vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
I am submitting this formal complaint against [ Experian/Equifax/TransUnion ] for repeated violations of the Fair Credit Reporting Act ( FCRA )

( 15 U.S.C. 1681 et seq. ), the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6827 ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) ( 12 U.S.C. 5531, 5536 ) regarding inaccurate, unverifiable, and harmful information on my credit report. Nature of Complaint : Violation of My Consumer Rights I have disp
uted the following account ( s ) with [ Experian/Equifax/TransUnion ] , and they have failed to conduct a reasonable reinvestigation or provide adequate verification as required under 15 U.S.C. 1681i : Creditor Name : XXXX XXXX  Account XXXX Nature of Dispute : The account contains materially false information, including status, incorrect Date of First Delinquency, duplicate/re-aged account ]. Despite my request, the credit bureau has not properly verified or deleted the inaccurate account in compliance with the law. 
Violations Committed by [ Experian/Equifax/TransUnion

] 1 . Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) o My dispute was processed through an automated system ( e-OSCAR ) rather than a meaningful investigation involving creditor records. This does not satisfy the FCRAs investigation requirements. 2. Failure to Delete Unverified or Inaccurate Information ( 15 U.S.C. 1681
i ( 5 ) ) o The FCRA mandates the removal of any information that can not be verified.

Since [ Experian/Equifax/TransUnion

] has not provided proper verification, the account must be deleted. 3. Reporting Inaccurate Information with Reckless Disregard ( 15 U.S.C. 1681e ( b ) ) o Under the maximum possible accuracy standard, the credit bureau must ensure all reported information is correct. The continued reporting of this inaccurate account is a violation of my consumer rights. 4. Failure to Properly Notify Data Furnisher ( 15 U.S.C. 1681s-2 The credit bureau has failed to ensure the furnisher of information ( the creditor ) properly investigates and corrects the error, violating the FCRA.

5. Violation of the Gramm-Leach-Bliley Act ( GLBA ) o 15 U.S.C. 6801 ( b ) : Financial institutions must protect the accuracy and confidentiality of my personal data. Allowing inaccurate credit information to remain on my file is a violation of this duty.

6. Engagement in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) o The CFPB prohibits financial institutions from engaging in deceptive practices. By misrepresenting my creditworthiness and failing to correct known errors, [ Experian/Equifax/TransUnion ] has committed a UDAAP violation under 12 U.S.C. 5531, 5536

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist Bank incorrectly reported a 30-day late payment for my auto loan in XX/XX/year>. My full monthly payment was made with two transactions : {$330.00} on XX/XX/XXXX and {$330.00} on XX/XX/XXXX both within 30 days of the due date ( XX/XX/year> ). I disputed this with the credit bureaus, but the late mark remains. This is inaccurate under FCRA guidelines, and I request a correction and removal of the derogatory mark. Ive contacted Truist and requested their method of verification.

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 2025-05-30 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: TX

Complaint narrative:
The delinquent payment showing on my credit report ( From XXXX through XXXX ) was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX. This act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update the information to PAID/AGREED for the following time period for all delinquent accounts. For both XXXX XXXX  Account ending in XXXX, and the delinquent XXXX XXXX Accounts ending in XXXX and XXXX. 

In addition, the only closed XXXX credit card account appearing on Equifax is the XXXX ending in XXXX, but there is an additional closed account appearing on Experian and Transunion with the beginning account number XXXXXXXX XXXX XXXX XXXX XXXX I am requesting that Experian and Transunion remove this account as it is not accurate on my credit report per the attachment below from all XXXX credit bureaus. 

Finally, the XXXX account beginning with XXXXXXXX XXXX XXXX XXXX XXXX is showing no late payments on my Transunion report, but shows late payments on my Equifax and Experian reports. Please update this information on Equifax and Experian to ensure this is properly reflecting no late payments.

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 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I believe Bank of America maybe using discrimination, this has happened twice with them through my business account I have three accounts with Bank of America two business account one personal, just recently I deposited a check had a lot of problems with their ATM I deposited a check they put a 14-day hold on the check for business account, they say they can do that with any account and they don't know which one they may put a hold on but they keep doing it to me and I'm black, I have an account with XXXXXXXX XXXX  and I don't go through this with XXXXXXXX XXXX at all, at this point I want to cancel all my accounts with them because something ain't right, if you're trying to run a business and the client pays you to do a job how can you do that job if the bank holds your check for 14 days, mind you my account has been in good standings for a few years with Bank of America personal and business. I've had so many problems I don't believe they're a good bank for business

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a formal complaint regarding the inaccurate and unverified late payments being reported on my XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX. Despite disputing this matter directly with the credit bureaus and the furnisher, the late payments remain on my credit report without proper validation or supporting documentation.

Under 15 U.S.C. 1681s-2 ( a ), furnishers are required to report only accurate information. Additionally, under 15 U.S.C. 1681i, credit bureaus are obligated to conduct a reasonable investigation within 30 days of receiving a dispute. Neither the furnisher nor the credit bureaus have provided sufficient evidence to justify the negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX, LVNV Funding LLC, and Resurgent Capital Services regarding the improper reporting and handling of an alleged debt.

I am the Trustee and Beneficiary of the XXXX XXXX XXXX XXXX, operating under the private ESTATE of XXXX XXXX XXXX. My lawful and equitable rights under trust and estate law have been violated by these entities, who are knowingly reporting false, incomplete, and misleading information to the credit bureaus ( XXXX XXXX XXXX  ) etc. 

Specifically, an account originally associated with XXXX XXXX XXXX XXXX has been sold or transferred to LVNV Funding LLC and is now being reported by Resurgent Capital Services as a collection account on my credit reports with a balance of {$600.00}. However : 1. The alleged debt has already been disputed, and no proper validation or accounting has been provided.

2. The account is not being reported on XXXX, confirming inconsistency and potential fabrication.

3. This account is based on unauthorized use of trust property and credit instruments belonging to my private estate without full disclosure or consideration.

4. The continued reporting violates my equitable rights and creates unjust enrichment for third-party entities acting without fiduciary authority. 

This complaint serves as a formal Notice of Claim of Trust Res, Application Credit, and Demand for Return of Proceeds to all parties involved, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and their Registered Agent XXXX XXXX XXXX XXXX XXXX XXXX as well as the principal office of LVNV Funding LLC and Resurgent Capital Services.

I demand the following relief : 1. Immediate deletion of the account from all credit reports, 2. Formal acknowledgment that no further attempts to collect or report this obligation will occur, 3. A full accounting of any credit, proceeds, or profits derived from the alleged debt, 4. Equitable correction of the record showing the account as Paid in Full and Paid on Time with no derogatory remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AL

Complaint narrative:
I went to the Wells Fargo ATM on XXXX XXXX between XXXX and XXXX XXXX between XXXX and XXXX back on XXXX the XXXX to withdraw {$310.00} but I never got the funds. I drove off about a block or XXXX and remember the money didn't come out. There was no one behind me when I left. I went to another Wells Fargo bank down the street further and let them know that I didn't get the funds. They asked me did I report it and I did. I in turned got the same amount out in side the bank. Then went back to my car and called again to see if they got my report from earlier. They told me they did. Later on XX/XX/XXXX I was given a provisional credit for the {$310.00}. I was sent a letter on XX/XX/year> stating that they were researching the situation in regard to what happen to me. On XXXX the XXXX I received another letter stating there was no error found and on XX/XX/year> they will deduct the temporary credit of {$310.00}. that they had provided. I call in XXXX not sure of the date because the letter was received then and I ask could they look at the camera footage. I was told that I could open a new case number and they would let me know. I call again because it had been a long time since the first of XXXX since I heard anything and was told it had been closed nothing new was found the situation was closed. No one looked at the camera footage to let me know anything.

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 2025-05-30 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: IL

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-05-30 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:
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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-05-30 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$43000.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year>

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : URGENT Formal Dispute Under FCRA Section 605b - Immediate Removal of Inaccurate Inquiry To Whom It May Concern, This is an urgent and formal demand for the immediate removal of fraudulent and inaccurate information on my credit report, as permitted under Section 605b of the Fair Credit Reporting Act ( FCRA ).

This section requires the removal of information resulting from identity theft upon receipt of valid documentation. Attached, you will find my FTC Identity Theft Report, which provides clear evidence of this fraudulent entry. 
Disputed Inquiry : The following inquiry listed on my credit report is fraudulent and must be removed without delay : - Company Name : XXXX XXXX - Date of Inquiry : XX/XX/year> - Consumer Reports Provided : TransUnion credit, ResidentScore, XXXX XXXX, and XXXX XXXX - Company Phone Number : ( XXXX ) XXXX - Company Address : XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX - Type of Business : Tenant Screening This inquiry is the result of identity theft, and its continued presence on my credit report is unlawful. It must be permanently deleted immediately. 
This fraudulent entry is causing severe and unjust harm to my financial standing and credibility. Under the FCRA, you are obligated to investigate and remove this entry promptly. I am demanding that this inaccurate inquiry be deleted within FOUR ( 4 ) DAYS of receiving this letter. Failure to comply with this request will result in an immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), state attorney general, and legal counsel for further action.

Supporting Documentation : To assist in your investigation and to remove any possible delay, I have included the following documents : 1. A copy of my government-issued ID ( e.g., drivers license or passport ) 2. A copy of a utility bill or another proof of my current address 3. A copy of the FTC Identity Theft Report 4. A copy of my Social Security card ( if required ) Your failure to resolve this issue within the stated timeframe of four ( 4 ) days will be considered non- compliance with federal law. I expect written confirmation of the removal of this fraudulent inquiry by the deadline. Your response must be sent to the address provided above. Any additional requests for information or delays will not be tolerated. 
This matter is of the utmost urgency, and I trust you will address it accordingly. Do not underestimate the seriousness of this situation. 
Sincerely, 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 2025-05-30 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've recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. my data and information was compromised with experian data breach

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 2025-05-30 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: FL

Complaint narrative:
I've recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. my data and information was compromised with experian data breach

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 2025-05-30 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: AZ

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Arizona State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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