vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Multiple fraudulent inquires on my Transunion, XXXX, and XXXX  reports that I did not authorize per the fair credit reporting act please remove all XXXX fraudulent inquires I should not have any inquires

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 2025-11-01 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: VA

Complaint narrative:
XXXX  XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No. XXXX ). 

I am a XXXX  VETERAN that was impacted by XXXX  XXXX XXXX and also XXXX XXXX. My NA

ME, DOB, SSN, ADDRESS, DRIVERS LICENSE, BANK DETAILS AND CARD NUMBERS WAS IMPACTED AND STOLEN. This complaint serves as notice of my intent to purs
ue binding arbitration and litigation against TransUnion ( TransUnion ) for violations of federal and state consumer protection laws stemming from your willful and negligent reporting of inaccurate information on my consumer credit report. 

I. INACCURATE ACCOUNT AND INFORMATION Despite my previous disputes, TransUnion continues to report the following inaccurate information on my consumer credit report : II. PREVIOUS DISPUTES I have previously disputed these inaccurate items with TransUnion : FRAUDULENT ACCOUNT INFORMATION a ) 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  Despite my reasonable investigation requests, TransUnion has failed to : Conduct a reasonable reinvestigation as required by law Correct or delete the inaccurate information Provide me with adequate documentation supporting the accuracy of these accounts Comply with statutory obligations under the Fair Credit Reporting Act ( FCRA ) TransUnion violates VIOLATION : 15 U.S.C. 1681i : INVESTIGATION PROCEDURES TransUnion dispute investigations are FRAUDULENT : a ) Form letter responses claiming verified WITHOUT investigation b ) PREDETERMINED outcomes regardless of dispute legitimacy c ) REFUSAL to delete unverifiable accounts as required by law

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 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
Three overdraft fees were generated on XX/XX/XXXX and XX/XX/XXXX totaling XXXX dollars in my checking account. The bank did not provide me in my mobile app with proper notification of the overdraft. I called the bank the on XX/XX/XXXX and the agent declined immediately my request for refund without even offer to look into or investigate my account transactions and said could not offer any further assistance and just hang up the phone. I believe the fees are excessive and unjustified. This deceptive practice must stop. Never had a bad customer experience with US bank since I became a loyal client.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BOC Capital Corp.
State: NJ

Complaint narrative:
Dear Compliance Officer, I am writing to formally request that BOC Capital Corp immediately correct and remove a Business Line of Credit account that has been improperly reported on my personal consumer credit file with XXXX. 

The account details are as follows : Creditor : BOC Capital Corp Account Type : Business Line of Credit Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Current Balance : {$350000.00} ( as of XX/XX/XXXXXXXX  ) Listed Responsibility : Co-signer / Personal Guarantor Nature of the Account This account was opened under a business entity and used exclusively for commercial purposes. 
Although I personally guaranteed repayment, this obligation is not a consumer debt, nor was it ever used for personal, family, or household purposes. 

By reporting this commercial credit line to XXXX consumer credit division, BOC Capital Corp has inaccurately represented a business loan as a personal credit account, which has caused material harm to my personal credit profile. 



Legal Basis Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report only accurate and relevant information. 
Reporting a commercial loan on a consumer file is misleading and fails to meet the accuracy standards outlined in 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

This practice is not consistent with industry standards, as most commercial lendersincluding SBA, XXXX, and XXXX only to business credit bureaus unless the credit is explicitly personal in nature. 

XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
RE : Dispute of Debt - Reference Number XXXX XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced above. I have no agreement or direct relationship with your agency, and therefore I do not acknowledge this debt as valid or collectible by Radius Global Solutions LLC. I request that you provide a full validation of this debt, including : o A copy of the original contract or agreement with my signature o A complete payment history, including the original amount and any interest or fees Until you provide proper verification, you must cease all collection activity in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Additionally, this debt is being reported to the credit bureaus. As it is disputed and unverified, I formally request that Radius Global Solutions remove this account from my credit report immediately, as required by the Fair Credit Reporting Act ( FCRA ), if you can not validate it. 
Please respond to this request in writing. 
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 non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Valon Technologies, Inc.
State: LA

Complaint narrative:
I XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX LOUISIANA XXXX, RECEIVED A LETTER XX/XX/year>XXXX  FROM XXXXXXXX XXXX  THAT MY LOAN HAD BEEN TRANSFERRED TO VALON MORTAGE AND TO MAIL MY XXXX PAYMENT TO THEM, NO 30 DAY NOTICE. NO NEW PAPERWORK FROM VALON CONCERNING THIS TRANSFER WITH LOAN INFORMATION AS IN : LOAN OR ACCOUNT NUMBER, LOAN TERMS, WHERE TO MAIL PAYMENT, I RECEIVED NO WRITTEN OR VERBAL COMMUNCATION FROM THIS VALON MORTAGE COMPANY. WITHIN A 30 DAY WRITTEN NOTICE REQUIRED BY FEDERAL LAW. THEY ARE IN TOTAL VIOLATATION OF FEDERAL LAW FOR NOT FOLLOWING RULES, REGULATIONS AND GUIDELINES

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: GA

Complaint narrative:
I recently research about the hard inquires through Trans Union database. During the process they I noticed XXXX XXXX XXXX listed as an hard inquire pull on my credit file. I did not recognize or authorize this loan servicer.To pull my credit file information. As a customer of transunion, it did not give me the option to dispute through them. When financial is aware that I had disputed this issue previously and acknowledge that this should be removed on my credit file.

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 2025-11-01 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:
Sending my personal identification to be added to my previous complaint because I forgot to include it before I submitted the first complaint. I also mistakenly used the last four of my telephone number where the last four of my social security number should had been added. I am making those corrections here. The last four of my social is XXXX that is replacing XXXX in my previous complaint. Thank you

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 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
On XX/XX/year> a debt collection was reported to my credit report by a collection company named Ability Recovery Services LLC, in the amount of {$2500.00}. 

FCRA Section 611 ( 15 U.S.C. 1681i ) : The general dispute section that requires CRAs to reinvestigate disputed information within 30-45 days. However, Section 605B is the specific and faster route for identity theft.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Payoff check was sent to XXXX on XX/XX/year> cashed on XX/XX/year>. XXXX has not updated my account. Its been more than 30days. I have proof that account was paid in full to them from the dealer I traded my car in

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 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I connected a XXXX XXXX Illinois Courthouse Clerk to a JP Morgan Stanley Banking agent for Arbitration Wager deposits and they blocked my account and I have rumors of trillions of dollars showing evidence in percentage gains in debt, but no evidence in my Chsse Bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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:
Equifax and Transunion both have inaccurate information on my credit report. Ive asked for a thorough investigation and proof it but none was given. They continue to keep this incorrect information on my report.

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 2025-11-01 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: NC

Complaint narrative:
Equifax and Transunion both have inaccurate information on my credit report. Ive asked for a thorough investigation and proof it but none was given. They continue to keep this incorrect information on my report.

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 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: SC

Complaint narrative:
HUNTER WARFIELD account # XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide Certified mail, with receipt displaying my signature.If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am truly frustrated to see that these inaccurate accounts are still appearing on my credit report even after everything Ive done. Im pleading that you carefully go over the documents Ive sent so this issue can finally be put to rest and I can have some peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Sovereign Lending Group, Incorporated
State: CA

Complaint narrative:
Home purchase loan with Sovereign Lending Group Incorporated is set to close on XXXX. On XXXX late afternoon PST I was coerced into signing a " change of circumstance '' form where they raised their " origination fee '' again to {$2900.00}. Original estimate was approximately {$1900.00}. This was the second time they raised the fee. XXXX XXXX, XXXX XXXX and XXXX XXXX are my loan " team ''. XXXX called me Friday afternoon and said they just sent me a new change of disclosure and that if I didn't sign it they wouldn't close the loan process. Buying this house has cost me quite a few thousand already and would be a major loss and heartbreak if I lost my retirement dream home. There is a lot more to unpack and more " errors '' they have caused along the way but this final straw is like a punch in the face. Hard to believe companies can get away with this kind of petty extortion. The original Closing disclosure out of pocket costs were approximately {$6200.00}. The first " change of circumstance '' form increased to approximately {$12000.00}! The third coc was approx $ XXXX. Every time I ask what are the increased costs for they raise the costs and their fees again. session says timing out.... Im a 100 percent XXXX vet and struggling with these extra costs and this extortion is insulting.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV FUNDING LLC ACCOUNT # XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide Certified mail, with receipt displaying my signature.If not, please delete account # XXXX. as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Date : XX/XX/year> American Express XXXX XXXX XXXX XXXX Department XXXX. XXXX XXXX XXXX XXXX, TX XXXX Re : CFPB Case # XXXX Fraudulent Account Activity To Whom It May Concern : I am writing in reference to the above CFPB case number. I have been informed that American Express determined there may be potential fraud involved in the account associated with my personal information. I want to formally dispute and request immediate investigation and removal of any fraudulent accounts or activity connected to my name, credit profile, or Social Security number. 

I did not authorize or open this account, nor did I consent to any related transactions. This account is the result of identity theft, and I request that American Express : 1. Block, close, and permanently remove the fraudulent account ( s ) from my records.

2. Provide written confirmation that these actions have been taken.

3. Supply any documentation or evidence ( such as applications or statements ) used to open or verify the account.

4. Report the deletion of the fraudulent account ( s ) to all three credit bureaus ( XXXX XXXX, and XXXX  ). 

Attached are supporting documents : Copy of my government-issued ID FTC Identity Theft Report ( if completed ) Proof of address ( such as a recent utility bill or bank statement ) I appreciate your prompt attention and resolution of this matter. Please send confirmation of your investigation results and all correspondence to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX and XXXX a client of Bank of America. I was in XXXX and I had my phone robbed in the middle of the street, ( I was using my phone XXXX it was unlocked ) the thieves made XXXX XXXX transactions but only XXXX of XXXX dollars went through. I got in touch with the bank and make the complaint because I wanted to recover the money that Ive been stolen. After several calls and e-mails, They declined because they said that the Bank of America send a code to my phone t approve the transaction ( of course the thieves received the code, they had my phone unblocked with them ) I made a second claim proving that I did the police report after I was robbed with all the informations of my stolen phone etc. They declined again because of the same reason, ( they said the bank send a code to the phone number to approve the transaction ) once again, of course they had the code, they had my phone with them, the bank didnt even pay attention of what I was saying, explaining and proving, XXXX of the attendant told me that XXXX of the persons the money was XXXX XXXX a Bank of America account. XXXX the bank has the information of the thieves and didnt do anything. I just want to recover my money, its unfair I have to pay for such an insecure app, it supposed to request a facial to get in, why didnt function? I Called the bank again and they are not willing to make another claim, XXXX XXXX helpless, please I need help t solve this against the Bank XXXX XXXX. Ive always payed my bills in time, I dont owe anything to no one. XXXX responsible with my bills, XXXX an student and this is just unfair, and the bank should help me, instead it gives no support and keeps the money. For them ia just XXXX XXXX dollars but for me it is a lot of money and if you check my bank account youll see I never pays anything off time, and never did a XXXX t those people. Please I need help I dont know what else to do! ( Ive trying to upload more pictures of the bank account XXXX a proof but is not allowing 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