vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing to formally request your offices immediate attention and investigation into a series of fraudulent actions involving my familys home, which culminated in an unlawful foreclosure and the wrongful loss of our property in XXXX. I believe this case involves serious civil rights violations, identity fraud, and potentially criminal misconduct by individuals connected to both a major bank and the local court system. 

In XXXX, following the finalization of our XXXX  XXXX bankruptcy, the bankruptcy trustee released our property and deeded it back to my wife. Bank of America subsequently acknowledged this and officially released the deed back to us. We have the original bankruptcy court documents and property records that confirm we were the legal title holders from that point forward.

However, despite this clear legal finality, Bank of America unlawfully sold a debt that had already been discharged in bankruptcy. This fraudulent act was later used as a basis to initiate foreclosure
proceedings against usa foreclosure that had no lawful foundation.

Even more disturbing, it appears that XXXX XXXX employed a court clerk, XXXX XXXX, who has a known criminal historyincluding three felony convictions and charges related to identity theft. I have strong reason to believe that XXXX XXXX fabricated foreclosure documents and helped facilitate a fraudulent foreclosure process that ultimately led to our eviction and the loss of our home last year.

I have retained extensive supporting documentation, including : Bankruptcy case records and the trustees release of the property.

Deed release from Bank of America.

Evidence of post-bankruptcy debt resale and wrongful foreclosure filings. 
Proof of XXXX XXXX criminal history and court employment. 
County records that contradict the legitimacy of the foreclosure process.

Given the gravity of these allegations and the potential impact on other similarly situated families, I respectfully request that your office initiate an investigation into : 1. The illegal resale of discharged debt by Bank of America ; 2. The wrongful foreclosure and potential civil rights violations ; 3. Fraudulent or criminal misconduct within the XXXX XXXX courts, specifically related to XXXX XXXX XXXX role. 

This situation has devastated my family and undermined our faith in both financial and legal institutions. I am pleading for your offices help in restoring justice and accountability.

Please let me know if I may provide further documentation or appear in person to present my case in detail. Thank you for your time, consideration, and dedication to the rule of law. 

Respectfully, 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 2025-06-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my XXXX written attempt demanding the immediate removal of fraudulent tems from my consumer report under FCRA 605B. You have failed to comply with your legal obligation to block this information within XXXX business days. 
You are now in XXXX XXXX with the Fair Credit Reporting Act and knowingly causing harm to a consumer. 
Despite providing : - A valid FTC Identity Theft Report- A written request for block/removal- Clear documentation of fraud You continue to report the following : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} 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 XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-13 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: GA

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

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 2025-06-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Fraudulent Accounts and Inquiries Immediate Action Required ( SSN : SS # : XXXX ) To Whom It May Concern : I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies.

Fraudulent Accounts : XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX These accounts and inquiries were not authorized by me and must be removed from my report immediately.

Failure to Act : If these fraudulent accounts and inquiries are not deleted, and an updated consumer report is not sent to me promptly as mandated under 15 USC 1681c-1 ( 2 ), I will escalate this matter to the following entities : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX ( XXXX  ) State Attorney General Offices, both in your jurisdiction and mine Non-compliance will lead to formal legal action, including seeking damages for the harm caused by your continued violation of my rights.

Enclosures : Copy of my government-issued ID Proof of address ( utility bill ) Copy of my Social Security card FTC Identity Theft Report I expect swift action on your part and look forward to receiving confirmation that all fraudulent information has been removed and an updated report has been sent.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CL Holdings LLC
State: FL

Complaint narrative:
I LEARNED THAT I HAVE A COLLECTION ON MY CREDIT BUREAU THAT I WAS DELINQUENT FOR NONE PAYMENT TO A XXXX XXXX ACCOUNT THAT I DID I NEVER OPENED. 

I FILED A POLICE REPORT AND NOTIFIED XXXX. 
HOWEVER, XXXX NEVER REPLY TO ME ... AFTER NUMEROUS OF CALLS, XXXX REMOVED THE REPORTING OF THE FRAUDULENT FRAUD ON MY CREDIT. 

HOWEVER, NOT I SEE A JEFFERSON CAPITAL SYST, XXXX MALICIOUSLY AND WITH OBVIOUS STORTIONS REPORTED AGAIN THE SAME XXXX XXXX FOR {$1000.00}. 

THIS IS AN OBVIOUS FRAUD ON BEHAVE OF XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ive been trying for a few hours to reach someone at EXPERIAN. I cant get a real person on the phone. I froze my credit and am trying to temporarily lift it. I went online to XXXX and XXXX and was able to accomplish this in XXXX minute. EXPERIANs website told me that my email is incorrect, my phone number is incorrect and LOCKED me out of signing in. I tried the following numbers- ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX I get the same computer that will not connect me to a live agent. I cant log in, cant reach anyone. This company is a nightmare!!! They were supposed to send me a code to login but never did

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: CL Holdings LLC
State: TX

Complaint narrative:
A dispute was submitted last month to the credit bureaus regarding the account XXXX XXXX XXXX XXXX, which is being inaccurately reported under my name. I am formally notifying you that this is not my account. My personal information has been used without my consent in connection with fraudulent activity, and I am demanding that an investigation be conducted in accordance with 18 U.S.C. 1028A, which makes it a federal crime to knowingly use, transfer, or possess someone else 's identification to commit a felony. XXXX XXXX XXXX is currently reporting XXXX XXXX as the original creditor ; however, I have never held an account with this company. This information was included in my XXXX  complaint to XXXX, which Ive reattached for your reference. You were also informed that my identity was previously stolen and that a police report was filed with XXXX XXXX, resulting in the IRS requiring me to use an Identity Protection PIN for tax purposes moving forward. If additional confirmation is needed, you may contact the Dallas Police Department. I am under no legal obligation to prove that an unauthorized account is not mine the burden of proof lies with the furnisher to validate the debt. While your investigation is ongoing, I am demanding the immediate deletion of this account from my credit report, as it is not my debt. I have also attached a copy of my FTC Identity Theft Report to support this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: UT

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  # XXXX BOX # XXXX XXXX, UT XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$460.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CADENCE BANK
State: MS

Complaint narrative:
I requested years ago that my checking account not have overdraft privileges. Despite this, an item was paid into overdraft on XX/XX/25, and I was charged a {$36.00} fee on XX/XX/25. I called to address this and was told to opt out again via the automated system, which I did. 

Yet on XX/XX/25, another item was paid into overdraft, and I was charged another {$36.00} fee on XX/XX/25. 

I am requesting a full refund of both fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00}

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
The action was taken on XX/XX/2025 due to the inaccuracies that has damaged my credit worthiness. Ive noticed all three bureaus and the creditor of this matter and informed them that they have XXXX  days to resolve the matter. I also have the attached documents that will be provided to your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have a Lowes credit card issued by Synchrony Bank. My account includes multiple purchases with different financing terms : XXXX  with 9.99 % interest and a fixed monthly payment XXXX others with deferred interest promotions expiring on XX/XX/XXXX and XX/XX/XXXX respectively Despite making monthly payments of around {$200.00}, Synchrony has been applying 90 % of my payments to the 9.99 % interest balance. This leaves the deferred interest purchases untouched, which puts me at risk of being charged retroactive interest if they are not fully paid by the promo expiration dates. There are promos ending XX/XX/XXXX and XX/XX/XXXX. The fixed monthly 9.99 % promotion has no end date. 

Ive had to call customer service after each payment to request that my funds be reallocated to the deferred interest balances. I then must log in 72 hours later to confirm it was handled correctly. This is extremely burdensome, time-consuming, and makes it very difficult to manage my account responsibly. Frankly there have been times I've not been able to call within the 60 day timeframe due other life circumstances or narrowly missed the deadline. And so the payment is allocated incorrectly and Im at risk of paying interest once the promo ends. 

Frankly after my account is paid, Im closing the account as I find this practice very predatory.

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 2025-06-13 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: FL

Complaint narrative:
Im reaching out because Ive identified a credit inquiry on my report that is completely fraudulent. I did not authorize it, I did not apply for credit with that company, and I had absolutely nothing to do with the request. 

To be blunt : This inquiry was not made by me. 

I did not consent to it. 

I did not initiate any application that would justify its presence. 

It is fraudulent, plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CA

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TrueAccord Corp.
State: TX

Complaint narrative:
A dispute was submitted last month to the credit bureaus regarding the account TRUEACCORD C XXXX, which is being inaccurately reported under my name. I am formally notifying you that this is not my account. My personal information has been used without my consent in connection with fraudulent activity, and I am demanding that an investigation be conducted in accordance with 18 U.S.C. 1028A, which makes it a federal crime to knowingly use, transfer, or possess someone else 's identification to commit a felony. TRUEACCORD is currently reporting XXXX XXXX  as the original creditor ; however, I have never held an account with this company. This information was included in my prior dispute, which Ive reattached for your reference. You were also informed that my identity was previously stolen and that a police report was filed with XXXX XXXX, resulting in the IRS requiring me to use an Identity Protection PIN for tax purposes moving forward. If additional confirmation is needed, you may contact the XXXX Police Department. I am under no legal obligation to prove that an unauthorized account is not mine the burden of proof lies with the furnisher to validate the debt. While your investigation is ongoing, I am demanding the immediate deletion of this account from my credit report, as it is not my debt. I have also attached a copy of my FTC Identity Theft Report to support this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NJ

Complaint narrative:
I have already made several attempts with all 3 credit bureaus to update my personal information. I have sent in a government issued photo ID, social security card and Up to date utility bill for verification. Currently XXXX XXXX XXXX are reporting my name as : XXXX XXXX. Transunion is reporting : XXXX XXXX XXXX. I want all 3 credit reports to list the same ONE name. Please check that all 3 credit reports are reporting the same ONE name.

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