vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
This is XXXX XXXX  company who sends me repossession notices and then never wants to work with me on my payments. They at first said I was disapproved and then approved me for a loan with the highest interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TN

Complaint narrative:
i recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reporting to my credit report. these remarks have been detrimental to my life and credit health!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TN

Complaint narrative:
i recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reporting to my credit report. these remarks have been detrimental to my life and credit health!

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 2025-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I opened a checking account with BMO Bank in response to a promotional offer that promised a {$350.00} bonus for depositing {$4000.00} in direct deposits within a qualifying period. At the time of account opening, I was explicitly informed that the account had no minimum balance requirements and no monthly maintenance fees. 

I fulfilled the direct deposit requirement in full. However, approximately one month before the promotional bonus was scheduled to be paid, BMO Bank abruptly closed my account without warning or notification, citing a " {$0.00} balance '' as the reason. This action contradicts the original terms communicated to me and appears to be an intentional effort to avoid honoring the bonus offer. I was never notified that my account had been closed and only discovered the closure upon attempting to log in. 

I am requesting that BMO Bank be required to honor the original terms of the promotion and issue the {$350.00} bonus as promised.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
South state bank in XXXX south Carolina has been double charging transactions i made using a debit card connected to my checking account. I would make a purchase and it would be taken from my balance and say pending transaction, it would stay like that until my direct deposit and then that amount would be taken a second time from my balance and the transaction date wouldn't be the day I made the purchase and the balance would not be correct. They have taken over {$30000.00} in 2024 alone, and I've been banking with them for 5 years. This has been going on the entire time. I would dispute charges, a provisional credit would be issued and they would give no explanation as to what happened. I've talked to bank managers and I when I would tell them what was happening, I could see that they were extremely uncomfortable and I saw her hands trembling. I wasn't yelling or being rude, or aggressive I was stating the facts and reasons why I came to this conclusion. This is basic math, adding and subtracting. Almost {$100000.00} was deposited into that bank and only {$50000.00} in Transactions occurred. Where is the rest of the money? I made 2 times as much last year as the year before and I have nothing to show for it. I'm defaulted on loans and my credit is ruined because I couldn't make payments, I've lost almost everything and I'm homeless now. Make it make sense? 
Please help me. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain entries and hard inquiries listed on my Experian credit report. These items may be inaccurately reported or the result of identity compromise, particularly considering the risks exposed by the Experian data breach. Disputed Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Disputed Hard Inquiries : XXXX XXXX  XXXX  on XX/XX/XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request a full reinvestigation into each of these items. If they can not be verified with documentation from the original sources, they must be deleted. Furthermore, under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ), continued reporting of inaccurate or unverifiable information constitutes a violation of federal consumer protection laws.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Multiple accounts have been reinserted onto my credit reports without proper written notice, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). These accounts include XXXX XXXX XXXX, three XXXX XXXX accounts, XXXX, and XXXX. I was not notified of these reinsertions, nor was I provided with any explanation of how these accounts were verified after their previous removal. These are charge-off accounts that are inaccurately reporting high balances, late payments, and high utilization rates, despite being closed and charged off. I also sent formal written disputes regarding these accounts, including a dispute about a late payment with XXXX XXXX XXXX XXXX that was never late. I provided proper documentation with my dispute. Instead of investigating, Experian responded by falsely claiming that I did not submit the dispute myself. This is completely inaccurate and raises serious concerns about the validity of their investigation process. Furthermore, each time I file a complaint with the CFPB, Experian, and Equifax lock me out of accessing my credit reports, making it impossible to monitor or address ongoing issues. This pattern of obstruction feels retaliatory and violates my rights. XXXX XXXX XXXX is also reporting a collection account that I have requested validation for multiple times, yet neither XXXX nor the credit bureaus have provided any legally required supporting documentation. In addition, XXXX XXXX is not licensed to collect in my state, making their reporting both deceptive and unlawful. I am demanding a full investigation into these repeated violations of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I request a step-by-step explanation of the procedures used to determine the accuracy and completeness of the information I disputed, details on how the data was verified, which furnishers reinserted the information, and why I was never notified or provided validation.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Multiple accounts have been reinserted onto my credit reports without proper written notice, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). These accounts include XXXX XXXX XXXX, three XXXX XXXX accounts, XXXX, and XXXX. I was not notified of these reinsertions, nor was I provided with any explanation of how these accounts were verified after their previous removal. These are charge-off accounts that are inaccurately reporting high balances, late payments, and high utilization rates, despite being closed and charged off. I also sent formal written disputes regarding these accounts, including a dispute about a late payment with XXXX XXXX XXXX XXXX that was never late. I provided proper documentation with my dispute. Instead of investigating, Experian responded by falsely claiming that I did not submit the dispute myself. This is completely inaccurate and raises serious concerns about the validity of their investigation process. Furthermore, each time I file a complaint with the CFPB, Experian, and Equifax lock me out of accessing my credit reports, making it impossible to monitor or address ongoing issues. This pattern of obstruction feels retaliatory and violates my rights. XXXX XXXX XXXX is also reporting a collection account that I have requested validation for multiple times, yet neither XXXX nor the credit bureaus have provided any legally required supporting documentation. In addition, XXXX XXXX is not licensed to collect in my state, making their reporting both deceptive and unlawful. I am demanding a full investigation into these repeated violations of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I request a step-by-step explanation of the procedures used to determine the accuracy and completeness of the information I disputed, details on how the data was verified, which furnishers reinserted the information, and why I was never notified or provided validation.

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 2025-05-07 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: SC

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 2025-05-07 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: SC

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 non-monetary relief
Consumer complaint received 2025-05-07 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: MD

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( 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 2025-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am disputing a {$22000.00} charge from Home Depot on my Home Depot-branded Citibank credit card for a kitchen renovation that was not properly completed. I submitted a formal billing dispute and uploaded documentation through Citis online dispute portal, including : A letter from Home Depots legal department dated XX/XX/year>XXXX  acknowledging problems with the installation and offering compensation for inconvenience My formal written refund request dated XX/XX/year>XXXX  A PDF containing photo evidence of poor workmanship ( off-center faucet hole, broken cabinetry, scratched tiles, uneven cabinets ) On XX/XX/year>, I received a denial letter from Citi stating that the charge was upheld because services were provided. This ignores the core dispute : the service was defective, incomplete, and acknowledged by Home Depot as unacceptable. I gave them more than three months to resolve the issue and ultimately declined any further contractor access after repeated failures. 

On XX/XX/year>, I spoke by phone with XXXX from Home Depot Corporate Support from XXXX XXXX  to XXXX XXXX. In that call, I clearly reiterated that I was no longer accepting remediation and was only seeking a refund. Citis denial failed to reflect this fact. In addition, a Citi representative previously confirmed that my email address had been incorrectly entered in their dispute system, and that documentation or follow-up may have been attempted but never reached me. This procedural failure denied me the opportunity to respond or clarify before the dispute was denied. 

I am requesting that the CFPB require Citibank to reopen this dispute, review all submitted evidence, and confirm that the process followed meets the standards of the Fair Credit Billing Act ( FCBA ). The handling of this dispute appears to have been procedurally flawed and substantively unjust.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC XXXXi ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I opened a dispute with my bank of XX/XX/2025, under the case number XXXX. 
Until now I dont have any update, so I called customer service and they refused to help me saying my phone ( same as always ) is not elegible to receive passcodes so I should go to the branch. 
Im not Us resident so I cant go to the branch to ask about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Subject : Complaint Regarding Early Warning : Failure to Address Consumer Report Errors and Block XXXX-Related Items Dear Consumer Financial Protection Bureau , RE : Consumer ID : XXXX Dispute Case ID : XXXX I am filing this complaint against Early Warning for their failure to address multiple inaccuracies in my consumer report and their lack of compliance with federal laws protecting victims of XXXX XXXX 

For several months, I have contacted Early Warning to dispute incorrect information in my consumer report, including : Incorrect addresses listed under my name Misspelled versions of my name Inquiries that I believe should be blocked as they are the result of my status as a XXXX XXXX victim. 
Despite my repeated efforts, I have not received any resolution or meaningful response from Early Warning. I have made numerous phone calls to their customer service department with no calls returned. Additionally, I sent an email detailing the errors and requesting that the items related to my XXXX  experience be blocked as required by law, but I have not received any response. 

Under the federal National Defense Authorization Act for Fiscal Year XXXX  ( NDAA ), specifically Section 6102 of the Debt Bondage Repair Act ( 15 U.S. Code 1681c3 ), consumer reporting agencies are required to block adverse information on a victims consumer report that resulted from XXXX XXXX within four business days of receiving a victims request and supporting documentation. I provided the necessary information to Early Warning, yet they have failed to comply with this legal obligation. 

Early Warnings inaction has caused me significant distress, as these inaccuracies and unblocked items negatively affect my ability to rebuild my life and secure financial stability. 

I am requesting that the CFPB investigate Early Warnings failure to : respond to my disputes and communications in a timely manner. 
Correct the inaccurate information in my consumer report. 
Block the inquiries and other adverse items resulting from my XXXX  experience, as required by federal law. 
I appreciate your attention to this matter and look forward to your assistance in ensuring Early Warning complies with the law and fulfills its obligations to protect consumers like me. 

Sincerely, XXXX XXXX ( Please do not send anything to my address ) only email address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XXXX, I purchased a XXXX XXXX XXXX  AND the installation from Home Depot XXXX. The unit was delivered and they scheduled the installation. One month later, the unit started to malfunction. I called them and the first thing they asked me was if it was the unit or the instlalation that was causing the problem. I asked them how am I supposed to know which one it is? I paid for both through them so they needed to fix it. Instead, they told me that I needed to climb a ladder and push a button but because I'm XXXX and XXXX, I couldn't. I called back several times but I reached one lady with HD Technical assistance who told me that I needed a spring. I then called a repair company who came out and installed a XXXX  and charged me {$600.00} but the issue still persisted. So it wasn't repaired with the instllation of a the XXXX I called back again and they said they couldn't help me because it required me climbing a ladder and pushing the buttons. I occassionally take meds for XXXX so I couldn't climb the ladder. I then called another repairman that came out and charge me {$200.00} just to push the buttons on the unit. It worked for about 15 minutes and stopped working again when he left. That's {$800.00} ADDITIONAL WHEN THE ISSUE WAS THAT THE UNIT  WAS DEFECTIVE IN THE FIRST PLACE. IF THEY HAD HONORED THEIR WARRANTY FOR THE UNIT AND THE INSTALLATION, I WOULDN'T BE OUT OF {$800.00}. FURTHER, WHEN THE HOME DEPOT PERSON TOLD ME TO PULL THE XXXX XXXX, THE DOOR SLAMMED DOWN AND COULDN'T BE CONTROLLED SO NOW THE DOOR IS DAMAGED. ALL HD HAD TO DO WAS HONOR THE WARRANTY AND SENT SOMEONE OUT WHEN I FIRST CALLED AND I WOULDN'T BE OUT OF AN ADDITIONAL {$800.00} AND HAVE A DAMAGED DOOR.

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 2025-05-07 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: NY

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 non-monetary relief