vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: DC

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 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against Equifax Information Services LLC for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements related to dispute handling and Method of Verification ( MOV ). 

On XX/XX/year>, I mailed Equifax a dispute and MOV request challenging multiple inaccurate, incomplete, and unverifiable tradelines and the bankruptcy reporting. 

Equifax has failed to : Provide a timely response to my dispute Provide a Method of Verification Identify the furnisher Provide the documentary evidence used to verify any account Address or respond to the detailed written dispute I submitted In addition, Equifax failed to respond to the formal written dispute letter I sent, which included multiple tradelines and statutory citations. The letter was delivered and is included as supporting documentation. 

Equifax MOV Charge Offs Equifax has violated : 15 U.S.C. 1681i ( a ) failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) failure to provide the MOV 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) failure to complete investigation within 30 days Because Equifax failed to respond and failed to provide the required MOV, the information on my report remains unverified and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: GA

Complaint narrative:
Issue : Inaccurate motor vehicle information reported by Checkr & failure to correct after dispute I am filing a complaint against Checkr , Inc. for failure to correct inaccurate information on my Motor Vehicle Report ( MVR ) after multiple disputes, in violation of the Fair Credit Reporting Act ( FCRA ).

Checkr is reporting inc
orrect CDL/suspension information on my background check. I visited the Georgia Department of Driver Services ( DDS ) in person and obtained an official, certified Motor Vehicle Report ( MVR ), which DDS confirmed is the only documentation the State of Georgia provides regarding license status and driving history. DDS does not issue supplemental letters or alternate reports.

I submitted this certified MVR to Checkr during the reinvestigation process, as required under FCRA 611 ( a ). Despite providing the only state-issued, authoritative document, Checkr continues to delay or request unnecessary documentation that does not exist. This constitutes a failure to conduct a reasonable reinvestigation and violates the requirement to ensure maximum possible accuracy under FCRA 607 ( b ).

I am requesting that Checkr : 1. Accept the certified DDS MVR as the authoritative record, 2. Correct or remove the inaccurate CDL/suspension information from my report, and 3. Provide confirmation of compliance.

DDS has verified my license is valid and in good standing. My employment opportunities are being negatively impacted by Checkrs refusal to accurately report my driving history. I am requesting the CFPBs assistance to ensure compliance wit
h federal law.

Company : Checkr , Inc.

Issue : Incorrect information on my background check, failure to correct after dispute Resolution Requested : Correct inaccurate MVR data immediately based on certified DDS records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX contacted me attempting to collect an alleged XXXX XXXX  debt that had been fully disputed since XX/XX/year>. At the time they contacted me, the account remained unvalidated and legally uncollectible under the FDCPA and Regulation F. PRA never provided the required documentation, and XXXX XXXX initiated new collection activity despite having no legal basis or substantiation to support their claims. 

XXXX XXXX sent a written notice implying attorney involvement, legal authority, and documentation they did not possess. Their letter attempted to collect a balance that had never been validated, and they represented the debt as legally enforceable without reviewing any underlying records. This violates Regulation Fs substantiation requirements ( 12 C.F.R. 1006.30 ( a ) ), the FDCPAs prohibition on misrepresentation, and the FCCPAs ban on asserting rights that do not exist. 

As a law firm, XXXX XXXX is under heightened professional and legal obligations. Attorneys must maintain competency, comply with federal regulations, and understand the regulatory restrictions imposed on their clients. Despite this, XXXX XXXX accepted and acted upon a disputed, unverified account from PRAa debt buyer under CFPB consent orders restricting the transfer and collection of unsubstantiated accounts. XXXX XXXX decision to engage in collection activity without verifying PRAs compliance directly contributed to new violations. 

XXXX XXXX conduct also reflects a pattern documented in the CFPBs Complaint Database, where consumers have reported similar issues involving deceptive letters, improper legal threats, and lack of documentation. This indicates that the firms actions are not isolated errors but part of an ongoing practice inconsistent with federal law. 

These are new violations, independent from my prior complaint against XXXX. XXXX XXXX initiated unlawful collection, misrepresented the status of the debt, implied legal action without substantiation, and failed to meet the requirements imposed on attorneys and licensed collectors. Their actions constitute new and separate violations of the FDCPA, Regulation F, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
My compliant is against Comenity ( XXXX Credit Card Provider ) and their allocation of payments against Promotional Balances. I have contacted Comenity via phone at least 6 times in the last 3 months most recently end of XXXX, early XXXX on/or around XX/XX/XXXX and most recently XX/XX/XXXX. 

I have communicated that Comenity that they are not allocating my payments correctly and they are adamant that they are. As I read 1026.53 ( Allocation of payments ) the process by which payments should be allocated are first to standard purchases ( balances with APR ) and any excess balance should be allocated to promotional balances in the order in which they will expire. Which makes sense to protect consumers from promotional balance coming off promotion and then being hit with large interest fees. Comenity does not follow 1026.53 instead they allocate any balances after standard across multiple promotional balances. 

In my case payments were allocated causing a balance to come off promotion causing me to be charged interest of {$290.00} plus another {$420.00}. When I contacted Comenity on XX/XX/XXXX and asked how my recent payment ( XX/XX/XXXX ) of {$500.00} was allocated they told me only {$400.00} was allocated against the interest noted prior and the balance was allocated against a promotional balance again violating 1026.53. I believe that Comenity should properly allocate all of my XXXX payments against standard purchases and the promotional balance that was expiring in XXXX XXXX. This would then eliminate the interest charged. My XXXX  Payment should then be allocated against my promotional balance that is expiring in XX/XX/XXXX. 

When contacting Comenity I was told that they would not reallocate payments as I describe above and that I need to contact them every month after my payment is process to tell them how the payment should be allocated. This policy is unacceptable to the consumer to have to call in every month when 1026.53 clear states how payments are to be allocated. I would like for this situation to be resolved for myself and the this compliant will cause Comenity to follow 1026.53 for other consumers as we are being charged unnecessary interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NY

Complaint narrative:
XX/XX/XXXX experienced a whole app and debit card shutdown, transfers were not available and I was not able to access any of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
* * Category : * * Credit discrimination * * Subcategory : * * Improper adverse action and failure to verify derogatory information * * Institution : * * Bank of America , N.A . 
* * Reference Number : * * XXXX * * Date of Incident : * * XX/XX/year> * * Complaint Summary : * * On XX/XX/year>, I contacted Bank of America underwriting regarding a previously denied application for the Bank of America Visa Infinite Card. My application had been denied via multiple adverse action letters dated XX/XX/year>, XX/XX/year>, and XX/XX/year>. I submitted a formal reconsideration request on XX/XX/year>, which remains unaddressed. 

During my call, I spoke with XXXX in underwriting. The matter was escalated to XXXX, who stated that a follow-up letter would be sentbut that it would not include a signature certifying the accuracy of the adverse action reasons. She also confirmed that no evidence would be provided to support the derogatory claims cited in the denial, nor would my reconsideration letter be acknowledged.

This constitutes : - * * Discriminatory treatment * * under the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), as I was denied a fair reconsideration process and subjected to vague, hearsay-based adverse action.

- * * Failure to verify disputed credit data * * under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ).

- * * violent communication misconduct * *, as
the institution refused to engage in good-faith resolution or provide certified documentation.

- * * Violation of procedural fairness * *, including refusal to certify the accuracy of the adverse action and failure to disclose rescission rights under 15 U.S.C. 1666d.

I am requesting : 1. A signed letter certifying that the adverse action is not based on false statements.

2. Full disclosure of the evidence used to justify the denial.

3. A formal investigation into Bank of Americas underwriting practices and reconsideration procedures. 

This complaint is submitted in good faith and with full commercial standing. I reserve all rights under applicable 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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I discovered an unauthorized charge of {$620.00} from XXXX on my Truist account. I filed a fraud claim ( Claim # XXXX ) and submitted all documentation available to me. After following up multiple times, Truist denied the claim but has never provided any written documentation, evidence, or explanation supporting this denial. 
Truist verbally told me over the phone that XXXX confirmed the purchase was accurate, yet they refused to provide any written proof of this claim, any correspondence from the merchant, shipping information, or a summary of the investigation. 

I contacted XXXX directly. Their representative informed me that the order connected to this charge was shipped to XXXX, California. I live in XXXX, Virginia, have no connection to California, and did not place or receive this order. This is clear evidence of fraud, which I shared with Truist. 
Current situation : -Truist has my money. 
-XXXX  has been paid. 
-I am left without reimbursement for a purchase I did not make. 

Truist has not followed required consumer protection standards. They did not : -Provide written reasoning for the denial, -Share any investigation documentation, or -Conduct a transparent or thorough 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 2025-11-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
I am submitting a formal complaint regarding the collection account reported on my credit report by XXXX XXXX XXXX XXXX XXXX for Account # XXXX, originally opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and electronically signed by me on XX/XX/year>. 

While I acknowledge the original loan, I * * dispute the current reported balance of {$4100.00} * *, which is significantly higher than the original credit limit of {$2500.00}. I have already submitted a formal * * debt validation request * * to Bounce AI requesting : XXXX. A detailed, itemized breakdown of the {$4100.00} balance, including principal, interest, fees, penalties, and collection costs. 
XXXX. Proof that all amounts claimed are accurate and legally collectible. 
XXXX. Verification that reporting to all credit bureaus is accurate and compliant with the Fair Credit Reporting Act ( FCRA ). 

Despite my dispute, the account continues to be reported on my credit report, negatively affecting my credit score. 

I request that the CFPB investigate this matter, require XXXX XXXX XXXX XXXX XXXX to * * provide full validation of the alleged debt * *, and * * correct or remove any inaccurate reporting * * from my credit report. 

I have attached supporting documentation, including : - Credit report showing the account - Debt validation letter sent to Bounce AI - Screenshots from the online portal I am requesting CFPB assistance to ensure my rights under the * * FDCPA and FCRA * * are enforced and that any inaccurate or unverified information is * * removed promptly * *. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-20 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-20 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never opened, authorized, or managed any of them. This raises a serious concern of identity theft, as these accounts do not belong to me and are falsely being linked to my credit profile. This is completely unacceptable and presents inaccurate, misleading, and damaging information about my financial history. I take my credit very seriously, and seeing these unauthorized accounts has caused me significant stress and concern.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'GREETINGS I APPRECIATE YOUR ATTENTION TO THIS MATTER MY NAME IS XXXX XXXX  I HAVE SOME UNFORTUNATE NEWS I HAVE BEEN NOTIFIED I AM A VICTIM OF THE EQUIFAX DATA BREACH WHICH HAS RESULTED IN THE THEFT OF MY IDENTITY I AM SEEKING GUIDANCE PLEASE. I SEEK THE ENFORCEMENT OF MY CONSUMER RIGHTS AS SPECIFIED IN FCRA SECTION 605B (15 U.S.C. 1681-c2). AS AN INDIVIDUAL IMPACTED BY IDENTITY THEFT, I AM ENTITLED TO REQUEST THE REMOVAL OF ANY FRAUDULENT INFORMATION FROM MY CREDIT REPORT THANK YOU. THIS REGULATION MANDATES THAT CREDIT. HERE ARE THE ITEMS I AM ASKING YOU TO VERUFY AS ACCURATE:\n\nTransunion: [Account name: XXXX] [Account number: XXXX                    [Account name: XXXX XXXX] [Account Number: XXXX                    [Account name: XXXX] [Account Number: 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 2025-11-20 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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