vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account was fully paid, yet it continues to display late payment notations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NJ

Complaint narrative:
I am filing this formal complaint against TransUnion, Experian, and Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards concerning an unauthorized hard inquiry reported by XXXX Mortgage on my credit report dated XX/XX/year>. 
I have never applied for credit, mortgage preapproval, or any related service from XXXX, XXXX, or XXXX XXXX, nor have I provided written consent or permissible purpose authorization as required by law. Despite my disputes, the inquiry remains, and none of the credit bureaus have provided verification of authorization.Violations of the Metro 2 Compliance Guidelines According to Metro 2 Format Section 6.2 and Appendix B, only inquiries with a documented permissible purpose ( such as a signed credit application, written consent, or valid service request ) may be furnished and reported.

The reporting of this inquiry without verification constitutes a Metro 2 compliance violation, as there is no documentation confirming consumer authorization.

Under Metro 2, any unverifiable or inaccurate reporting must be suppressed or deleted immediately to maintain data integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NJ

Complaint narrative:
I am filing this formal complaint against TransUnion, Experian, and Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards concerning an unauthorized hard inquiry reported by XXXX Mortgage on my credit report dated XX/XX/year>. 
I have never applied for credit, mortgage preapproval, or any related service from XXXX, XXXX, or XXXX XXXX, nor have I provided written consent or permissible purpose authorization as required by law. Despite my disputes, the inquiry remains, and none of the credit bureaus have provided verification of authorization.Violations of the Metro 2 Compliance Guidelines According to Metro 2 Format Section 6.2 and Appendix B, only inquiries with a documented permissible purpose ( such as a signed credit application, written consent, or valid service request ) may be furnished and reported.

The reporting of this inquiry without verification constitutes a Metro 2 compliance violation, as there is no documentation confirming consumer authorization.

Under Metro 2, any unverifiable or inaccurate reporting must be suppressed or deleted immediately to maintain data integrity.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still appearing on my credit report this morning, and I can not understand why. The inaccurate late payments were not removed even after refreshing my browser. I need this issue resolved immediately, and I am asking that the documents I have sent be reviewed carefully so I can finally stop worrying about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
In the past few weeks, multiple unauthorized transactions were made from my Bank of America checking account, including XXXX, XXXX, and other online transfers totaling over {$18000.00}. These transactions were not authorized by me and were done without my knowledge or permission. 

I reported the fraud to Bank of America immediately and completed all required steps, including providing a written statement. The bank reopened my claim, but the issue remains unresolved. I did not make or approve any of these transfers, and I did not share my card or account access with anyone.

I am requesting that the reopened claim be reviewed under Regulation E as unauthorized electronic fund transfers, with verification of the device/IP used for each transaction and a full refund of the unauthorized withdrawals.

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 2025-11-12 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: IL

Complaint narrative:
I recently applied to move into a new apartment and discovered there are errors on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), credit reporting agencies are required to ensure the accuracy and fairness of the information they report. These inaccuracies have negatively affected my reputation and could be considered defamatory in nature. I am requesting that the errors be investigated and corrected immediately to ensure my credit file accurately reflects my financial history. this is the accountXX/XX/XXXXXXXX

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 2025-11-13 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: Open Dealer Exchange, LLC
State: MI

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX, XXXX, and XXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft hit inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. Accordingly, the hard hit has hindered me from acquiring XXXX  credit for my business affairs, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
my identity was stolen and used to rent an apartment in this location and i never lived there or made any rent contrant, now i have a debt in my credit report and i want to delete this problem

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 2025-11-13 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: AZ

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of 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 explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I asked for the complete verification package the payment ledger, monthly billing statements leading into default, default/acceleration notice, and the charge-off calculation tied to the account. Its been months, and Ive received nothing but automated letters and another copy of my credit report, which I already had.Lets be clear verification under the FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ) means the CRA and furnisher have to perform a reasonable investigation using actual source documentation, not just electronically confirm the data they already have on file.

To verify a charge-off, they must produce : The full payment and transaction ledger ; The monthly statements showing how the balance reached charge-off ; The default or acceleration notice ; The charge-off/deficiency balance calculation ; and Any UCC or deficiency sale documentation, if applicable .

Anything less than that is not verification. Sending me a copy of my credit report, stating I have a third party working on my credit, or flagging my file for identity theft when I never claimed that none of that qualifies as validation. 
I've disputed the XXXX Bank charge-off thats still being reported across all three credit bureaus. The reporting is completely inconsistent, which violates Metro 2 factual reporting standards.

Account numbers dont even match TransUnion shows a shortened or truncated number, while XXXX  and XXXX  show different versions.

High Balance is listed as {$0.00} on XXXX  but {$780.00} on XXXX  and TransUnion.

Credit Limit shows {$0.00} on XXXX  but {$500.00} on XXXX  and TransUnion.

Date of Last Activity and Date Reported are all different by bureau.

The payment-history grids are not the same XXXX  shows 30/60/90/120/150/CO, XXXX  has long UN gaps, and TransUnion is incomplete.

Under Metro 2 Data Furnisher Reporting Guidelines, fields like Account Number, Credit Limit, High Credit, Date of Last Activity, Date Reported, Account Status, and two-year payment history must all be accurate, complete, and consistent across CRAs. These are not.

XXXX  also marked this account verified, yet they never provided a single document to prove anything.

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 2025-11-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I previously disputed an account with XXXX / XXXX XXXX  that was reporting a balance of {$1600.00} as a collection/chargeoff. This account was removed from my credit report after I submitted a verified FTC Identity Theft Report along with identification and proof of address. Despite multiple removals and confirmation letters, the account was reinserted without my consent or written notice. The reinsertion occurred on XX/XX/year>, and no proper reinvestigation or verification was conducted by Equifax or the furnisher. This repeated reporting of inaccurate information violates federal law under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), 1681i ( a ) ( 1 ) ( A ), 1681s-2 ( b ), and exposes the CRA to potential statutory and actual damages.

I have provided evidence of prior deletions, dispute letters, and supporting identity theft documentation. I am requesting permanent deletion, written confirmation that the account is blocked from reinsertion, and disclosure of all verification records related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My Identity was stolen from a potential seller of a home I was interested in on XX/XX/XXXX. I mistakenly left my DL, SSN and other articles rushing to get to my next place of business for the day. It took the thief 1 week before it was returned. The line of credit in question was opened XXXX of that year. On XXXX XXXX XXXX I disputed this credit card as it was not mine. XX/XX/XXXX a mortgage office notified me that upon my request of searching all databases of courts where I have lived found a pending lawsuit against me rom Bank of America by way using XXXX XXXX XXXX. The firm has not filed this suit properly or notified me! XXXX XXXX XXXX is in violation of FBCPA standards.

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 2025-11-12 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 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 2025-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
On XX/XX/2025, United Wholesale Mortgage approved me for a three month forbearance beginning XX/XX/2025 with XXXX dollars due each month. This was confirmed in writing. 

Despite the XXXX dollar forbearance, United Wholesale Mortgage withdrew {$3600.00} from my bank account on XX/XX/2025. This withdrawal was not authorized and violated the written forbearance terms. 

On XX/XX/2025, I attempted to contact United Wholesale Mortgage four times. Each time, the automated system stated that my loan had transferred to a new servicer and then disconnected the call without allowing me to reach a representative. I contacted the new servicer, XXXX, but they stated that the account information had not transferred yet and they were unable to help. 

The forbearance terms did not transfer correctly. An active autopay instruction was transferred to the new servicer even though the required payment amount was XXXX. On XX/XX/2025, XXXX notified me that a payment would be drafted on XX/XX/2025. The representative confirmed the forbearance but stated that the autopay could not be suspended until the next day. To prevent a second unauthorized withdrawal, I had to remove funds from my account. 

These servicing errors caused financial hardship and required significant time to resolve ( they remain unresolved ). I am submitting a RESPA Notice of Error to United Wholesale Mortgage and XXXX, but I am requesting CFPB assistance because of the unauthorized withdrawal, the transfer issues, and the inability to reach the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Experian reinserted a previously deleted account without providing the mandatory reinsertion notice required by FCRA 1681i ( a ) ( 5 ) ( B ). This account had been removed after prior disputes, and its sudden reinsertion without proper verification or notice violates federal law. 

Since XXXX, I have submitted more than 30 disputes, several FTC Identity Theft Reports, CFPB complaints, and certified mail requests asking for proper verification. Experian continues reporting disputed information without providing any documentation from the furnisher or evidence used to verify the account. I specifically requested contracts, applications, IP logs, timestamps, identification used, and all data from the furnisher, and none of this was provided.

The reinsertion has caused significant financial harm. This inaccurate reporting has affected my creditworthiness for years, resulting in denials of credit, higher interest rates, and the loss of financial opportunities. Experians actions also contributed to the denial of a federal PLUS loan for my graduate studies, directly harming my educational and financial plans.

This is part of a long-term pattern of improper investigations, failure to verify information, and failure to follow federal reinsertion procedures. Experians repeated disregard for the FCRA has caused economic, emotional, and reputational damages by keeping inaccurate information on my report for years despite multiple disputes and legal notices.

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 2025-11-12 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: Bounce AI, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurately reported collection account by BOUNCE AI ( Account ending in XXXXXXXX XXXX XXXX ), showing a high balance of {$4100.00} and a date opened of XX/XX/2024. 

I have no knowledge of this account and have never opened, authorized, or received any communication or validation from BOUNCE AI regarding such a debt. The reporting of this alleged collection account is false, misleading, and unverifiable, and it has caused damage to my credit profile and financial reputation.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, debt collectors and furnishers must ensure that the information they report is accurate and verifiable, and must provide validation upon request. BOUNCE AI has failed to furnish any verifiable documentation establishing that I am responsible for this alleged account.

I have previously disputed this matter with the credit bureaus, but the account remains on my credit report without verification or supporting proof. Therefore, I am escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) for investigation and enforcement to ensure compliance with federal consumer protection laws.

I respectfully request that BOUNCE AI provide complete and verifiable documentation of this alleged debt, including the name of the original creditor, any signed agreements, and all account records. If such documentation can not be provided, I request the immediate and permanent deletion of this collection account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding LLC has been repeatedly harassing me through texts and emails about an alleged debt that I have no legal obligation to pay. I have never opened or authorized any account with them or their affiliates. Despite multiple demands for validation and cease-contact, LVNV continues to contact me and report false information to the credit bureaus. Their actions violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards, which require accuracy and proper validation before furnishing data. This harassment and false reporting have caused severe stress and credit damage. I am demanding immediate removal of this account from all credit reports and written confirmation that all collection and reporting activity has stopped.

Company response to consumer: Closed with non-monetary relief