vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I'm aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies as required by federal law. 
Recently, the consumer financial protection bureau found a lawsuit against all credit Bureaus for his failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices as outlined by the CFPB include. 

Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously Disputes and inaccurate information without explanation, failing to notify consumers about investigation results effectively. 

These allegations highlight systematic issues that directly undermine consumer protection and perpetuates the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mis handled in similar manner. Please. 
Review the inaccurate information being reported under the FCRA, you are required to conduct proper investigations. Accounts must be accurate on all credit reports reporting ACCURATELY. When reviewing my report there are many inaccuracies reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I'm aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies as required by federal law. 
Recently, the consumer financial protection bureau found a lawsuit against all credit Bureaus for his failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices as outlined by the CFPB include. 

Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously Disputes and inaccurate information without explanation, failing to notify consumers about investigation results effectively. 

These allegations highlight systematic issues that directly undermine consumer protection and perpetuates the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mis handled in similar manner. Please. 
Review the inaccurate information being reported under the FCRA, you are required to conduct proper investigations. Accounts must be accurate on all credit reports reporting ACCURATELY. When reviewing my report there are many inaccuracies reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO credit card formerly XXXX XXXX XXXX  credit card account was closed by BMO without notice. My card was declined when i called customer service they told me the account was closed as per agreement they can close any account any time. 
I requested further information but they only said we can close any account any time. 
When i further inquired on the internet lots of people who were formerly XXXX XXXX XXXX  account holders moved to BMO after them acquiring the former are in similar situation, accounts closed without any notice. I have good credit score and always made payments on time on my credit card account so i do not deserve to lose the account without any reason. It hurts my credit score. I need an explanation from them for making such decisions. Is that a politically motivated move based on whats going on right now or what? Why are they targeting customers in US? or it just the XXXX XXXX XXXX transferred customers?

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 2025-04-18 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: GA

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

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 2025-04-17 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: GA

Complaint narrative:
My credit report contains incorrect address information that needs to be removed. I have attached supporting documents to verify my request, and I urge you to update my records accordingly. Please prioritize this matter and remove these inaccurate addresses 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 non-monetary relief
Consumer complaint received 2025-04-18 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
This morning, I discovered some incorrect accounts listed on my credit report, and I dont understand how they got there. I routinely review my credit report, but this time I noticed unexpected errors. I even refreshed my browser thinking it might be a temporary issue, but nothing changed. These accounts remained, so I kindly request that the documents I submitted be reviewed carefully to prevent this from happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
The company responded to my original identity theft complaint with a generalized statement that did not rebut or address any of the material allegations raised in my affidavit or FTC Identity Theft Report. They failed to provide proof of legal authority to possess or furnish my private information, did not verify the account as required, and falsely claimed that disputes could not be submitted through the CFPB because the CFPB was a third party. This is not a debt disputeit is a formal notice of violations under Kansas identity theft law and federal privacy statutes. Their response does not meet any legal standard and was not a lawful rebuttal. A full rebuttal is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon viewing my credit report, transunion did do the right thing and remove/block the fraudulently reported accounts, except one. However, XXXX XXXX Should be removed immediately. Considering I have no way to dispute via transunion, and Experian, as I'm blocked out. I have no way of providing documents and information that are essential to an ongoing investigation. They ( XXXX XXXX XXXX have engaged in harassment, as well as potentially violating the FCRA guidelines XXXX Attached you will find a notice from them agreeing to deleting the tradeline/account, and the reporting of it. In addition, equifax, and experian have removed them, due to fraud. You can see this in the evidence files, if the other credit bureaus are actively removing/blocking this, it means the claims are valid, and they very much are. Please see documents attached, Experian on the other hand, I thank you for removing the fraudulent accounts, and helping. Experian, I do request you please remove the affirm account ( XXXX ), totaling a massive {$32.00} dollars unpaid. Why in the world would I hypothetically, not pay only {$32.00} dollars, for months, when {$32.00} can be settled and closed within a day for most consumers, then creating zero negative impact to my credit. That amount of debt is negligible which I claim absolutely no responsibility for, if it was I'd have paid {$32.00}, and closed the account the day later. The other affirm account there, was closed and paid, which, was mine. I also request you remove the kikoff account. Once again, totaling {$120.00} in debt, which is negligible, and indicative of a pump and dump credit booster account. ( CLDCSWXXXX ) It only further provides evidence of fraudsters likely using a combination of my cards, XXXX to pay the debt off so they could keep spending, credit boosting apps like XXXX to manipulate my credit score allowing further extensions of credit, and pay in 4 apps to maximize fraudulent activity. In addition, I received in the mail again, just a week or two ago, about yet another data breach exposing my social security number. Please remove these accounts.

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 2025-04-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXXXXXX 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

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 2025-04-18 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: MD

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX DOB XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. 

Thanks, Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX XXXX  Account opened : XX/XX/XXXX Amount owed : {$140.00} Inquiries Account name : XXXX XXXX  Account Opened : XX/XX/XXXX Account name : XXXX  XXXX XXXX  XXXX  Account Opened : XX/XX/XXXX 3.Account name : XXXX XXXX Account Opened : XX/XX/XXXX 4.Account name : XXXX XXXX XXXX  Account Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
I am disputing a charged-off secured credit card account from XXXX XXXX that is reporting inaccurately on my credit reports. I have submitted formal disputes to the credit reporting agencies under my rights through the Fair Credit Reporting Act ( FCRA ) and I am now escalating the matter to the CFPB for further investigation. 

Here are the specific concerns : The account is listed as charged off, but this was a secured card backed by a deposit. If the security deposit was used to cover the balance, the amount charged off is inaccurate. 
I have not received any documentation or itemization of how the charge-off amount was calculated or how/if my security deposit was applied. 
No written notification of the impending charge-off was provided. 
I requested verification and a detailed breakdown from the credit bureaus and/or XXXX XXXX XXXX but have not received a proper response within the legally mandated time frame.

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 2025-04-17 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: CA

Complaint narrative:
I am disputing a charged-off secured credit card account from XXXX XXXX that is reporting inaccurately on my credit reports. I have submitted formal disputes to the credit reporting agencies under my rights through the Fair Credit Reporting Act ( FCRA ) and I am now escalating the matter to the CFPB for further investigation. 

Here are the specific concerns : The account is listed as charged off, but this was a secured card backed by a deposit. If the security deposit was used to cover the balance, the amount charged off is inaccurate. 
I have not received any documentation or itemization of how the charge-off amount was calculated or how/if my security deposit was applied. 
No written notification of the impending charge-off was provided. 
I requested verification and a detailed breakdown from the credit bureaus and/or XXXX XXXX XXXX but have not received a proper response within the legally mandated time frame.

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 2025-04-17 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:
I am disputing a charged-off secured credit card account from XXXX XXXX XXXX XXXX reporting inaccurately on my credit reports. I have submitted formal disputes to the credit reporting agencies under my rights through the Fair Credit Reporting Act ( FCRA ) and I am now escalating the matter to the CFPB for further investigation. 

Here are the specific concerns : The account is listed as charged off, but this was a secured card backed by a deposit. If the security deposit was used to cover the balance, the amount charged off is inaccurate. 
I have not received any documentation or itemization of how the charge-off amount was calculated or how/if my security deposit was applied. 
No written notification of the impending charge-off was provided. 
I requested verification and a detailed breakdown from the credit bureaus and/or XXXX XXXX XXXX but have not received a proper response within the legally mandated time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
There are fraudulent items listed on my credit report from which I received no benefit and to which I never consented. I have already reported this identity theft to the Federal Trade Commission, yet these items remain unresolved and continue to damage my credit profile. This issue demands immediate attention and 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