vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I opened a business checking account with Bank of America on XX/XX/year>. The advertised welcome bonus for a new account was {$200.00} on the condition of a {$5000.00} deposit. I met the terms but didn't received the advertised offer. I called the customer service. I was advertised that I would receive a response within a week but I never did.

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 2025-09-12 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
In 2021, United Wholesale Mortgage ( UWM ) and its XXXX XXXX XXXX, XXXX XXXX engaged in appraisal fraud tied to my property ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
Fraudulent Appraiser : XXXX  XXXX  assigned the appraisal to XXXX XXXX under the dissolved entity XXXX XXXX XXXX. 
Illegal Payment : The appraisal was paid for with UWM XXXX XXXX XXXX XXXX XXXX XXXX XXXX card, violating DoddFranks appraisal independence rules. 
Manipulated Value : The appraisal used false comparables and excluded higher-value sales to intentionally undervalue the property. 
Unlawful Price Adjustment : After the fraudulent appraisal, UWM and the buyers agents attempted to reduce the signed contract price ( {$440000.00} with an appraisal guarantee clause ) to the lower appraised value ( ~ {$410000.00} ). 
Federal Violation : This is a direct violation of 15 U.S.C. 1639e and Regulation Z, 12 C.F.R. 1026.42, which prohibit coercing appraisers, misrepresenting value, or adjusting sales prices based on manipulated appraisals. 

As a result, I lost use of my property, suffered liens and sanctions exceeding {$34000.00}, and was deprived of home equity. This was not a clerical error but a systemic scheme by UWM and XXXX  XXXX  to use fraudulent appraisals to alter sales contracts and strip homeowners of equity.

I request that CFPB investigate UWM and XXXX XXXX, impose civil penalties, require restitution, and refer for potential DOJ fraud prosecution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: OH

Complaint narrative:
I have been a victim of multiple data breaches and as a result I have been a victim of identity theft. I have reached out to Experian to try to get help in the past but I was not able to speak to anyone that could help me.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am disputing the tenant screening and personal information listed on my XXXX  file. The information is inaccurate and/or not verifiable. Under the Fair Credit Reporting Act, I am requesting that XXXX  investigate, correct, or remove this information from my report. Please provide me with written confirmation of the results within 30 days.

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 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: SC

Complaint narrative:
My son passed away on XX/XX/year>. I contacted XXXX XXXX on XX/XX/year> to pay off his loan and they walked me through how to submit the death cert and power of attorney. I immediately submitted the information and then proceeded to pay off the loan in full. XXXX XXXX assured me that they would contact XXXX XXXX and have the title released. 
On XX/XX/year> I received an official notice from XXXX XXXX stating the account was paid in full and a Lien Clearance letter. I waited another week for the title and did not receive the title. I contacted XXXX XXXX  and they said the XXXX had not been released. 
A couple weeks later, I reached out to XXXX XXXX and the title was not released. South Dakota gave me the instructions to have XXXX XXXX release the title. I provided the details and asked to speak to a manager they told me I had to wait for a manger to call me back and they would research it. They needed three more days. I never received a call... 
XX/XX/year> I called XXXX XXXX and explained the situation again and they would not talk to me until I sent the death cert and power of attorney, for the second time. I am told by customer service that the car does not have an electronic title in their system and everything looks good. I re-explain that the car was title in SD and SD says it has an electronic title and that they needed to release the title with SD. I am told that XXXX financial records are wrong and they need time to resolve. I am told that they need until XX/XX/year> to research the issue. I ask to speak to a manager and I am told that they call you back if they decide to. I never receive a call... 
XX/XX/year> I call back and I am told everything looks good on the account. That the car has a paper title. I explain the situation again. I ask to speak to a manager and I am told that the managers decide who to call back and they would need 48 Hrs to return a call. I explain that this has been too long and that I would call every 5 minutes until I get a call back from the manager. I made maybe 5 more calls each time left message for manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: CA

Complaint narrative:
Paid for self employment and the check was deposited they charged e multiple overdraft charges and then deducted XXXX $ and close my account that I receive direct deposit with.

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 2025-09-12 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : UNAUTHORIZED COLLECTION- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$22000.00} 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 case number XXXX, XXXX as proof from the US 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or approved them. This is completely unacceptable and constitutes the reporting of false and misleading information about my financial history. 

I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern and hardship. I require immediate clarification on why these accounts are appearing and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX, Fair Collections & Outsourcing ( FCO ) reported a XXXX XXXX XXXX  ( managed at the time by XXXX XXXX XXXX ) collection account on my credit file. On XX/XX/XXXX, FCO confirmed to me by phone and in writing that the account was canceled because XXXX XXXX had provided incomplete data. Despite this, FCO furnished the tradeline for nearly three years while knowingly lacking complete or verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NJ

Complaint narrative:
I am filing this complaint regarding EXPERIANs willful violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 Compliance Standards by reporting and maintaining multiple unauthorized inquiries and inaccurate derogatory account notations on my consumer credit file. 

Unauthorized Inquiries EXPERIAN has reported numerous hard inquiries that were not authorized by me, nor supported by any permissible purpose under FCRA 604 ( a ). These inquiries were obtained through deceptive or unlawful means and constitute unauthorized access to my credit file : 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries lower my credit score and expose my private credit information without lawful justification. I have never applied for credit with these entities at the stated times. 

Inaccurate Account Reporting In addition, EXPERIAN continues to report derogatory and inconsistent information on the following account : XXXX XXXX XXXX  XXXX Open/secured loan, Date Opened : XX/XX/XXXX, Balance : {$5200.00} Reporting multiple late payments : 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), 30 days late ( XXXX XXXX ), 30 days late ( XX/XX/XXXX ) This reporting is factually inaccurate, inconsistent with Metro 2 reporting standards, and misleading. The same account reflects contradictory delinquency patterns that do not align with contractual payment history or accurate data furnishing obligations under FCRA 623 ( a ) and 607 ( b ). 

Legal Violations FCRA 604 ( a ) : No permissible purpose exists for the unauthorized inquiries listed. 

FCRA 607 ( b ) : EXPERIAN failed to maintain maximum possible accuracy.

FCRA 611 & 623 ( a ) : Inaccurate and unverifiable late payment history has not been corrected or substantiated.

Metro 2 Reporting Standards : EXPERIAN is knowingly reporting data in formats inconsistent with industry requirements.

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 2025-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have fully satisfied the savings bonus requirement, which states : Get {$500.00} when you make one single deposit of at least {$25000.00} or more in new money to your personal Citizens Savings account and maintain the savings balance through XX/XX/year>. 

At the time I enrolled in this second promotion, I confirmed with a Citizens customer service representative that my eligibility required a new {$25000.00} deposit. During that call, I was explicitly informed that my previously deposited {$25000.00} could be withdrawn without affecting my eligibility, provided that the new funds were deposited before the withdrawal. 

I followed those instructions exactly : the new {$25000.00} deposit was made prior to withdrawing the original funds, though posted on the same day due to the banking system 's own erroe. The guidance I received directly from Citizens shaped my actions and compliance with this promotion. 

Given this clear miscommunication on the banks part, I expect Citizens to honor the promotional bonus in good faith. I trust that the bank will stand by the information communicated by its representatives and extend the {$500.00} bonus as outlined. 

I appreciate your prompt attention to resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX Equifax, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and XXXX  Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

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 Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been been getting charged {$49.00} for six months and I did a dispute or a claim and was given the money back once and then they took it out of my account again and then I was refunded the money back again and then they took it out again. Ive been to the bank, 3 different branches. No one wants to help so I close my account today. It was the worst customer service Ive ever dealt with so Im going to go bank with someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
JEFFCAPSYS XXXX XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS XXXX XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
I am writing to formally dispute several items on my credit report that I believe are the result of identity theft. I am a victim of a data breach that has led to the fraudulent use of my personal information. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I request that all accounts and information resulting from this identity theft be blocked from my credit report and permanently deleted.

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 2025-09-12 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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