vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: PA

Complaint narrative:
I am writing to dispute certain negative items on my credit report, which I obtained from your bureau. Below are the items I would like you to review and take appropriate action on : XXXX. Delinquent Accounts : o XXXX  XXXX ( Account Number : XXXX ) : This account is marked as delinquent. Please verify if this status is accurate and update the report accordingly. 
o XXXX XXXX ( Account XXXX : XXXX ) : This account is also marked as delinquent. Please confirm the accuracy of this entry. 
XXXX. Derogatory Accounts : o XXXX XXXX ( Account Number : XXXX ) : This account is listed as derogatory. I request verification and investigation into this entry. 
o XXXX XXXX ( Account XXXX : XXXX ) : This account is marked derogatory. Please review this entry for accuracy. 
o XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX ) : This account is listed derogatory. Please verify if this account is being reported correctly. 
XXXX. Inquiries : o There are XXXX inquiries listed on my report from the past XXXX years. Please verify the accuracy of these inquiries and confirm that they were made with my consent. 
XXXX. High Utilization : o XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX ) : XXXX of my credit accounts is showing 81 % utilization with a balance of {$4400.00} on a {$5500.00} limit. Please confirm that this balance is accurate.

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 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint because all three major credit reporting agencies XXXX, XXXX, and XXXX  are continuing to report a civil judgment that was dismissed with prejudice by a Texas court, which makes the reporting inaccurate and unlawful under the Fair Credit Reporting Act ( 15 U.S.C. 1681c and 1681s-2 ). 

The record concerns Bank of America , N.A . v. XXXX XXXX XXXX, Cause No. XXXX, filed in the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas. The matter was dismissed with prejudice on XX/XX/year>, by XXXX XXXX XXXX, permanently barring Bank of America from refiling or enforcing the claim. A prior order from XX/XX/year>, also dismissed the same matter for want of prosecution with prejudice. Both certified orders are attached. 

Despite this final judicial disposition, Bank of America has re-reported this judgment multiple times, and the credit bureaus continue to display it as an active or valid civil judgment. This violates the FCRAs duty to report only accurate and verifiable information, as well as Texas Finance Code 392.202, which prohibits the continued furnishing of erroneous credit information after notice of dispute and judicial dismissal.

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Carmichael & Frost LLC
State: NY

Complaint narrative:
XXXX XX/XX/year> XXXX XXXX we are sending out a XXXX XXXX XXXX to your business and home address to gather an organized list of assets. This is needed to initiate the process of monetizing the assets you pledged under your security agreement. Please reach out to me to schedule a time. If no time is scheduled they will arrive unannounced. Also, today I initiated the process of freezing and attaching all bank accounts currently tied to you. XXXX XXXX Carmichael and Frost For help, reply HELP. To opt out, reply STOP. 



After asking multiple questions as in, what debt? Who the company is? XXXX.. 
I received further threat : We are a lien enforcement agency that's been retained by XXXX XXXX. As you know, you defaulted on a XXXX XXXX XXXX they granted you. We are proceeding with all the liquidation remedies you accepted in your security agreement per Article XXXX of the XXXX XXXX XXXX. Please contact me by close of business tomorrow to schedule a time for the XXXX enforcement team to arrive. If I don't hear from you, I will instruct them to arrive unannounced. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: WA

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, Current Bank restricted my access to my checking account, which held a balance of {$1600.00}. According to Current Bank 's communications, this restriction was due to a periodic review of member accounts for " safety and security purposes. '' On XX/XX/year>, Current Bank requested the following documents : a non-expired ID, a selfie with my ID, and the most recent XXXX  statement from my XXXX XXXX XXXX XXXX account ending in XXXX. I submitted all the requested documents promptly. 

Despite providing all the requested documentation, Current Bank has continued to restrict my access to my funds. I have contacted their support team multiple times via email, requesting updates and clarification. However, the responses have been generic and have failed to provide a specific reason for the continued restriction or a timeline for resolution. In an email dated XX/XX/year>, Current Bank stated that the review period may take up to 60 days. 

I believe Current Bank 's actions are unjust and harmful. Blocking access to my funds without providing a clear explanation or a reasonable timeframe for resolution has caused me significant inconvenience and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding SYNERGETIC COMMUNICATION in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect. 

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the SYNERGETIC COMMUNICATION containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Texas Without proof of ownership or a chain of title, SYNERGETIC COMMUNICATION has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account.

2. Cessation of all collection activity unless and until full validation and legal standing are established. 

XXXX. A complete investigation by your agency into SYNERGETIC COMMUNICATION 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector : SYNERGETIC COMMUNICATION Original Creditor : XXXX XXXX XXXX Alleged Account Number : # XXXXXXXX XXXX XXXX  Date of alleged charge-off or transfer : [ Month/Year ] Date of collector 's first contact : [ Month/Year ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) (
B ) ( i ) ( 3 ). 
CXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - the inquiry was not authorized.

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 2025-11-11 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: NC

Complaint narrative:
I am submitting this dispute to address inaccuracies reported on my credit file. Below are the items that I believe require correction : INQUIRIES : XXXX XXXX XX/XX/year>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 2025-11-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
I applied for a line of equity. The loan XXXX XXXX XXXX XXXX # XXXX Lakeview Loan Servicing , LLC ( NMLS # XXXX ). After having to reach out multiple times just to find any information out we were approved signed online, went to put in our banking information and then was denied. We called XXXX. XXXX had no idea what was wrong said he would get with his XXXX who never reached out. We called back and were given a number and told it has to be fixed on the backside of things. They said XXXX should know this is not how it work and called him back, same answer he didnt know! I want to make sure this is correct and so nobody else has to go through this again.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-11-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I looked up the best collection name found it in the web called and he promised me he could help for XXXX something felt off so I put it in chat gpt and found out he was lying but I gave him my name last XXXX of ssn address and my XXXX XXXX card and I want yo repost it before it goes father but I did not pay the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
I am writing to dispute the following information on my credit report that I believe is inaccurate : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL ) o Account Status : Placed for Collection o Balance Owed : {$700.00} o Status : Derogatory I request that this account be verified. If it is found to be inaccurate, it should be removed from my credit report. 
XXXX. XXXX XXXX o Account Status : Collection/Chargeoff o Balance Owed : {$600.00} o Status : Derogatory This account may not be reported correctly. I kindly ask for an investigation to be initiated.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Santander Consumer USA is misrepresenting key details on my credit report. They are reporting an incorrect balance, failing to account for payments I made in XXXX and XX/XX/year>, misrepresenting the amount back due, and inaccurately showing late payments. This false reporting does not reflect my actual account history and is harming both my credit report and my personal reputation. Despite my disputes and providing documentation, Santander continues to publish inaccurate information, and I am requesting that the CFPB intervene to ensure these errors are corrected and the account is removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
XXXX  # XXXX This account is erroneously listed and needs to be removed immediately. 
XXXX XXXX XXXX # XXXX This account is erroneously and needs to be removed immediately XXXX  # XXXX This account is erroneously and needs to be removed immediately XXXX XXXX  XXXX XXXX This account is erroneously and needs to be removed immediately XXXX/XXXX  # XXXX This account XXXX erroneously and needs to be removed immediately. 
XXXX # XXXX This account is erroneously and needs to be removed immediately XXXX  # XXXX This account is erroneously and needs to be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
XXXX  # XXXX This account is erroneously listed and needs to be removed immediately. 
XXXX XXXX XXXX # XXXX This account is erroneously and needs to be removed immediately XXXX  # XXXX This account is erroneously and needs to be removed immediately XXXX XXXX  XXXX XXXX This account is erroneously and needs to be removed immediately XXXX/XXXX  # XXXX This account XXXX erroneously and needs to be removed immediately. 
XXXX # XXXX This account is erroneously and needs to be removed immediately XXXX  # XXXX This account is erroneously and needs to be removed immediately

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 2025-11-11 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief