vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 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: TX

Complaint narrative:
There are several hard credit inquiries being reported on my credit reports that I did not authorize or consent to. These inquiries were made without my knowledge or permission, and I have no existing credit relationship or application history with the companies involved. 
The following unauthorized inquiries are being reported : XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXXXXXX XXXX  Experian XX/XX/XXXX XXXX / XXXX / Equifax Experian XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XX/XX/XXXX I have never applied for credit, loans, or financing with any of these institutions. I did not provide authorization for any lender or dealership to access my credit reports. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ), a consumer reporting agency may only furnish a report when there is a permissible purpose and with the consumers consent. 
These inquiries were conducted without permissible purpose, and they are negatively impacting my credit profile and score.

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 2025-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
In XX/XX/2025, Truist Mortgage incorrectly added XXXX unrelated property tax bills to my escrow account XXXX for {$2500.00} and another for {$1100.00}. These bills did not belong to the property associated with my mortgage loan. One parcel number was not even located in XXXX XXXX XXXX, and the other belonged to a completely different property in XXXX XXXX XXXX, which is not tied to my Truist loan. 

This mistake increased my monthly payment from {$1700.00} to {$2300.00}. Between XX/XX/XXXX and XX/XX/2025, I made over XXXX phone calls and spoke with around XXXX different Truist employees across the Escrow, Tax, and Customer Service departments. I was transferred repeatedly, given conflicting information, and promised numerous call-backs that never happened. Out of all those employees, only XXXX people ever returned calls as they said they would. 

I have complete documentation of every date, time, and employee name I spoke with, including XXXX XXXX representatives and managers. Despite my persistent follow-ups and cooperation, the error took nearly XXXX weeks to correct. 

On XX/XX/2025, I spoke with a Truist employee named XXXX about filing a formal complaint directly with the company. She stated she would forward it to Truists complaint department and that I would be contacted. As of XX/XX/2025, I have not received any call or follow-up from that department. 

While the incorrect parcels have finally been removed and my monthly payment has been corrected to {$1700.00}, I am filing this CFPB complaint due to Truists severe mishandling, excessive delays, lack of accountability, and repeated failures to follow up or communicate professionally.

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 2025-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: IA

Complaint narrative:
Credit Acceptance XXXX Account number : XXXX Are reporting the wrong information and amount to my credit. They have a debt collector who harass me with the wrong information. Please delete this debt from my account.

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 2025-10-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
I previously filed CFPB complaint XX/XX/XXXXXXXX regarding an alleged XXXX XX/XX/XXXXloan that Bounce AI claims to own. Bounce AI responded but failed to provide proper validation as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The attached response contains only generic loan templates with no verified signature, no bill of sale or assignment linking my account to Bounce AI, and no itemized accounting of the balance. 
Because the company has not provided legally sufficient evidence that it owns or can collect this account, I am filing a new complaint for continued collection attempts on an unverified debt. I am requesting the CFPB require Bounce AI to : ( 1 ) produce a signed loan agreement with my name and date of execution, ( 2 ) provide the purchase/assignment file showing lawful ownership, and ( 3 ) cease all collection activity and credit reporting until validation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: FL

Complaint narrative:
XXXX XXXX is reporting a charged-off account ( Account XXXX : XXXX XXXX XXXX XXXX  ), but I have not received any certified documentation proving the validity, ownership, or accurate delinquency timeline associated with this alleged charge-off. 

There are inconsistencies in reporting across the credit bureaus, including different last payment dates and differing account status remarks such as Account was in dispute now resolved and Account transferred or sold. This raises concerns about the accuracy and verifiability of the information being furnished.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ) ), furnishers must ensure maximum possible accuracy and report only fully verified and complete information. If the account was transferred or sold, the current debt owner must provide validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Since no verifiable documentation has been provided to confirm the legitimacy, ownership, or accuracy of this charge-off, I am disputing the accuracy of this derogatory reporting as it may be unverifiable, incomplete, or misleading.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX is willfully misreporting and illegally re-aging a repossessed vehicle lease account to make it appear current and active in XXXX. The final payment was made on XX/XX/XXXX, and the vehicle was repossessed that year. Despite no payments, communication, or account activity since XXXX, XXXX is now furnishing data to credit bureaus showing a Date of Last Activity in XXXX, falsely implying recent activity and an open status. 
This violates the Fair Credit Reporting Act, specifically FCRA 623 ( a ) ( 5 ) and 605 ( c ), which prohibit furnishers from re-aging delinquent accounts or altering the Date of First Delinquency ( DOFD ) to extend negative reporting periods. This misrepresentation unlawfully restarts the 7-year clock and inflates my outstanding balance. 
I request the CFPB compel XXXX to immediately correct or delete this tradeline from all credit bureaus and confirm compliance with FCRA data furnishing standards. This deliberate re-aging constitutes deceptive reporting and materially harms my credit profile.

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 2025-10-27 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
this bankruptcy was disputed multiple times, they are closing the dispute out before even investigating it. They will also not provide the documents on how they are verifying it nor the company they are using that does there investigations. Was told they do not conduct the investigation their third party does it WHICH IS ILLEGAL! THEY ARE SUPPOSED TO CONDUCT THE INVESTIGATION THEMSELVES. I HAVE ALL THIS RECORDED BECAUSE I AM IN THE STATE OF XXXX WHERE IF I AM IN THE CONVERSATION THEN I DO NOT NEED CONSENT FROM THE OTHER PARTY TO RECORD! 15 U.S. Code 1681i ( Section 611 ) must investigate and verify the information with the furnisher ( the company that reported it ). they are legally required to provide you with the method and evidence of verification : Who they verified it with What documents or proof were used, andHow the verification was done.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii )

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 2025-10-26 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:
this bankruptcy was disputed multiple times, they are closing the dispute out before even investigating it. They will also not provide the documents on how they are verifying it nor the company they are using that does there investigations. Was told they do not conduct the investigation their third party does it WHICH IS ILLEGAL! THEY ARE SUPPOSED TO CONDUCT THE INVESTIGATION THEMSELVES. I HAVE ALL THIS RECORDED BECAUSE I AM IN THE STATE OF XXXX WHERE IF I AM IN THE CONVERSATION THEN I DO NOT NEED CONSENT FROM THE OTHER PARTY TO RECORD! 15 U.S. Code 1681i ( Section 611 ) must investigate and verify the information with the furnisher ( the company that reported it ). they are legally required to provide you with the method and evidence of verification : Who they verified it with What documents or proof were used, andHow the verification was done.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii )

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 2025-10-26 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:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email Address : XXXX Phone Number - ( XXXX ) XXXX Charge offs, Hard inquiry Dates : XXXX XXXX, Charge off date, XX/XX/XXXX XXXX XXXX XXXX, Charge off date, XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, hard inquiry date, XX/XX/XXXX XXXX XXXX  hard inquiry date, XX/XX/XXXX To : Equifax : XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian : XXXX XXXX XXXXXXXX, XXXX, TX XXXX TransUnion : XXXX XXXXXXXX XXXX, XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Information Request for Investigation Dear [ Credit Bureau Name ], Equifax, Experian, TransUnion I am writing to formally dispute inaccurate information appearing on my credit report. The information in question pertains to a charge-off, hard inquiries listed by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  According to my records, the information reported is [ inaccurate/incomplete/unverifiable ] for the following reason ( s ) : I never had an account with this creditor I have never opened, authorized, or maintained any credit account or relationship with this lender. Therefore, the reported item is inaccurate and fraudulent Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and verify the accuracy of the information. If the creditor can not provide documentation verifying the accuracy and validity of this charge-off, I request that it be removed or corrected from my credit report immediately. 

Please provide me with the results of your investigation in writing. Enclosed are copies of documents supporting my position, including., payment records, correspondence, statements, or identity verification documents ]. 

Thank you for your prompt attention to this matter. I expect a response within the 30-day investigation period as required by the FCRA. 

Sincerely, 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 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Date : XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX To : Portfolio Recovery Associates XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Cease and Desist Inaccurate Collection Reporting & Request for Immediate Deletion Dear Portfolio Recovery Associates, This letter serves as a formal cease and desist notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and a dispute and deletion request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, regarding the following account being reported inaccurately and without verification : Original Creditor : XXXX XXXX XXXX. 
Account Number ( partial ) : XXXX Date Opened : XX/XX/year> Reported Balance : {$190.00} Account Type : Debt Buyer / Collection Reporting Agency : XXXX Status : Collection account {$190.00} past due as of XX/XX/year> This account is false, inaccurate, and unverified. No documentation, contract, or signed agreement has been provided to establish the legitimacy of this debt or any lawful assignment of ownership from XXXX XXXX to Portfolio Recovery Associates. Reporting such unverifiable information violates multiple sections of federal law, including : 15 U.S.C. 1692e ( 8 ) Communicating or threatening to communicate false credit information.

15 U.S.C. 1692f Using unfair or unconscionable means to collect a debt.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

15 U.S.C. 1681s-2 ( b ) Failure to properly investigate disputed information.

Accordingly, I hereby demand that you : 1. Cease all communication and collection activity regarding this alleged account immediately.

2. Delete or request deletion of this unverified account from all consumer credit reports ( Experian, Equifax, and TransUnion ).

3. Provide written confirmation within XXXX days of receipt of this notice verifying either ( a ) complete deletion or ( b ) full documentation of a valid, signed original agreement and chain of assignment.

If this matter is not resolved promptly, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), detailing your agencys noncompliance with the FDCPA and FCRA, and request enforcement action and penalties. Additional complaints will also be submitted to the Federal Trade Commission ( FTC ) and the New Jersey Attorney Generals Office.

Continued reporting or communication will be considered willful violation of federal consumer protection laws and grounds for legal action under 15 U.S.C. 1692k and 15 U.S.C. 1681n.

All future correspondence must be made in writing only to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I am submitting this statement to the Consumer Financial Protection Bureau ( CFPB ) regarding several fraudulent accounts that were opened in my name without my authorization. Despite previously disputing these accounts with ExperianspecificallyXX/XX/XXXXXXXX, XXXXXX/XX/XXXXXXXX, and XXXX XXXX XXXX XXXXand providing all required documentation, including my FTC Identity Theft Report, a completed affidavit, and valid identification, I have not received confirmation that the fraudulent entries have been permanently removed from my credit file. As required under the Fair Credit Reporting Act ( FCRA ), Sections 605B and 611, Experian is obligated to conduct a reasonable reinvestigation and remove unverifiable or fraudulent information.

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 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: VA

Complaint narrative:
Thus complaint is in reference and an update / extension to complaint to complaint number XXXX and complaint number XXXX. 

I called Chime yesterday to check on my dispute and Chime told me I was going to get the {$1100.00} back on my Chime account by XX/XX/year>. The dispute specialist said that is XXXX XXXX percent fact guarantee. I then asked the specialist whu not now why on the XXXX if its beinh found in my favor? Why hold my funds and I explain to him i had bills i had to pay. It's already been 34 days since I been missing this money and started this dispute. He didnt have a clear answer for me. If its already been found in my favor like the Chime Dispute Specialist said or If it will XXXX percent be found in my favor and that is fact. Chime Disputes XXXX own words by XX/XX/XXXX if they already know that information why hold my money till XXXX XXXX. I also have an audio recording of the phone call I had with the dispute specialist if the CFPB wants a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year> I woke up to see my account balance - {$100.00} which has never been overdrawn like this in the course of me having this bank account. My account will only allow me to go - {$25.00}. When I called chime to ask them if there were any issues with their database, and if anyone else was having this issues and they said the negative balance was a correct balance, however, could not provide an explanation on how the number is added up when reflecting back on my personal ledger balance, and the transaction history on chime. I was told that Two transactions were credited back to my account on XX/XX/XXXX. However, there are no credits reflecting on my account in my transaction history for this day. Furthermore, the two transactions they are referring to shows as they were debited out of the account on XX/XX/XXXX, the time of the service. The transaction history for chime matches my personal banking ledger documentation. However, when I call into the phone line for customer support, they are referencing transactions that dont exist nor reflect in any kind of documentation. I asked that they resolve this issue via phone support but they refuse stating the account balance was correct. Again, my documentation, that I will also provide within this complaint shows that the XXXX haircuts XXXX listed as XXXX XXXX and the other as XXXX in the amount of {$40.00} and {$50.00} were debited from the account on XX/XX/XXXX. You will also see that there were no credits to the account on XX/XX/XXXX. A bank can not just state there are transactions that were debited and credited, and it not match. Any of the documentation provided both from the bank and myself. Those are fraudulent claims and are not accurate. My account balance needs to be restored to what it reflected as - {$12.00} on the night of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
On XX/XX/year> I tried to login to my Zions Bank account, it was locked on the app and not letting me in so I thought it may have been a password or something similar. I called the customer service support and they said to go to my nearest branch and I did. The branch said they were the ones who locked it and wouldnt tell me why. One of the tellers said it was due to my other bank from my jobs deposit transfers which was a source of income coming in from XXXX ( my employers form of payment ) and that I would never get access to it as a result. I never violated any agreement and only transferred positive money to my account?

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