vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
About 6 weeks ago I was filing investment papers and noticed that I had an account with BMO that totaled about {$16000.00}. I called the main office in XXXX and I was told that it consisted of 2 accounts. I tried to take out the money but I was unable to give them the necessary information to do so and was told to go to a local BMO for further help. About a week later I went into the BMO in XXXX Kansas. There I was also told that it was 2 accounts and that the total was about {$16000.00} and that the accounts were considered inactive and that no interest had been earned since XXXX. I asked who made the decision the inactivate my IRA accounts and why no interest had been earned since XXXX. I demanded that they look into it and get back with me. I later spoke to XXXX the Manager at this BMO. She said that there was nothing she could do to help me but she did contact the Investment arm of BMO and was told to write me a check for about {$12000.00}. She told me later that she was going to send it certified mail to which I responded and asked her not to do so as I would not accept the check. Two or so days later the check came via certified mail but was refused. 
I later called XXXX about it and demanded again that someone look into why my IRA 's were declared inactive, who inactivated them and why no interest was accrued since XXXX? She contacted her supervisor in XXXX who later contacted me and said that he did average CD rates since XXXX and said that he could give me a measly {$1000.00}. I told him that I thought the interest should be more around {$4000.00} based on an average 2.5 % rate of return and not his 0.3 % actual that he said was a little over 1 %. 
I entrusted my IRA 's in their care when i made the deposits in around XXXX and XXXX and I expected them to manage them properly but they have not done so. 
Your help in this matter would be greatly appreciated.

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 2025-12-08 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:
This account was opened fraudulently and is not mine.

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 2025-12-08 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:
After reviewing my credit reports, I discovered numerous negative accounts that are being reported inaccurately and without the proper documentation required under the Fair Credit Reporting Act. Several accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are showing late payments, charge-offs, or collection statuses without any supporting evidence. None of these furnishers have provided the original contracts, billing statements, payment histories, itemized balances, charge-off calculations, or proof of the date of first delinquency. Some accounts contain long strings of identical CO codes, ND gaps, or inconsistent delinquency patterns that indicate inaccurate or incomplete data furnishing. Additionally, all collection accounts reported by XXXX XXXX and XXXX XXXX XXXX lack chain-of-title documentation, assignment records, or proof that I legally owe the alleged balances. I disputed these items with the credit bureaus, but they were marked as verified even though none of the furnishers produced documentation to support their reporting. This has significantly harmed my credit profile and limited my access to fair lending opportunities.

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 2025-12-08 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:
Please evaluate these materials ; the inquiries came in unpredictably and might not be sanctioned.

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 2025-12-08 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: KY

Complaint narrative:
I was offered this card from US Bank in early XX/XX/year>. I made purchases and sent XXXX payments electronically on the XXXX and XXXX of XXXX. As of the XXXX, they were still not recorded on my account. So I called US Bank, which indicated I should contact the bank that sent the checks and cancel them if needed. The bank that sent the checks indicated that if US Bank had no record of the checks by XX/XX/XXXX, they should be cancelled and a payment made another way. That is what I did, I made a payment of XXXX and cancelled the other payments. 
Now I have made the payment, and then XXXX weeks later, US Bank finds my payments made on the XXXX and XXXX, which I cancelled and charged me payment- cancelled-charges despite DOING EXACTLY WHAT I WAS TOLD TO DO by US Bank. Why am I charged for cancelled payments when the payment was MADE in another fashion, and they are the cause for the delay in applying my payments to my balance?

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$35.00} Reason for Dispute : This account has been previously disputed as inaccurate. The furnisher has not provided proper verification or authenticated documentation validating ownership or accuracy. Under FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), unverifiable accounts must be removed. 

XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : This account continues to report incorrect derogatory data despite prior disputes. No competent evidence confirming reporting accuracy has been provided. Any unverified account must be deleted pursuant to FCRA XXXX ( B ) and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : This account is incomplete, unverifiable, and was previously disputed. Under FCRA XXXX ( a ) ( XXXX ) ( A ), Experian must delete or correct information that can not be verified with absolute accuracy. 

XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : Reporting remains inconsistent and unverified. The furnisher has not provided proper documentation validating the data. This violates accuracy requirements under FCRA 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 2025-12-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
I am filing this complaint because my credit report contains multiple inaccurate items that violate my rights under the FCRA. These accounts were reported without proper verification and continue to harm me financially. I am requesting a full reinvestigation and deletion or correction of every inaccurate item listed below. 

XXXX XXXX XXXX XXXX, OH XXXX This address does not belong to me, has never been associated with me, and should not appear anywhere in relation to my identity. There is no valid link between me and this location, and its presence is inaccurate and misleading. It must be removed immediately. 

XXXX/XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$190000.00} Late Payment This late-payment reporting is inaccurate. I have never been late on this account, and no factual or verified documentation exists that can support this claim. This entry must be corrected to an accurate, on-time payment history because the furnished information does not meet legal accuracy standards. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00} Late Payment The late-payment history is false. I have never made a late payment to this creditor, and any such reporting is inaccurate and unverified. This record must be corrected immediately to reflect my true, on-time payment behavior. 

XXXX XXXX XXXX XXXX BANK XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00} Late Payment This late-payment entry is incorrect, as I have never submitted a late payment. There is no proper documentation or evidence to validate this negative mark. It must be corrected to show on-time payments only. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge-Off I have no knowledge of this account and have never opened or authorized it. Because no verified document These items are harming me, and they violate federal law due to lack of accuracy and verification. I request immediate correction, deletion of unverified information, and confirmation of updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-08 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: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Self Financial Inc.
State: PA

Complaint narrative:
This complaint is intended to supplement my earlier CFPB complaint against Self Financial , Inc. and XXXXXXXX XXXX 
Original CFPB Complaint ID : XXXX After submitting my initial complaint, I contacted Self Financial and spoke with a supervisor named XXXX, badge number XXXX, at approximately XXXXXXXX XXXX on XX/XX/2025. During this call, the supervisor provided critical new information that materially impacts my complaint. 

The supervisor confirmed the following : There is a known system bug in Self Financials platform that prevents expedited payouts from processing electronically.

Consumers who select the expedited payout option are not informed that this feature is currently non-functional due to the system bug.

The app does not notify consumers that they must call in manually to request expedited processing.

As a result of this undisclosed defect, my payout initiated on XX/XX/XXXX has been delayed until XX/XX/XXXX, following the same timeline as a mailed paper check. 
Self Financial is aware of this system issue, but the app provides no warning, no disclosure, and no updated payout timeline, leaving consumers unaware that the expedited feature does not work.

This means the expedited payout option shown in the app is misleading, non-operational, and improperly disclosed. The failure to communicate a known system bug directly resulted in financial harm by denying me timely access to my own funds.

These issues appear to violate several federal consumer protection laws, including : UDAAP ( 12 U.S.C. 5531 ) unfair and deceptive practices, because consumers are harmed by a nonfunctional service that is still presented as operational. Truth in Savings Act and Regulation DD failure to provide accurate and timely disclosures regarding payout timing and fund availability.

Electronic Fund Transfer Act and Regulation E failure to complete an electronic transfer as instructed and failure to notify the consumer of any issue preventing completion.

I am requesting that the CFPB treat this complaint as new, supplemental information connected to Complaint ID XXXX, and that this newly discovered system defect be investigated fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am submitting this complaint regarding LVNV Funding LLC and XXXX XXXX Services, who are attempting to collect XXXX alleged accounts that XXXX claims to own and XXXX is servicing : XXXX XXXX {$1400.00} XXXX XXXX {$1000.00} Credit XXXX Bank XXXX XXXX {$790.00} XXXX XXXX XXXX has contacted me repeatedly regarding these accounts, but neither XXXX nor LVNV has provided proper debt validation as required under the FDCPA. Their letters and messages did not include enough information for me to determine whether the accounts are accurate, legitimate, or legally collectible. 

I have not received : An itemized breakdown of each balance The date of last payment Documentation from the original creditors Proof that the debts were assigned or sold to LVNV Funding Evidence that XXXX has authority to collect these debts on LVNVs behalf Any explanation for recent or updated credit reporting under LVNV I reviewed my credit reports and saw these accounts listed as being owned or furnished by LVNV, but the information is incomplete and does not match any documentation I have ever received from either LVNV or XXXX. 

To protect myself, I issued a Debt Validation, Refusal to Pay, and Cease-Communication Notice to both LVNV and XXXX. I informed them I will not pay unless the debts are validated, and that they must stop all communication except as permitted by law. 

Despite this notice, I have not received proper validation of any of the XXXX alleged accounts. As a result, I can not confirm whether these debts are accurate or legally collectible. 

I am not refusing to resolve any valid debt. I am requesting that LVNV and XXXX comply with federal law, provide full validation, and cease further communication until validation is provided. 

I consent to the CFPB publishing this description after personal information is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: AMERISAVE MORTGAGE CORPORATION
State: TN

Complaint narrative:
I received a very convincing statement of credit denial for a residential mortgage loan, applied for in my name, from AmeriSave Mortgage Corporation. The letter gave a loan number, my information as the applicant and the principal reason for the denial of my loan ( insufficient credit files ). In addition, the letter states " Statement of Credit Denial - soft pull '' Because I have not applied for a mortgage loan, I was concerned that a loan had been applied for in my name. I called AmeriSave to find out that this letter was not due to me having submitted a loan application, but it is essentially a fishing scheme to get consumers to call them so they can sell their services to them. These are not their words, but my understanding after talking to them. There is no application submitted by me for a loan, there was no credit pull, it was a sales tactic to get me to call, then try to get me to participate. Particularly in a time where identity theft and financial fraud seem to loom around every corner, I find this practice abhorrent. I am not in the market for a mortgae loan and have not been for several years. This letter lead me immediately to believe that my personal, financial information had been compromised.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NC

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