorization form, which I explicitly refused to sign. Despite my clear refusal, the dealership ran my credit anyway. A representative later admitted they made a mistake and ran it without my consent, then apologized. 

These credit checks were conducted without my written or verbal permission, violating the Fair Credit Reporting Act ( FCRA ), which requires explicit consumer authorization for a hard inquiry. 

On XX/XX/year>, I submitted a formal dispute to TransUnion requesting the removal of these unauthorized inquiries. As of today, the inquiries remain on my credit report and are negatively affecting my credit profile.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
Re : Complaint XXXX, LVNV Funding Llc continues to report the collection account on my Trans Union and Equifax Credit report . I requested validation of the debt they claimed I owe them and I didn't receive it. Now Resurgent Capital Services is saying they are the servicer of the account. Resurgent states in their letter that their records indicates that I was served a summons and complaint on XXXX XXXX. No summons and complaint was served to me. 
I would like to see documentation of the summons and complaint. Resurgent is lied. Also the person who signed the letter just signed XXXX. I do believe this company isn't professional enough, so they have that person just sign with a single name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
On XX/XX/year>, I paid my XXXX XXXX XXXX XXXX account in full through XXXX authorized collections law firm, XXXX XXXX XXXX. On XX/XX/year>, I received a formal settlement confirmation letter from XXXX XXXX XXXX confirming that the account was resolved with no remaining balance. 

Despite this, XXXX continues to report the account as unpaid on my credit report. This is false and misleading information. I have submitted the settlement letter to the credit bureaus and followed all proper procedures, but the inaccurate reporting originates from XXXX, who has failed to update the account status as required under the Fair Credit Reporting Act ( FCRA ). 

The problem lies with XXXX ' refusal to update their data furnishment to reflect the correct information that the account was settled in full and carries a {$0.00} balance. 

This incorrect reporting is causing serious harm to my credit and has already impacted my ability to obtain a mortgage. I am requesting that XXXX immediately correct the tradeline across all credit bureaus to show the account as settled and paid in full.

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 2025-05-28 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: CA

Complaint narrative:
On XX/XX/year>, I paid my XXXX XXXX XXXX XXXX account in full through XXXX authorized collections law firm, XXXX XXXX XXXX. On XX/XX/year>, I received a formal settlement confirmation letter from XXXX XXXX XXXX confirming that the account was resolved with no remaining balance. 

Despite this, XXXX continues to report the account as unpaid on my credit report. This is false and misleading information. I have submitted the settlement letter to the credit bureaus and followed all proper procedures, but the inaccurate reporting originates from XXXX, who has failed to update the account status as required under the Fair Credit Reporting Act ( FCRA ). 

The problem lies with XXXX ' refusal to update their data furnishment to reflect the correct information that the account was settled in full and carries a {$0.00} balance. 

This incorrect reporting is causing serious harm to my credit and has already impacted my ability to obtain a mortgage. I am requesting that XXXX immediately correct the tradeline across all credit bureaus to show the account as settled and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently discovered a Capital One credit card account opened in my name that I did not authorize or apply for. I have no knowledge of this account and never gave permission for it to be opened. This appears to be a case of identity theft. 

I contacted Capital One on [ insert date ] to dispute the account and requested that it be closed and removed from my credit report. However, the issue remains unresolved. I have also filed a fraud report and taken steps to protect my identity, including [ e.g., contacting the credit bureaus, placing a fraud alert, or filing a police report if applicable ]. 

I am seeking the CFPBs assistance in ensuring this fraudulent account is fully investigated, removed from my records, and does not negatively impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: WA

Complaint narrative:
ACCOUNT XXXX XXXX. I am unaware of this debt being reported by Summit AR. I was never contacted, never notified, and never given the opportunity to dispute it. 
This is an inaccurate entry on my credit report and I am demanding it be removed immediately. 
I am not requesting verification or communication. I want this account deleted. If it is not removed, I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: SC

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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Excessive amount of emails and phone calls, proof of owed amount, proof of where the debt originated from, information to set up a payment arrangement plan. 

Amount of debt owed- {$610.00} and {$120.00} Names of collectors - Midland Cred and XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NC

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 2025-05-28 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: NM

Complaint narrative:
I am demanding the correction and removal of outdated, inaccurate, and unauthorized personal information that continues to appear on my credit file despite prior disputes submitted to XXXX. These include incorrect address entries, unauthorized name variations, and unverified contact information.

Under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally required to maintain accurate and up-to-date information. My current identifying information is : * Name : XXXX XXXX XXXX XXXX * Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NM XXXX * Phone : ( XXXX ) XXXX * Email : XXXX Despite my written dispute dated XX/XX/year>XXXX XXXX  continues to list obsolete addresses such as : * XXXX XXXX XXXX XXXX XXXX, TX * XXXX XXXXXXXX XXXX XXXX, XXXX, NM * XXXX XXXX XXXX, XXXX, TX * XXXX XXXX XXXX XXXX XXXX XXXX, CA ( among others ) These entries are neither current nor accurate and should have been removed under 15 U.S. Code 1681c ( a ) ( 5 ), which prohibits the inclusion of obsolete identifying data.

Additionally, under 15 U.S. Code 1681i ( a ) ( 1 ), a reinvestigation was required within 30 days of my dispute. I have not received confirmation that XXXX fulfilled this obligation. 
Continued reporting of false identifying information harms my creditworthiness and violates 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 2025-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am demanding the correction and removal of outdated, inaccurate, and unauthorized personal information that continues to appear on my credit file despite prior disputes submitted to XXXX These include incorrect address entries, unauthorized name variations, and unverified contact information.

Under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally required to maintain accurate and up-to-date information. My current identifying information is : * Name : XXXX XXXX XXXX XXXX * Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NM XXXX * Phone : ( XXXX ) XXXX * Email : XXXX Despite my written dispute dated XX/XX/2XXXX XXXX continues to list obsolete addresses such as : * XXXX XXXX XXXX XXXX XXXX, TX * XXXX XXXXXXXX XXXX  XXXX, XXXX, NM * XXXX XXXX XXXX, XXXX, TX * XXXX XXXX XXXX XXXX XXXX XXXX, CA ( among others ) These entries are neither current nor accurate and should have been removed under 15 U.S. Code 1681c ( a ) ( 5 ), which prohibits the inclusion of obsolete identifying data.

Additionally, under 15 U.S. Code 1681i ( a ) ( 1 ), a reinvestigation was required within 30 days of my dispute. I have not received confirmation thaXXXX XXXX fulfilled this obligation. 
Continued reporting of false identifying information harms my creditworthiness and violates 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 non-monetary relief