vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I am filing a NEW complaint against Bank of America regarding a reported account that continues to appear on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX despite my formal identity theft claim and submission of an FTC Identity Theft Report ( # XXXX ). 

On XX/XX/year>, Bank of America mailed a generic response stating they confirmed the information is correct and consider this resolved. However : The response failed to acknowledge or respond to my identity theft filing They provided no documentation, proof of authorization, or any signed application No explanation of their reinvestigation under FCRA 611 ( a ) ( 6 ) was included They have ignored all follow-up emails and communications since XX/XX/year>, when a representative ( XXXX XXXX XXXX initially reached out.

Under FCRA 605B, Bank of America is required to block the tradeline unless they can verify it with supporting evidence. No such evidence has been provided. The letter was dismissive, non-compliant, and caused continued credit and banking harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
These accounts are being reported in my name without my knowledge or consent, and I have never opened, authorized, or managed them. This is entirely unacceptable, as it reflects inaccurate and misleading information about my financial history. I take the integrity of my credit profile very seriously, and the presence of these unauthorized accounts is deeply concerning. I request immediate clarification regarding the origin of these accounts and the party responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2025-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Key Violations & Contract Manipulation Buyers Order & Contract Alterations : XXXX sent me an unsigned version of the contract and buyers order via email on XX/XX/XXXXXXXX XXXX days after the actual signing with a notary on XX/XX/XXXX. The version submitted to regulators contained initials and signatures that were absent from my copy, proving document tampering. Bait-and-Switch Transport Fraud : XXXX initially agreed to pay for closed transport, but secretly charged me for it, then delivered the vehicle via open transport insteada blatant case of deceptive billing. Repossession Deception : XXXX failed to collect my trade-in for XXXX XXXX  before wrongfully repossessing it, rather than following standard collection procedures. This suggests neglect, mismanagement, or intentional financial harm. 
Key Corporate Failures & Internal Cover-Up XXXX XXXX  Abrupt Departure : On XX/XX/XXXX, after receiving the unsigned contract copy, I immediately tried to contact XXXX XXXX XXXXXXXX XXXX XXXX regarding the discrepancies and altered contract terms. He delayed answering and told me to call back the next day ( XX/XX/XXXX ), but he mysteriously was no longer with XXXX that day. XXXX XXXX Sudden Exit : XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, also left the dealership the same day. Their departures strongly suggest corporate awareness of fraudulent practices. XXXX XXXX must clarify why both individuals left after fraud allegations surfaced. XXXX XXXX  Payoff Reversal : When XXXX attempted to pay off the trade-in loan, I contacted XXXX XXXX to stop the transaction, citing deceptive practices. XXXX reversed the payoff, proving misconduct on XXXX XXXX XXXX and Ally Auto still pushed the fraudulent transaction through anyway. 
Ally Autos XXXX Investigation Failure & Collusion Ally Auto strung me along for months, failing to communicate and ignoring documented fraud. Despite my repeated attempts to cancel the transaction, Ally Auto deliberately stalled and then falsely claimed my account was not fraud-relatedlikely colluding with XXXX. Investigators avoided direct contact, ignored emails, failed to respond to requests for updates, and ultimately placed full financial burden on me, despite clear fraudulent actions by XXXX. 
XXXX Factual Contradictions in Corporate Response False claim that my refund check was never issued I have proof of the refund check, contradicting XXXX  official statement. False delivery date claim XXXX  legal counsel claimed XX/XX/XXXX, but I have texts from XXXX sales representatives and the transport company proving delivery occurred on XX/XX/XXXX. Fabricated repossession justification XXXX  failed to collect the trade-in for XXXX XXXX, then wrongfully repossessed it, despite failing to retrieve it through proper channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Identity theft still on my credit and still getting calls from collections they all said close but still setting up there on my credit and every time I call to get answers nobody not really telling me anything but oh I have to pay this and that and it just missing up my credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that you investigate these accounts and remove or correct any unverifiable, outdated, or inaccurate information. 
Below are the accounts I am disputing : 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 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 Please complete an investigation of these items and notify me of the results. If any of these items can not be verified within the required time frame under the FCRA, I respectfully request that they be deleted from my 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
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My account was shut down because a fraudulent check was deposited. I never deposited the check. I have never even attempted to deposit a check into my account. My account was hacked. Now they are trying to blame me. If they did research they would be able to see where the login happened from - in order to deposit the check

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely 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 non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as 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 explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as 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 explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The only address on my credit report should be XXXXXXXX XXXX XXXX XXXX XXXX XXXX Texas. My name is only XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint because SECURITY SERVICE FCU is reporting an account on my credit report that is fraudulent, unverified, and inaccurate. The account is listed under account number XXXX, and shows as opened on XX/XX/year>. I have no knowledge of this account and have never entered into a financial agreement with SECURITY SERVICE FCU. I did not authorize this account, and I believe it may be the result of identity theft or a reporting error.

I have submitted disputes to both the credit bureaus and XXXX XXXX XXXX directly. My dispute packet included : An FTC Identity Theft Report A copy of my government-issued photo ID Proof of current address These documents satisfy all requirements under the Fair Credit Reporting Act ( FCRA 605B ). Despite my compliance, the account continues to be reported, in violation of the following laws and standards : FCRA 605B ( a ) Requires deletion of identity-theft-related information within 4 business days of receiving valid documentation. FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting inaccurate or unverifiable information. FCRA 623 ( b ) ( 1 ) Requires a reasonable investigation and correction or deletion of disputed data within 30 days. XXXX XXXX XXXX Guidelines The account should be marked with code XB during dispute and DA for deletion if unverifiable or fraudulent. The continued presence of this fraudulent, unverified, and inaccurate account is negatively impacting my credit and violates federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
Subject : Formal Complaint Regarding Unethical Lending Practices, Appraisal Misconduct, and Unprofessional Conduct by Cross Country Mortgage Description of What Happened : In XX/XX/year>, I applied for a DSCR ( Debt Service Coverage Ratio ) mortgage through Cross Country Mortgage to purchase a property located at XXXX XXXX XXXX, XXXX, NJ. My experience with Cross Country Mortgage, and specifically Senior Vice President XXXX XXXX, has been unprofessional, unethical, and potentially deceptive.

I was issued an appraisal that grossly undervalued the market rent at $ XXXX, producing a DSCR of 0.78, far below the threshold of 1.0. This faulty calculation triggered : A sudden requirement for an additional 5 % down payment, totaling 30 % of the purchase price.

A 2.3 point surcharge, amounting to {$9500.00} payable at closing.

A continued high interest rate of 7.375 % despite the newly imposed terms.

I conducted a detailed rental market analysis using XXXX XXXX XXXX and comparable property listings, which clearly showed that similar single-family homes in the XXXX area rent for {$3500.00} $ XXXX. However, the appraiser used inappropriate comparables, including rental units in two-family houses, which misrepresented the true market value of the property as an investment. 

Additionally, I was never informed during the application process that a DSCR loan requires the creation of a legal entity ( XXXX or corporation ) to proceed a critical disclosure that was only made after financial terms had changed. 

When I attempted to address these issues with Cross Country Mortgage, I received a hostile and unprofessional response from XXXX  XXXX, who wrote via email : We are not the appraisal company. We are the lender Do not ever contact me again. Do not ever contact my team again. 
( Email from XXXX  XXXX, XX/XX/year>, XXXX AM ) In addition, the appraisal fee and processing charges were not refunded, despite the clear failure of duty and ethical standards on the part of Cross Country Mortgage and its representatives. 

Actions Taken by Me : I emailed XXXX XXXX multiple times requesting a refund and clarification. 

I performed an independent rental analysis to challenge the appraisal. 

I requested legal contact information from Cross Country Mortgage, which was ignored. 

I received confirmation that my loan file was canceled unilaterally after I raised objections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 explanation