vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally raise a complaint regarding a highly concerning issue involving my closed bank account and the unreturned balance associated with it. 

I opened a BMO relationship checking account with BMO at the end of XXXX. The account number was XXXX. In XX/XX/XXXX, the account was unexpectedly and unilaterally closed by BMO without any prior notice or explanation. 

At the time of closure, the account held a balance of over {$10000.00}, which I have yet to receive. Despite my repeated attempts to obtain information and recover these fundsincluding multiple phone calls to BMO, visits to local branches, and requests made through branch tellers to escalate the issue via email on my behalfI have received no meaningful response or resolution.

In one particularly troubling instance, I contacted BMO 's Fraud Prevention department and was met with unprofessional and rude behavior. I was told that the funds had been sent to an " unclaimed funds '' account and that there was no way for me to recover them. This response is not only unacceptable but also contradicts my legal rights as the rightful account holder. 
It has now been well over a year since the account was closed, and I have yet to receive a check or any documentation regarding the disposition of my funds. The lack of transparency and assistance from BMO has caused me significant XXXX  and financial uncertainty.

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 2025-08-04 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: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : 2019XXXX, Balance : {$20000.00} XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : 2019XXXX, Balance : {$730.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/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 explanation
Consumer complaint received 2025-08-04 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I received a notification from XXXX  stating that I had a late payment on my credit report from a company called Credit Acceptance that I am a co-signer for during the month of XXXX.. I reached out to the company as soon as I received notification and made them aware that I was never contacted regarding this issue, and had I been, I wouldve paid the outstanding balance of {$290.00}.. They responded by saying that they did not need to contact me because they had already spoken to the primary account holder, even though this company contacts me every time a payment is late, I never received any phone calls for the month of XXXX, XXXX or XXXX, so naturally I assumed the account was in good standing.. I take my credit very seriously and have never had a late payment on my credit report up until this point..

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is XXXX  me out and making me XXXX. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
I am writing you about the Fraudulent use of my social security number due to the XXXX Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any accounts that I have ever opened. It is the result of identity theft. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX 3. 
XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. 
DEPT OF ED/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. 
XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  10. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 11. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: ID Analytics, Inc.
State: CO

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a XXXX XXXX  residing in XXXX, Florida with an excellent credit history ( score over XXXX ). I hold a XXXX XXXX XXXX XXXX  XXXX  that was compromised in late XXXX. 

On XX/XX/year>, I discovered approximately {$3500.00} in unauthorized charges on the account. I immediately reported the fraud to XXXX XXXX and had the card cancelled. I also went to the local police department and filed a police report documenting the incident. 

A few days later, I called back to provide Citi with the police report details and emphasized that I was not responsible for these transactions. I was assured the matter would be fully investigated. 

On XX/XX/year>, I received a call from someone identifying as an investigator for Citi. He asked me only three general questions about the card use and timeline. On XX/XX/year>, I received a letter from Citi stating I was found responsible for the chargeswithout providing any supporting evidence or explanation of the investigation. 

I have now called Citi three separate times to request a reevaluation of the case. Each time, I was told that the investigation would be reopened and that someone would follow up. No one has contacted me since. The situation remains unresolved and I am now being held liable for fraudulent charges that I clearly reported promptly and supported with documentation. 

I am extremely concerned that this mishandling of a clear case of credit card fraud will damage my credit and financial standing through no fault of my own. I have done everything correctly : I reported the fraud immediately, provided a police report, and cooperated fully. I am now left with a {$3500.00} charge that is not mine and a customer service process that has stalled entirely.

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 2025-08-04 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed a late payment that appears to have been recorded in error. This may have resulted from an internal delay or a system processing issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
they violated my rights as a consumer under 15usc 1681b and I need these items blocked and deleted off my credit report as soon as possible.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a credit monitoring alert to advise me that Capital ONE had pulled my credit ( a hard credit pull ) on XX/XX/year>2025, which caused my score to go down. Hard inquiries are generated when there is a new request for credit except I have NOT applied for credit with Capital ONE. I do have an old KOHLS charge account, at a XXXX balance, that I rarely use. KOHLS recently sold these accounts to Capital ONE. This decision to sell my account or account information, was NOT my decision. Nonetheless, the account was sold and since then, Capital ONE has made an inquiry that I did not authorize. They have been unable to provide me any information. I tried to dispute this hard inquiry with the credit agencies, and unfortunately due to my hyphenated last name & a recent change of address, it's proven to be incredibly difficult to access my account online to complete the disputes successfully. XXXX  also advised that the ONLY WAY I can dispute a hard inquiry is to file a complaint with CFPB, and send a paper copy of this dispute BY MAIL ... exacerbating an already frustrating experience. I was able to submit a dispute with XXXX  digitally ( after hours of troubleshooting login issues ). And I am now going to TRY to dispute this with XXXX. ANY HELP CFPB can offer here with this, would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX Re : Request for Debt Validation RE : Method of Verification Request - FCRA Section XXXX To Whom It May Concern, I recently disputed several accounts on my Experian, Transunion and Equifax credit report. I received your response stating that these accounts were " verified as accurate. '' However, under the Fair Credit Reporting Act ( FCRA ), I am formally requesting that you provide me with the method of verification for the following accounts : - XXXX XXXX XXXX Acct # XXXX - XXXX XXXX Acct # XXXX - XXXX  Acct # XXXX As allowed under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ), I am requesting a description of the procedure used to determine the accuracy and completeness of this information, including : - The name, address, and phone number of the party who verified the account - Copies of any documents or contracts with my signature used to verify the account If you are unable to provide this information, I demand that these accounts be deleted from my credit file immediately.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is XXXX  me out and making me XXXX. Hope you can address this soon, please.

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 2025-08-04 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: GA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is reporting a derogatory account to Consumer Reporting Agency ( CRA ), and has accessed my credit report on a near daily basis without a valid permissible purpose, in violation of FCRA 1681b ( f ).

Ive issued two formal validation requests under FDCPA 1692g, yet XXXX has not provided any verification or validation of the alleged debt. Theyve also failed to send written disclosures required under 12 CFR 1006.30 ( a ) prior to furnishing negative data to CRAs. 

The debt appears linked to XXXX XXXX, who has stated in a federal CFPB response that they do not recognize me as a customer. Therefore, XXXX is falsely representing ownership of a previously disputed and deleted account ( FDCPA 807 ) and reporting unverified information ( FCRA 623 ( a ) ( 1 ) ). 

I've since mailed XXXX a Notice of Violations, an Affidavit of Facts, and a formal Invoice for damages. They continue to report and access without demonstrating any legal standing or proof of claim.

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 2025-08-04 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-08-04 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: Source Receivables Management LLC
State: IN

Complaint narrative:
XXXX  is continually letting imposters use my credit and letting them. Ive expressed concerns too many times for this to still Happen. 
XXXX is XXXX, XXXX  XXXX, XXXX, XXXX, XXXX  XXXX, and XXXX  all fraudulent account. 

XXXX  is doing the same With names, socials, addresses, phone number, and accounts my birth year is incorrect. 
XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXX  XXXX, and XXXX  XXXX. 

Please read and review and only report correct info

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: GA

Complaint narrative:
The original amount that was taken over from the previous company was approximately $ XXXX. despite the fact that I have been on the XXXX program through the time my loans have been held by EdFinancial, my account balance increased to $ XXXX from accruing interest which is not supposed to happen. I originally reached out to this company XXXX XXXX, XXXX  to enquire about this discrepancy and was told on XX/XX/XXXXXXXX  " A request has been sent to review the interest discrepancy. Please allow time for processing. ". I reached out again in XXXX of XXXX and was told the matter was still being investigated. It is over 1 year later and I have yet to hear from EdFinancial about why my account has grown nearly $ XXXX in interest despite being on a plan that should not be allowing interest to accrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: OH

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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