vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting this complaint because there are multiple inaccurate, unauthorized, or unverifiable accounts and hard inquiries on my credit report. 
These include accounts from : XXXX XXXX XXXX ( acct # XXXXXXXX XXXX XXXX XXXX XXXX  ) collection for XXXX XXXXXXXX XXXX  LVNV Funding LLC ( acct # XXXXXXXX XXXX XXXX XXXX XXXX ) collection for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( acct # XXXX XXXX XXXX XXXX XXXX ) charge-off XXXX  XXXX ( acct # XXXXXXXX XXXX XXXX XXXX XXXX  ) charge-off XXXX XXXX XXXX XXXX XXXX XXXX all reported with missing or unverifiable data I also discovered unauthorized hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX I do not recall applying for credit with these companies, and I never received proper notice or validation from any of the furnishers.

I submitted an FTC Identity Theft Report stating that I believe some or all of these accounts were added without my authorization or contain errors. I also requested that the credit bureaus block or delete these items under 15 U.S. Code 1681c-2, which allows consumers to demand the removal of information resulting from identity theft or inaccurate reporting.

These items are negatively affecting my credit and I have not received proper resolution after initiating disputes. Im now requesting the CFPB to enforce the removal or proper verification of these accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint because there are multiple inaccurate, unauthorized, or unverifiable accounts and hard inquiries on my credit report. 
These include accounts from : XXXX XXXX XXXX ( acct # XXXX XXXX XXXX XXXX XXXX ) collection for XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( acct # XXXXXXXX XXXX XXXX XXXX XXXX ) collection for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( acct # XXXX XXXX XXXX XXXX XXXX ) charge-off Capital One ( acct # XXXXXXXX XXXX XXXX XXXX XXXX ) charge-off XXXX XXXX XXXX XXXX XXXX XXXXf all reported with missing or unverifiable data I also discovered unauthorized hard inquiries from : XXXX XXXX XXXX XXXX Capital One I do not recall applying for credit with these companies, and I never received proper notice or validation from any of the furnishers.

I submitted an FTC Identity Theft Report stating that I believe some or all of these accounts were added without my authorization or contain errors. I also requested that the credit bureaus block or delete these items under 15 U.S. Code 1681c-2, which allows consumers to demand the removal of information resulting from identity theft or inaccurate reporting.

These items are negatively affecting my credit and I have not received proper resolution after initiating disputes. Im now requesting the CFPB to enforce the removal or proper verification of these accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: UT

Complaint narrative:
I contacted the 3 credit bureaus trying to get an account in collections from XXXX XXXX removed from my credit reports. The credit bureaus replied that XXXX XXXX had told them the debt was accurate. I then asked the credit bureaus to provide what information had been provided to them to verify the debt. None of them responded. 

I reached out via the online portal at XXXX XXXX to dispute the debt. It has been 30 days and I have not received proof of the debt or any information. I would pay for the debt if I could be provided proof of the debt, but I know I have never had an XXXX XXXX XXXX or XXXX account, as I use XXXX, XXXX, and 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: FL

Complaint narrative:
On or around XX/XX/XXXX, I discovered an alleged debt being reported by XXXX XXXX XXXX in the amount of {$1000.00}, which was later referred to TrueAccord for collection. The accounts default date is listed as XX/XX/XXXX, yet I was never properly served with a written notice of debt, nor was I afforded the legally required 30-day validation window under XXXX USC XXXXg ( a ) of the FDCPA. 

Upon reviewing TrueAccords collection platform, I noticed that they were offering a XXXX XXXX discounted settlement for {$630.00}, with three payment plan options and a one-time payment resolution. This substantial discount calls into question the accuracy and legitimacy of the reported amount and suggests that the debt may not be fully validated or enforceable. No supporting documentssuch as an original signed contract, itemized balance breakdown, or chain of title proving that TrueAccord is legally authorized to collecthave been furnished despite my prior requests. 

The account has been furnished to at least one or more consumer reporting agencies in violation of FCRA XXXX and Metro 2 guidelines, which require that only verified and accurate information be reported. Offering settlements without verification while reporting to credit bureaus constitutes deceptive collection and unlawful reporting practices. I have also not received confirmation of whether this account is still owned by XXXX XXXX XXXX or sold to a third party.

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 2025-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Per the FCRA as a federally protected consumer I am opting out of any and all authorization to report any information on my consumer report. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. The Privacy Act of XXXX  ( 5 U.S.C. 552a ) is a United States federal law that establishes a Code of Fair Information Practice governing the collection, maintenance, use, and dissemination of personally identifiable information by federal agencies. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ''. 15 U.S. Code 6805- Enforcement. Consumer Financial Protection Act of XXXX  [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows

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 2025-05-29 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-29 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have an account that was charged off in XXXX during COVID. The account has been reporting charge off since XXXX. The account is showing that I just closed the account in XXXX of XXXX. That is incorrect and re-aging the account making the account look as if it is a new delinquent account. I have asked for all credit bureaus to please look at the account and see the account will fall off XXXX of XXXX. There is no way it is a new delinquent account and is to fall off next year of XXXX. The companies are not investigating what I am asking for. They are saying the account is valid, when I asked what methods are being used to investigate with no answer. This is illegal and I need this investigated please

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 2025-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
I have a dormant card with " Curacao '' this card was used in XXXX and paid off in XXXX. I have not used that card nor visited that store since then. I was alerted by XXXX  that there was recent activity on a dormant card. When I checked my credit score it had a balance on that card for over {$400.00} dollars and is not at {$500.00} due to late fees. When I visited the store to clear this up they told me it was a transaction in XX/XX/XXXX. I would really like some help because when I call the store all they tell me is " my supervisor will call you back '' it has now been a week and still nothing. My credit score also keeps going down and it isn't fair because I work very hard to make payments on time and build my credit score up. I also find it unfair that Everytime I call they want payment but I never made that purchase. I don't even have that card anymore because after I paid it off I tore it up because I didn't want to use it ever again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX 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 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/year> I wrote a check to the insurance company, XXXX, for {$410.00}. This was for 1 year 's worth of premiums for a life insurance policy for my wife. The company for some reason asked for this check before approving the policy. The company then, in XXXX, declined to issue the policy. I asked for my check back and they stated they had destroyed it. I asked them if I needed to put a stop payment on it with my bank and they stated no, they had destroyed the check. Unfortunately I took them at their word. On XX/XX/year> I logged into my Checking account to pay a bill and noticed that the check had surprisingly just been cashed, 10 weeks after the fact! My wife contacted XXXX who confirmed they still will not be issuing her a life insurance policy and could not explain why they cashed the check. I have, separately, filed complaints about them with the XXXX  and the Missouri AG. I called my bank, Bank of America, the same day ( XX/XX/year> ). I asked them if there was any way I could dispute the check, similar to how one would dispute a credit card charge. They stated there was nothing they could do for a check, since I did write the check and sign my name ( = it is not a fraudulent check ). I stated I understood and would pursue this with XXXX and/or the XXXX  and the AG, etc. Today ( XX/XX/year> ), I logged into my BOA account and inexplicably saw not one, but two ( 2 ) " stop payment '' charges of {$30.00} each on my account. I called BOA again and asked them why I was being charged this fee when they had told me the day before that they could not dispute the check, much less stop payment as it had already been paid out on XX/XX/year>. They expressed they " might '' be able to credit me for one of these charges, but not both. I asked them to reconsider. They put in a request on my behalf to be credited back the additional {$30.00}, and just now I got an email notice saying my request is denied. I don't think it's fair for them to charge me {$30.00} for a " stop payment '' when that request was made ( specifically to dispute the payment if possible ) by me * after the check had already been cashed * and * on top of that I was told it could not be disputed, reversed, or otherwise canceled *. What am I being charged for? Asking a question? This is insane. I could understand if they'd actually provided any kind of service in exchange for the {$30.00}, but they didn't. It's like they're billing me for just asking them via phone if I could dispute a check. This can not be legal.

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 monetary relief
Consumer complaint received 2025-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I noticed some unauthorized activity on my consumer 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 2025-05-29 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: FL

Complaint narrative:
I am resubmitting a new formal complaint against Experian/Equifax for the continue reporting of a withdrawn bankruptcy filing on my credit report. I have disputed this item multiple times over the last seven years. I never completed the bankruptcy process - the case with voluntarily withdrawn and never adjuticated or discharged. 

This entry is misleading and extremly financially harmful. Reporting a withdrawn filing alongside completed bankruptcies give a false impression to lenders and violates ahd FCRA requirements for fair and accurate reporting. 

XXXX has removed this entry from my credit file. I have provided the Experian/Equifax with documentation proving the withdrawl and expect them to do the same. Experian/Equifax 's toxic systemic failure to correct this inaccurate and incomplete intem constitues a violation of the FCRA. 

I am requesting the CFPB 's assistance in requiring Experian/Equifax to delete this entry, and to investigate their refusal over seven years to align with other CRAs that have resolved the matter appropriately.

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-29 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: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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