vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My ROTH IRA matured on XX/XX/2025. I initiated a ROTH IRA CD transfer request of the total amount of the account ( a little over {$6000.00} ) from BMO to XXXX XXXX XXXX on XX/XX/2025. The transfer request paperwork from XXXX XXXX XXXX was provided to XXXX XXXX by me in person at the XXXX XXXX, IL XXXX BMO branch on XX/XX/2025. Before I left the branch, I was told that the transfer request looked to be in order and had been electronically sent to the IRA Department ; the process had been initiated. I received a phone call from XXXX XXXX XXXX on XX/XX/2025 from XXXX XXXX stating that they had not yet received the funds from BMO. I called BMO North American customer service line ( XXXX ) on XX/XX/2025 to request a status update to my transfer request. After investigation, no request had been found submitted in the system. There was no known attempt, no voice message nor email, by the BMO branch to inform me of any incorrect or missing information for the transfer request to proceed without any penalty.

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 monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
In early XX/XX/year> I was contacted by IC System about a debt they are collecting on behalf of talketry. I confirmed directly with the original creditor that they still own the debt but will not accept payment directly. 

I submitted a reasonable counteroffer to the debt collector, but they refused to consider it and declined to pass the offer to the original creditor. They are demanding 80 % of the balance with no flexibility, and will not provide a written agreement outlining the settlement terms, including confirmation that the remaining balance will be forgiven.

I believe this behavior may violate the Fair Debt Collection Practices Act ( FDCPA ), as I have a right to negotiate and receive clear terms in writing before payment. Their refusal to negotiate or escalate my offer feels unethical and coercive. 

I request CFPB assistance to ensure they provide transparent settlement terms and act in good faith.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Please remove these unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
Equifax is inaccurately reporting my former name as XXXX XXXX XXXX and my previous address as XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NC XXXX. These inaccuracies contribute to confusion, misidentification, and potential negative impacts on my credit report. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) reveal that Equifax has been involved in systemic failures to conduct proper investigations, violating consumer protection laws, including the obligation to verify and correct inaccurate personal information under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ) and to delete or correct unverifiable information under 15 U.S.C. 1681 ( a ) ( 5 ). Equifaxs failure to maintain accurate and verified personal data constitutes a breach of the Fair Credit Reporting Act ( FCRA ) and causes tangible harm to consumers like myself. 

The inaccuracies in my personal identifying information suggest either data mishandling or a possible data breach, which Equifax must urgently address to comply with federal law and protect consumers rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
I had an unauthorized withdrawal from my bank account that was linked with my Cash App account for {$4000.00} and was transferred to an unknown bank account. I called my bank XXXX XXXX XXXX XXXX and filed a fraud claim and was told I needed to contact Cash App to file the dispute. I contacted Cash App and was told a dispute was filed, but I am not able to get an update when I call and told I have to wait XXXX business days to hear from them and I have not received any provisional credit and I'm worried I will not get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
I'm contacting you because theres an account showing up on my credit report that Ive never seen before and have absolutely no connection to. I didnt open it, Ive never authorized it, and I have no idea how or why its showing under my name. Simply put this account is not mine. 

I take my credit very seriously, and I check my reports regularly. This isnt just a small error its a serious misrepresentation of my credit profile. I need this mixed or incorrect data completely deleted from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Case Number - XXXX XX/XX/year> I tried to set up an online account with Experian. The system stated that the I already had an account. When I tried to reset the User Id it was sent to an email address I did not recognize. I contacted Experian and was told I would receive an email asking to send in documents to verify my identity. 

XX/XX/year> I received the email and sent in the required documents. 

Week of XX/XX/XXXX - Received an email from Experian stating that my drivers license was illegible. ( When I look at the XXXX  file I could see all of the information ). I submitted another Drivers License picture via the Portal. 

XX/XX/year> Received an email from Experian stating that my drivers license was STILL illegible. ( When I look at the XXXX  file I could see all of the information ). I sent a copy of my license via mail to the XXXX XXXX XXXXXXXX in the letter. 


XX/XX/year> I received a copy of my credit bureau report ( Report # XXXX ) with my Dispute Results and I did not open a dispute. I spoke to a Dispute agent and she said that they mistakenly thought I tried to open a Credit Bureau Dispute when they received the copy of my license even though I clearly wrote on the cover letter my Case Number. I was transferred to Membership and they said they did not receive the copy of my driver 's license even though the agent from Disputes did which is why they thought I wanted to open a 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 2025-05-15 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: IL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
I have a purchase deposit for investment the account was confined for a transaction. Which took place from a XXXX deposit for we bull trade investment using a marked category for trade survey if the task with the receptionist. The account was marked as a investor. Considering the relation with the account source the deposit was confirmed sent by a depository oher than categorized trained. The account merchant marked as confined debt unresolved task considered the task exempt from trade with the deposit for task data was not restored. Leaving a mistake in collecting the business account trade from the investir deposit. The accountant verified the mistake forfeited the task and the merchant could not resolve the account forfeiture using the survey task completion course for XXXX merchant account receptionist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Phillips & Cohen Associates, Ltd.
State: NJ

Complaint narrative:
I have had several debts from the same company. None of the accounts are mine. i have requested proof from the original application and signatures. i have not received any of the requested documentation. I have received bank statements for an account that I never had access to for payments, but it was not for my own account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In XX/XX/XXXX, I applied for a new Chase Freedom Unlimited credit card, as I was not currently a Chase client or cardholder, and I chose this card bc of their promotional offer going on at the time, of {$250.00} bonus cash in the form of XXXX points, if you used the card for at least {$500.00} in purchases within the first 3 months. 

I was approved for the card, and made well over the required purchase amount to receive the bonus points. On XX/XX/XXXX, I still had not seen the bonus points post to my account, so I called Chase customer service. The rep said he was 'opening a ticket for the issue ' and that I would get a letter from Chase once the issue was resolved. The letter I received is dated XX/XX/XXXX and said that my account isn't eligible to receive the bonus, but no specifics as to why it is not eligible. 

On XX/XX/XXXX I called to speak with Chase customer service to find out more specifically why I was not eligible for the promo, and after a 34 minute call, including a long hold time, the rep instructed me to open a message in their secure message portal, with a copy of the letter I rec 'd. I did as instructed on the same day, and the message I rec 'd back from another Chase rep confirms that the promo offer was valid when I applied, but that the criteria of the offer was not met, but that they don't know what the criteria are bc the system assesses automatically. The only stipulations on the offer was to make at least {$500.00} in purchases in the first 3 months, and I made over {$3000.00} in purchases during that time ( including on time payments ), so I know this is not the reason. I have screenshots of the reply from the Chase rep, which makes no sense regarding the reason I am not eligible. I believe this is unfair advertising, since I did what was required, but am now being told that they can't tell me why I am unable to receive the bonus points of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: OH

Complaint narrative:
these accounts. I can provide documentation to verify my incarceration upon request. 
I request that you thoroughly investigate this matter and remove all fraudulent accounts from my credit report. These fraudulent accounts include, but are not limited to : * * XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This account shows late payments and is not mine. 
* * XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This account shows late payments and is not mine. 
* * XXXX XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This auto loan is not mine. 
* * XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This account, listed as an authorized user, is not mine. 
XXXX  ( Account # XXXX ) : * This account shows late payments and is not mine. 
* * XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This loan is not mine. 
* * XXXX XXXX  ( Account # XXXX  XXXX XXXX XXXX XXXX ) : * * This loan is not mine. 
* * XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This is a fraudulent collection account. 
* * XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This is a fraudulent charged-off account. 
* * XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX ) : * * This is a fraudulent collection account. 
* * XXXX ( Original Creditor : XXXX XXXX XXXX ) ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This is a fraudulent collection account. 
* * XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This is a fraudulent collection account. 
* * XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ( Account # XXXX XXXX XXXX XXXX XXXX ) : * * This is a fraudulent collection account. 
* * XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX  ) : * * This is a fraudulent collection 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 2025-05-15 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:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-05-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
They have refused to send any verification or data other than what appears on my credit report.

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 2025-05-15 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: TX

Complaint narrative:
I was disputing thru XXXX  and Equifax. There is a XXXX  closed account. That is inaccurate they didn't approve my dispute. Account was closed in XXXX but says XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief