vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint against Bank of America and XXXX XXXX, XXXX for a wrongful and unlawful foreclosure that occurred on XX/XX/XXXX, involving my property at XXXX XXXX XXXX, XXXX, VA XXXX. 

In late XXXX, I submitted a formal loan modification application to Bank of America for a HELOC loan. Bank of America confirmed via phone that the foreclosure sale had been canceled and that my modification application would proceed. I did not receive any denial or final decision before the sale was executed. 

However, despite this, the trustee XXXX XXXX, XXXX conducted a foreclosure sale of the property on XX/XX/XXXX, in what appears to be a violation of federal dual tracking rules under Regulation X ( XXXX XXXX XXXX ). I was never given final notice, acceleration, or any updated modification paperwork. 

Even more concerning, the property was sold for {$210000.00}, while the assessed value exceeded {$950000.00}, and there was a senior mortgage of over {$400000.00} with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

I have now received a written response from XXXX ( XXXX XXXX ), who confirmed : They were not paid off by the buyer. 
They were not notified or involved in the foreclosure. 
T

hey still hold the first lien on the property. The buyer never assumed the loan or made contact. 
Two small payments were made by the buyer using my name/account, which XXXX XXXX can not link to any authorized assumption or sale. 

Despite this, the buyer evicted me on XX/XX/XXXX, and is now actively trying to resell the property, even though they have not obtained legal title due to the unresolved senior mortgage. 

I have since filed XXXX XXXX bankruptcy ( Case # XXXX ), listing Bank of America XXXX XXXX, and the buyer as creditors. The foreclosure was fraudulent, and I request a formal investigation into : The validity of the foreclosure and auction process ; Violations of RESPA and Regulation X ; The trustees legal authority to foreclose during modification ; The buyers unauthorized use of my account to make payments ; The lack of assumption or payoff of the senior mortgage ; Efforts to resell a property with a clouded title and active bankruptcy stay. 

I respectfully request that Bank of America and the trustee be investigated for improper foreclosure activity, that the sale be invalidated, and that the resale be immediately halted pending judicial or bankruptcy review.

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 2025-07-30 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: GA

Complaint narrative:
To resolve this issue fairly and lawfully, I am requesting the following actions be taken by Experian : A formal reinvestigation of the late payment reported by XXXX XXXX ( Account Number : XXXX ). 

Documentation from the furnisher ( XXXX XXXX ) proving that I was properly notified before any late payment was reported including dated notices, letters, or email communications. 

If such documentation can not be provided, I demand the permanent deletion of the reported late payment. 

Written confirmation from Experian that the late mark has been removed from my credit file. 

An updated copy of my corrected credit report provided to me within 15 business days. 

If this issue is not resolved promptly, I will proceed with formal complaints to the FTC, state Attorney General, and take legal action under FCRA 616, which provides for statutory and actual damages, including attorneys fees.

This resolution request is fair, lawful, and aligned with my rights as a consumer under the FCRA.

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 2025-07-30 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: NY

Complaint narrative:
TransUnion has violated my FCRA rights by refusing to block and delete fraudulent accounts after receiving proper identity theft documentation. Theyve also locked me out of my credit file, preventing disputes and document uploads. This is deliberate obstruction and unlawful conduct. I have now filed a federal lawsuit and TransUnion will be served sometime soon. I tried to prevent this by disputing until I got blocked calling constantly, making complaints and all the above. TransUnion will soon find out they arent above the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I was the victim of a sophisticated account takeover and impersonation scam. On XX/XX/year>, a fraudster who had already gained access to my USAA account impersonated me and submitted disputes to USAA for multiple charges. They then spoofed USAAs main phone number ( XXXX ) and sent fraudulent text messages that mirrored USAAs legitimate XXXX and password reset alerts. 

Believing I was speaking with USAA 's fraud department, I followed instructions and reset my credentials. This allowed the impersonator to take over my account and transfer {$5000.00}. 

I reported this immediately, but USAA denied my claim without anyone from their fraud team ever contacting me. They then threatened to terminate my banking relationship. I had to request a re-review, which was again denied. My account has been locked for over two months, during which time USAA has only sent messages through its internal message centerwhich I can not access due to the lockout.

I now have evidence showing : Spoofed text messages formatted identically to real USAA alerts Password reset and logon codes I did not request A spoofed call from USAAs main phone number at the time of the scam This was a classic social engineering attack, and the {$5000.00} transfer was unauthorized under Regulation E ( 12 CFR 1005 ) .I am requesting that the CFPB investigate USAAs failure to conduct a proper investigation and require them to reimburse the stolen funds.

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 2025-07-30 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue 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 explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am the victim of identity theft and am formally requesting an urgent investigation and removal of multiple inaccurate, unauthorized, and fraudulent items currently appearing on my credit reports. These entries were made without my consent or knowledge and are seriously damaging my credit standing. 



Unauthorized Hard Inquiries ( Identity Theft ) : 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 Fraudulent Charge-Off Account : XXXX  - This charge-off account was opened and reported without my knowledge or authorization. I never applied for or used this account. It is fraudulent and must be removed.

Inaccurate & Disputed Late Payment Accounts : The following accounts have reported late payments that are either the result of identity theft, internal processing issues, or billing failures on the creditors end. These late marks are unjustified and do not reflect my payment behavior : XXXX XXXX XXXX XXXX SYNCB XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request the immediate deletion of these inaccurate items from all three credit bureaus ( XXXX, XXXX, and XXXX  ) in accordance with the Fair Credit Reporting Act ( FCRA ). I reserve the right to escalate this matter further with supporting documents including a police report and FTC Identity Theft Affidavit.

These errors are negatively impacting my financial health, and continued reporting constitutes an ongoing violation of my rights as a consumer. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Phone : 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am the victim of identity theft and am formally requesting an urgent investigation and removal of multiple inaccurate, unauthorized, and fraudulent items currently appearing on my credit reports. These entries were made without my consent or knowledge and are seriously damaging my credit standing. 



Unauthorized Hard Inquiries ( Identity Theft ) : 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 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  Fraudulent Charge-Off Account : XXXX XXXX This charge-off account was opened and reported without my knowledge or authorization. I never applied for or used this account. It is fraudulent and must be removed.

Inaccurate & Disputed Late Payment Accounts : The following accounts have reported late payments that are either the result of identity theft, internal processing issues, or billing failures on the creditors end. These late marks are unjustified and do not reflect my payment behavior : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best Buy / CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I request the immediate deletion of these inaccurate items from all three credit bureaus ( Equifax, TransUnion, and Experian ) in accordance with the Fair Credit Reporting Act ( FCRA ). I reserve the right to escalate this matter further with supporting documents including a police report and FTC Identity Theft Affidavit.

These errors are negatively impacting my financial health, and continued reporting constitutes an ongoing violation of my rights as a consumer. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Phone : 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 2025-07-30 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: NM

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ), the bureau is required to conduct a reasonable reinvestigation within XXXX  days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as XXXX  ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA XXXX ( b ) / XXXX XXXX. XXXX ( b ). Legal precedent : In light of the XXXX  CFPB enforcement action ( CFPB & FTC XXXX TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. The CFPB concluded that superficial or automated procedures fail to meet the FCRAs reinvestigation standard. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed item without proof. 
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 non-monetary relief
Consumer complaint received 2025-07-30 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: MD

Complaint narrative:
Due to the data breach the result is identity theft with fraudulent accounts and addresses. XXXX and XXXX XXXX. And fraudulent addresses 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 non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am the victim of identity theft and am formally requesting an urgent investigation and removal of multiple inaccurate, unauthorized, and fraudulent items currently appearing on my credit reports. These entries were made without my consent or knowledge and are seriously damaging my credit standing. 



Unauthorized Hard Inquiries ( Identity Theft ) : 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  Fraudulent Charge-Off Account : XXXX  - This charge-off account was opened and reported without my knowledge or authorization. I never applied for or used this account. It is fraudulent and must be removed.

Inaccurate & Disputed Late Payment Accounts : The following accounts have reported late payments that are either the result of identity theft, internal processing issues, or billing failures on the creditors end. These late marks are unjustified and do not reflect my payment behavior : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request the immediate deletion of these inaccurate items from all three credit bureaus ( Equifax, TransUnion, and Experian ) in accordance with the Fair Credit Reporting Act ( FCRA ). I reserve the right to escalate this matter further with supporting documents including a police report and FTC Identity Theft Affidavit.

These errors are negatively impacting my financial health, and continued reporting constitutes an ongoing violation of my rights as a consumer. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Phone : 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
CFPB Complaint Statement XXXX XXXX XXXX XXXX Subject : Repeated Failure by All Three Credit Bureaus to Resolve Dispute Violations of the Fair Credit Reporting Act ( FCRA ) Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> I am filing this formal complaint against Experian, Equifax, and TransUnion due to their repeated failure to resolve my credit reporting dispute involving inaccurate and potentially unverifiable information. This issue has been raised multiple times, and each of the three credit reporting agencies has failed to take the required corrective actions under the Fair Credit Reporting Act ( FCRA ).

Instead of conducting a proper investigation, the bureaus responded with generic verified statements, yet failed to provide the required method of verification as mandated by 15 U.S.C. 1681i ( a ) ( 7 ). This omission is a direct violation of : 15 U.S.C. 1681i ( a ) failure to reinvestigate disputed information 15 U.S.C. 1681e ( b ) failure to follow reasonable procedures to ensure maximum possible accuracy Disputed Account Still Unresolved : Charge-Off Creditor : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite repeated requests, I have not received : A full explanation of the method of verification used The name, title, and contact information of the furnisher of the disputed data Any documentation or evidence used to support the verified status of this charge-off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief