vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Figure Technologies, Inc
State: MI

Complaint narrative:
I took out a HELOC XX/XX/XXXX in the amount of {$22000.00} with Figure Lending LLC. They sold the loan that same month to XXXX XXXX XXXX XXXX of whom I still have an active account with. Then the loan was transferred to XXXX XXXX XXXX XX/XX/XXXX. I filed a complaint after learning that the loan was never sold. Figure Lending replied that they did not have an open account for me and were no longer collecting payments from this loan. Then in the next complaint filed they claimed to have repurchased the loan from XXXX XXXX XXXX XXXX XX/XX/XXXX. But I did not receive any loan sale disclosure documentation. The next letter I got stated that the loan was being transferred to XXXX XXXX XXXX. This was XX/XX/XXXX. XX/XX/XXXX I got a letter saying my loan was being transferred to XXXX XXXX XXXX. XX/XX/XXXX I filed bankruptcy due to XXXX XXXX XXXX no longer accepting my payments. I learned that Figure Lending has always been registered with the city clerk and has never transferred the loan. They never sold the loan and are on my federal bankruptcy documents as the lender. They have been paid and are collecting on this loan twice through different servicing companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally demand the immediate removal of an unauthorized hard inquiry from my credit report. Upon reviewing my credit file, I discovered that Bank of America placed a hard inquiry on my report on XX/XX/year>2023, without my authorization or any permissible purpose. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681b, which strictly limits when and how a company can access a consumers credit report.

I did not apply for any credit product with Bank of America on or around this date, and I have no record of authorizing such an inquiry. If you claim otherwise, I demand that you provide documented proof of my consent within 10 days of receiving this letter. Failure to do so will leave me no choice but to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I will consider pursuing legal action for damages caused by this unauthorized inquiry. 

This hard inquiry has negatively impacted my credit score, and I expect Bank of America to act immediately. You have 10 days from the receipt of this letter to remove this inquiry and provide written confirmation of its deletion. If no action is taken within this time frame, I will be forced to pursue all available legal remedies. 

This letter serves as formal notice under the FCRA. I expect a prompt resolution. You may send your response in writing to the address listed above. 

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 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Collection account from LVNV FUNDING with account # XXXX and a balance of {$690.00}. The original creditor is XXXX XXXX XXXX XXXX. I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but XXXX and XXXX failed to perform an investigation and delete the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/year> {$340.00} XXXX XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX XXXX XXXX XXXX XX/XX/year> {$340.00} XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-02-18 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: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-02-18 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: MA

Complaint narrative:
Here is the list of fraudulent inquiries : 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-18 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: MS

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-18 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: VA

Complaint narrative:
I disagree with the reporting of the account listed below which persists on my credit report despite your previous investigatio I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each individual whom you verified and validated the above information with so that I may follow up accordingly. please send me an updated copy of my credit report after completing your investigation. 
account name : XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Capital one ran a unauthorized credit inquiry on my credit causing my credit to take a hard hit and drop by XXXX XXXX Ive had previous issues with this bank due to fraudulent accounts being opened in my name not too long before this just happening in XXXX XXXX XXXXXXXX after multiple attempts to have this problem resolved with the company I was told they did not have the capabilities to fix the issue and to proceed to direct me to call XXXX and my bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my second attempt to resolve a clear violation of the Fair Credit Reporting Act. As the directly affected consumer, an immediate response is expectednot an automated or generic reply. Any further delay or failure to act will be considered willful noncompliance, exposing the responsible party to severe legal consequences and substantial monetary penalties for each violation. The unauthorized account in question is XXXX XXXX XXXX Account Number : XXXX. Reporting this account violates 15 USC 1681b ( 2 ), which explicitly prohibits the furnishing of credit information without the consumers written consent. No such authorization was ever provided, making the presence of this account on the credit report illegal. This reckless misreporting has already caused significant financial harm, credit denials, and XXXX XXXX, all of which increase liability under the law. An immediate and permanent deletion of this account is demanded. Verification through automated systems such as E-OSCAR will not be accepted, as that does not satisfy the FCRAs reinvestigation requirements. A proper manual review must be conducted, and written confirmation of deletion, along with an updated credit report, must be provided within 14 days. Failure to comply will result in immediate legal action to hold the responsible party accountable for knowingly violating federal law, with maximum damages aggressively pursued for this unlawful reporting. This matter requires urgent attention.

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 2025-02-18 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally demand the immediate removal of an unauthorized hard inquiry that XXXX placed on my credit report on XX/XX/year>. I did not authorize this inquiry, and it is negatively impacting my credit score.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a hard inquiry can only be conducted with my explicit permission. Since I never provided consent for this inquiry, XXXX is in clear violation of federal law. If this unauthorized inquiry is not removed immediately, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I expect written confirmation of the removal of this inquiry within 15 days of receiving this letter. Failure to comply will result in further action, including potential legal proceedings. 

A copy of my credit report highlighting the disputed inquiry is attached for reference. You may respond in writing to the address listed above. 

I demand immediate action on this matter. 

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 2025-02-18 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED THE FOLLOWING INFORMATION REGARDING INQUIRIES TO BE IN ERROR. THE FAIR CREDIT REPORTING ACT STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR PULLING A PERSONS CREDIT REPORT IS ( 1 ) A FIRM OFFER OF CREDIT, ( 2 ) INSURANCE, ( 3 ) AN APPLICATION FOR EMPLOYMENT, OR ( 4 ) A COURT ORDER.

THE FOLLOWING INQUIRIES ARE NOT RELATED TO ONE OF THE ALLOWABLE PURPOSES, AS I HAVE REITERATED FROM THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XXXX XXXXXXXX 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

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 2025-02-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 regarding civil liability for negligence and non-compliance.

Violations : Pursuant to 15 U.S.C. 1681o, a credit reporting agency, data furnisher, or any entity that negligently fails to comply with the requirements under the FCRA is liable for damages. Specifically, I believe the following violations have occurred : 1. Failure to investigate disputed information within the required timeframe as per 15 U.S.C. 1681i.

2. Failure to maintain reasonable procedures to ensure the accuracy of the information as required under 15 U.S.C. 1681e ( b ).

3. Failure to notify me of an adverse action taken against me due to inaccurate reporting under 15 U.S.C. 1681m.

4. Negligent non-compliance, causing damages, including but not limited to financial loss, emotional distress, and negative impacts on my creditworthiness.

Requested Action : I hereby request that you : 1. Immediately delete the inaccurate information from my credit report.

2. Provide me with a written explanation of your findings regarding this matter.

3. Compensate me for damages incurred, including any financial losses, emotional distress, and legal fees if applicable.

4. Provide a copy of all documentation related to this matter, including investigation records.

Failure to comply with these requests within 30 days will leave me with no choice but to seek further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for damages under 15 U.S.C. 1681o.

Please consider this letter as a formal notification and provide a written response to the above requests by XX/XX/year>. I expect full compliance in resolving this matter immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I entered into a settlement agreement for the balance due on my XXXX XXXX ( through synchrony bank ). The agreement states that once the final payment is made, they will update the account to current and as settled for less than full. They have been reporting it late, and even reported it late for this month despite me making the final settlement payment. I called and asked when they would be updating it, and they said XXXX  days. I told her that the system is expecting me to make a payment by XX/XX/XXXX, and thats less than XXXX  days. The representative said that is because the system doesnt recognize the settlement agreement and I may have another late payment reported for XXXX, even though im not late. I made all of the settlement payments that were agreed on. Now they may damage my credit further, so they can have time to update their system? Thats not fair at all. When someone meets the requirements of a settlement agreement they should be promptly updating the account to the credit bureaus. Not only that, but when I disputed it, they intentionally reported it as late, in response to the dispute.

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 2025-02-18 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:
Transunion continues to be non compliant and with improver investigations

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 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made attempt previously to fix these issues directly with them. They are violating my rights and I am entitled to {$1000.00} for every violation that is listed, they would either have to pay me or delete this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
I was a victim of the XXXX XXXX XXXX and Identity Theft. Transunion keeps allowing fraud accounts to appear on my credit report damaging my credit and mental well being this account they are now allowing to appear on my credit report is XXXX XXXX XXXX {$5700.00} This account is Fraud and Identity Theft and needs to be removed within 4 days per FCRA. Please help me remove this illegal account from my report. I have included all documents for my case including police reports and ftc reports. 



XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX Subject : Dispute of Fraudulent Account XXXX XXXX XXXX Dear TransUnion Dispute Department , I am writing to formally dispute an inaccurate and fraudulent account appearing on my credit report. The account in question, listed under XXXX XXXX XXXX, does not belong to me and appears to be the result of identity theft. I believe that my personal information was compromised due to the XXXX data breach, which has led to unauthorized accounts being opened in my name. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this fraudulent account from my credit report. The FCRA mandates that credit reporting agencies investigate and correct any inaccurate, incomplete, or unverifiable information. Specifically : 15 U.S.C. 1681i Requires reinvestigation of disputed information and its removal if it can not be verified.

15 U.S.C. 1681c-2 Entitles identity theft victims to request the blocking of fraudulent accounts.

15 U.S.C. 1681s-2 Prohibits the reporting of inaccurate information by furnishers.

As evidence, I have enclosed copies of the following documents : 1. A copy of my government-issued ID.

2. A completed Federal Trade Commission ( FTC ) Identity Theft Report.

3. A police report regarding the identity theft ( if applicable ).

4. Proof of address ( utility bill, bank statement, etc. ).

5. A copy of my credit report highlighting the fraudulent account.

I demand that TransUnion conduct a thorough investigation, remove this fraudulent account from my credit report, and provide me with written confirmation of the results of your investigation within the legally required timeframe of 30 days. Failure to comply with these requirements may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities.

Please confirm receipt of this dispute and update me on the status of your investigation. I appreciate your prompt attention to this serious matter. 
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