vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/year> Subject : Request for Removal of Unauthorized Hard Inquiries from My Credit Report HI, I am writing to formally dispute and request the immediate removal of unauthorized hard inquiries listed on my credit report. 
After reviewing my credit file, I noticed the following inquiries that I did not authorize : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, MI XXXX ( XXXX ) XXXX ) Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX Date : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency is not permitted to provide a consumer report in connection with a credit transaction unless the consumer has given permission. I did not authorize these inquiries, nor did I initiate any business relationship or credit application with these entities. Therefore, these inquiries violate my rights under the FCRA. 

Furthermore, under FCRA 604 ( a ) ( 3 ), only inquiries made with a permissible purpose and consumer consent may be legally included in my credit report. I am requesting a full investigation into these entries, and unless you can provide documented proof that I authorized these inquiries ( including my signature or application ), they must be removed from my credit file.

Please conduct your investigation within the required 30-day period as mandated by FCRA 611, and notify me in writing of the results. 
If the inquiries are found to be unauthorized, I request written confirmation of their removal and an updated credit report reflecting this correction. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2025-05-08 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: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-05-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Atlanticus Services Corporation
State: DE

Complaint narrative:
Account reporting on my credit file on XX/XX/XXXX ; however, this account was discharged XX/XX/XXXX due to bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: DC

Complaint narrative:
I sent {$250.00} to first progress bank I then requested to cancel and asked for a refund once I disagreed with their terms and conditions. That was XX/XX/XXXX. I was told XX/XX/XXXX a refund was initiated. I am then told XX/XX/XXXX a refund was made. I am now being told a check was sent out XX/XX/XXXX in waits of 3-5 business days. I have not received anything. I spoke to merchant and they are now saying the check was successfully delivered which is a lie, I asked for a confirmation of delivery and I did not receive one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
I am submitting this complaint so that this agency can not claim ignorance of my dispute.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
I am submitting this formal complaint against LexisNexis Risk Solutions / XXXX regarding the inaccurate, outdated, and unverifiable information maintained in my credit file. On XX/XX/XXXX, I submitted a dispute letter requesting the deletion or correction of multiple inaccurate addresses, names, employers, and collection accounts. LexisNexis has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not responding with evidence of verification or completing a proper reinvestigation. 

This failure to act has resulted in the continued presence of damaging data on my profile, impairing my financial opportunities and exposing me to risk of identity confusion or fraud. 

Disputed Items : Collections ( Unverified and Potentially Inaccurate ) : Creditor Name Account Number Issue XXXX  XXXX Inaccurate balance/dates ; unverifiable XXXX XXXXXXXX XXXX XXXX  XXXX XXXX and noncompliant reporting XXXX XXXX XXXX Inconsistent status ; unverified ownership XXXX XXXX XXXX No verification of debt or consent XXXX XXXX Unsupported charge-off status Personal Information Errors : Category Incorrect Entry Name XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX  XXXX XXXX, XXXX, MI XXXX Date of XXXX XXXX Employers XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX These entries are outdated, factually incorrect, and have no verifiable relationship to me. They were never substantiated by LexisNexis and remain in violation of XXXX XXXX  and CDIA standards.

Violations Identified : FCRA 1681e ( b ) : LexisNexis has failed to ensure the maximum possible accuracy of the consumer file.

FCRA 1681i ( a ) : No timely reinvestigation or resolution was conducted within 30 days.

FCRA 1681s-2 ( a ) : Continuing to furnish inaccurate information after notice from the consumer.

FCRA 1681b : Unauthorized or unexplained access to personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
b'I am writing to file a formal complaint against XXXX XXXX XXXX concerning the inaccurate and potentially unlawful reporting of a charge-off associated with account number XXXX XXXX XXXX XXXX which is currently appearing on my Experian credit report.\nAccording to 15 U.S.C.  1681e(b) of the Fair Credit Reporting Act (FCRA), consumer reporting agencies and furnishers of information have an affirmative legal duty to ensure the maximum possible accuracy of the data reported. XXXX XXXX XXXX is reporting this account as charged off despite having been paid in full. If the debt was indeed paid and subsequently charged off, this constitutes both double accounting and material misrepresentation.\nFurthermore, if XXXX XXXX XXXX wrote off this debt and claimed it as a tax loss, as implied by the charge-off status, I request a copy of the IRS Form 1099-C (Cancellation of Debt), as required by law. I have not received such documentation. If this form does not exist, the charge-off status is not substantiated and must be removed. If it does exist, then XXXX XXXX XXXX must cease further reporting of the obligation as delinquent or unpaid.\nIn addition:\nI paid the agreed-upon settlement amount to resolve this account in good faith; however, XXXX XXXX XXXX has accepted payment and continues to report the account negatively, harming my credit profile.\n\n\nThis reporting directly impacts my ability to obtain housing, and has caused financial and emotional distress.\n\n\nI am requesting immediate monetary relief, as well as deletion of the derogatory data from my credit file.\n\n\nRequested Actions:\nImmediate removal of the charge-off notation associated with XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX from my Experian credit report.\n\n\nA formal investigation into the legitimacy of this reporting.\n\n\nDelivery of any IRS Form 1099-C associated with this account.\n\n\nMonetary redress for inaccurate reporting that has harmed my ability to qualify for a mortgage and secure housing.'

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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: MD

Complaint narrative:
first became aware of this fraudulent account when I reviewed my credit report on XX/XX/year>. 
I respectfully request that the CFPB investigate this matter and ensure that the fraudulent account is 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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I am filing this complaint against the entities behind the Indigo Mastercard : Concora Credit Inc. ( California ), XXXX XXXX XXXX XXXX ( Oregon ), and XXXX XXXX  ( Utah ). These XXXX companies operate in coordinated but opaque roles that obscure accountability and deny consumers proper resolution options. 

After my XXXX account was closed, I continued to be charged interest and late fees despite having no access to dispute, negotiate, or even pay the debt fairly. Payments are still being accepted through the brand ( Concora ), while XXXX XXXX  claims to handle servicing, and XXXX XXXX  remains silent. This internalized collections system is weaponized to prevent debt resolution while continuing to report derogatory information to the credit bureaus. 

These entities appear to act with complacent connivance, each deflecting responsibility while enabling the continued financial exploitation of consumers. By not escalating to external collections, they ensure that I am denied the FDCPA protections I would otherwise have. This deprives me of basic rights like validation, negotiation, and the opportunity to settle or defend the debt. 

I made multiple attempts to request hardship accommodations and to settle. My account was locked, ignored, or rerouted with no transparency. The company has refused to acknowledge any resolution pathway. This structure is not simply negligent it is strategically abusive and designed to circumvent consumer protections through brand layering and jurisdictional complexity. 

The accounting continues post-closure, the fees accumulate, and the credit damage is ongoing despite no legitimate servicing or lawful collections process. This behavior reflects Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP ) and may warrant further investigation for racketeering-style activity across these affiliated entities. 

I request that the CFPB take regulatory action against this pattern, require full deletion of the negative tradeline, and audit the operational practices of Concora, XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
I have been a victim of identity the by XXXX XXXX XXXX, who still was not prosecuted by the courts in XXXX XXXX Florida. I still have debt collectors harassing me. I had a debt collector from Bull City Financial Solutions reach out to me about a fraudulent XXXX XXXX bill and account which was opened in my name in 2023 unauthorized, in which the person left a balance rounded to {$700.00} in my name!!!! I need them to quit harassing me and I WANT THIS ACCOUNT REMOVED AND CLOSED OUT OF MY NAME WITH XXXX XXXX AND BULL CITY FINANCIAL SOLUTIONS!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-08 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: FL

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
on XX/XX/year>, I received a text alert from Well Fargo followed by a call from a Wells Fargo XXXX. He told me there was suspicious activity on my checking account. He read off the transactions- some were good but ( XXXX ) were fraud. He said my account would be frozen and a new account opened. They were sending a representative by to cut & recycle my frozen debit card. I have on the phone with the rep & watched him cut the card in half. 
As added security I went online to make sure all cards were inactive. In all ( 5 ) transactions were attempted. 

{$990.00} tele transfered from savings to checking - funds are safe {$2900.00} tele transfered from credit card to checking as advance {$3900.00} tele transfered from credit card to checking as advance {$2700.00} - debit card charge at XXXX XXXX XXXX XXXX {$2200.00} - debit card charge at XXXX XXXX XXXX XXXX XXXX taken via debit card was {$4900.00} The following morning - at the Wells Fargo branch in XXXX XXXX, the REP confirmed all accounts closed & cards re-issued. 
A claim was opened & closed XXXX ) within one week

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law. 

I have found several inaccuracies and unauthorized inquiries on my consumer report and would lithe accounts updated effective immediately. Personal information. only the name. XXXX XXXX XXXX should be present on my consumer report I would like all of the following names removed. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX these names are aliases and do not accurately or lawfully. Identify me as a federally protected consumer please delete these incorrect names. 

Only the address XXXX XXXX XXXX XXXX XXXX, MO XXXX Should be present on my consumer report. This address is correct. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses .. the following addresses must be removed 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 XXXXXXXX these are non-Mail able addresses. I can not receive mail. I can not be contacted nor do I live here these addresses must be removed immediately In the I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law. 

I have found several inaccuracies and unauthorized inquiries on my consumer report and would lithe accounts updated effective immediately. Personal information. only the name. XXXX XXXX XXXX should be present on my consumer report I would like all of the following names removed. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX these names are aliases and do not accurately or lawfully. Identify me as a federally protected consumer please delete these incorrect names. 

Only the address XXXX XXXX XXXX XXXX XXXX, MO XXXX Should be present on my consumer report. This address is correct. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses .. the following addresses must be removed 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 XXXXXXXX these are non-Mail able addresses. I can not receive mail. I can not be contacted nor do I live here these addresses must be removed immediately In the I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. these institutions. I do not know where this information came from. Please remove this incorrect information 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 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland Credit Management violating my Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Act ( CFPA ), and other relevant regulations under case number No. XXXX vs Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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 recently reviewed a copy of my credit report after coming back from overseas and not checking it for a long while. I had come to find out that my personal information was used to create several accounts and even take out leases and car loans for places I have never lived and cars i wouldn't ever buy. Please remove these fraudulent accounts from my report as they are hurting my ability to obtain 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 explanation