vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Summary of Incident : On XX/XX/year>, I received an email indicating that someone named XXXX XXXX. XXXX had attempted to use my XXXX account to purchase an XXXX. Alarmed, I called the phone number listed in the message ( see attached email ). The individual who answeredwhom I will refer to as XXXXclaimed to be a XXXX representative and said they needed to secure my account. 

XXXX provided fake confirmation codes and began installing software on my computer, including XXXX, XXXX XXXX, and XXXX. My monitor turned black, and XXXX claimed to have mistakenly credited my account with {$50000.00} instead of the correct {$600.00}. He pressured me to wire back the excess, saying his job depended on it. 

My computer had been hijacked and rendered inaccessible. I agreed to return the money via check or cashiers check, but XXXX insisted it must be wired. That afteroon, around XXXX XXXX, I visited the XXXX XXXX XXXX branch and asked the banker to confirm the balance of my first checking account. It showed a total of {$140000.00}, which aligned with the alleged deposit. However, I did not ask for the balance of my second checking accountsomething I normally do, and something the cashier would typically offer proactively. 

Had I been shown the negative {$50000.00} balance in my second account, I would have immediately understood the deception and would not have proceeded with the wire transfer. The omission of this standard practice played a pivotal role in the transaction taking place. 

When I later contacted the banks fraud team, I was met with hostility and dismissiveness. One team member became impatient and demanded a binary decisionclose the accounts or leave them open. Another offered to transfer the {$50000.00} back to my first account, but I declined, since I had not initiated any transfer myself. Despite banking with this institution for more than 40 years, I was treated as if I were the scammer. 

On XX/XX/year>, around XXXX XXXX, I finally reached XXXX, a member of the fraud team who listened compassionately and began a proper investigation. 

The following day, I visited the XXXX XXXX branch, where XXXX XXXX  provided excellent service, helping me open new checking and savings accounts and praising Victors thorough documentation of my case. 

That evening, I filed a police report at 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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NH

Complaint narrative:
on XX/XX/year> @ around XXXX i went to deposit {$720.00} into the ATM. ( 1- {$100.00}, 2- XXXX XXXX,26- {$20.00} ) The atm said there was an issue with some of my bills and asked me to take them. the machine did not open and no money came out. it said there was an error and would not be able to give me back my money. then it said to call corporate. no receipt printed, just a paper that said to contact corporate. 

i proceeded to go inside and wait for a teller. the yound man asked whats going on and i told him the ATM ate my money and said it could not give it back. He then told m, XXXX he would have to find a manager and they are busy and if i wanted to wait until another day to come back and handle it.. i said i was just taken {$720.00} in cash from me, with no receipt, id like it handled today.

i was told to take a seat and wait for someone to call me in. i was called into an office and explained again the atm took my {$720.00}. he took my license and bank card and said he filed a dispute. and there is no solid time frame of when i was going to see my cash. i thought it was going to be simple and call someone out to count the atm and give me the variance it ate.

I normally would be patient but a machine took {$720.00} in cash from me, on the XXXX of the month with mortgage due, and XXXX kids who need me to food shop, with no receipts showing it took anything from me, and no one is in an urgent matter to prove my money was taken. wouldnt it make more sense and have less margin for error to call and have the machine counted same day? 

i called corporate after leaving the lobby to see if i could get a direct answer as to when i would see my money back. seeing as if i was to take the banks {$720.00} i would be in prison, and would need to prove i didnt IMMEDIATELY. 

i was told multiple days to review the complaint, 10 days to do anything about it, then up to 45 to see my cash back??? can you imagine someone telling you to wait 2 months to recieve your OWN money back because THEY made a mistake?

im looking for an answer. i understand they don't have a key to the ATM and its from a third party but why cant i be told that there will be an answer to me by a specific date. my bills cant wait because a bank stole my money. the longer it takes the more time there is for error.

it is extremely uncomfortable having your hard earned money in someone elses hands with no receipts and no timeline for investigation.

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 2025-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my TransUnion credit report and found inquiries that do not belong to me. I have attached the inquiries along with the required documents.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX / Account Number : XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report.

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner.

I have contacted TransUnion on multiple occasions to report this account, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, this account has already been deleted by other credit bureaus, as they were unable to verify it under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to this account from the company reporting it, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing this account 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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My debit card was compromised in XXXX and used in several transactions. I immediately contacted the bank and filed a fraud claim. They credited me the money that was used in the transactions. On XX/XX/XXXX, they withdrew all of the money they credited me without any contact to me. I received a letter that said they determined I authorized the purchases. I have been a customer of this bank for XXXX years. My purchasing pattern does not even come close to what was charged on my debit card. The purchases were all made in XXXX at XXXX. The IP number used to order the items is not mine. XXXX of the cities that used my card do not have any contacts that I know. The packages were delivered to my house on XXXX subsequent Fridays when I was out of town. The address listed for shipping does not spell my street as it is spelled. The tracking company used to track the packages is XXXX - not XXXX I am familiar with. The items were ordered overseas at a very high cost. I am appalled that this determination was made without ever consulting me or involving me in the investigation process. I am also upset that the bank withdrew this money without any contact. I am going to request that another fraud claim be opened and will be filing a police report as well. Thank you for your time.

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 2025-08-02 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:
XXXX XXXX XXXX : XXXX Dispute not available XXXX  Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 1 year 8 months 11 days Late payments XXXX XXXX XXXX XXXX : XXXX Dispute not available XXXX  Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 10 months 13 days Late payments XXXX XXXX XXXX XXXX : XXXX Dispute not available XXXX  Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 1 year 9 months 8 days Late payments XXXX XXXX XXXX XXXX : XXXX Dispute not available XXXX  Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 1 year 8 months 12 days Late payments XXXX XXXX XXXX XXXX : XXXX Dispute not available XXXX  Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 2 years 16 days Late payments XXXX XXXX XXXX XXXX : XXXX Dispute not available XXXX  Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 1 year 9 months 8 days Late payments 0 THESE ACCOUNTS WERE OPEN UNDER false Information USING MY SOCIAL security number, NAME, DOB, ETC TO commit IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
XXXX XXXX XXXX : XXXX Dispute not available XXXX  Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 1 year 8 months 11 days Late payments XXXX XXXX XXXX XXXX : XXXX Dispute not available XXXX  Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 10 months 13 days Late payments XXXX XXXX XXXX XXXX : XXXX Dispute not available XXXX  Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 1 year 9 months 8 days Late payments XXXX XXXX XXXX XXXX : XXXX Dispute not available XXXX  Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 1 year 8 months 12 days Late payments XXXX XXXX XXXX XXXX : XXXX Dispute not available XXXX  Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 2 years 16 days Late payments XXXX XXXX XXXX XXXX : XXXX Dispute not available XXXX  Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 1 year 9 months 8 days Late payments 0 THESE ACCOUNTS WERE OPEN UNDER false Information USING MY SOCIAL security number, NAME, DOB, ETC TO commit IDENTITY THEFT.

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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
Im on XXXX and I receive XXXX dollars per month, I had my identity stolen and on XX/XX/XXXX, this person changed my address and banking information with Social Security and my XXXX went to US Bank instead of XXXX XXXX. However, the account the payment went to at US Bank has been closed and Social Security cant pay me until US Bank sends the payment back. This can not happen because the payment account has been closed ; and when I ask US Bank for the money back because XXXX of their depositors fraudulently got the money, they refuse. So when I asked US Bank for the money back, they dont care that fraud exists. They condone fraud.

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 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TN

Complaint narrative:
A deposit was made to my Cash App account last week. My account shows I owe over {$300.00} to pay back my borrowed amount. With my deposit, the borrowed amount was paid back. I should have a credit to my account for approximately {$200.00}. 

I am now on a medical leave with my job and i need the amount to be credited as soon as possible. 

Cash App support has not looked back at the previous deposits and continues to say I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2025-08-02 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: NJ

Complaint narrative:
I am filing a complaint regarding a XXXX ( XXXXXXXX XXXX ) account that I settled with the written agreement that the account would be deleted from my credit report upon payment. I paid the agreed-upon amount in full, and the settlement was completed. However, the account is still showing negatively on my credit report, which is a direct violation of the agreement. 

I have attempted to resolve this matter directly with XXXXXXXX XXXX XXXX but the account remains on my credit reports with negative remarks. This inaccurate and unfair reporting is damaging my credit standing, despite fulfilling the terms of the settlement. 

I am requesting that the CFPB investigate this matter and require XXXX to honor the settlement agreement by permanently removing the account from all three credit bureaus ( Equifax, TransUnion, and Experian ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint regarding a XXXX ( XXXXXXXX XXXX ) account that I settled with the written agreement that the account would be deleted from my credit report upon payment. I paid the agreed-upon amount in full, and the settlement was completed. However, the account is still showing negatively on my credit report, which is a direct violation of the agreement. 

I have attempted to resolve this matter directly with XXXXXXXX XXXX XXXX but the account remains on my credit reports with negative remarks. This inaccurate and unfair reporting is damaging my credit standing, despite fulfilling the terms of the settlement. 

I am requesting that the CFPB investigate this matter and require XXXX to honor the settlement agreement by permanently removing the account from all three credit bureaus ( Equifax, TransUnion, and Experian ).

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 2025-08-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
I have reached out 3 times for a contract with national systems and they have not giving me a contract that XXXX XXXX or XXXX XXXX have sign in the amount owed or obligated to pay. a bill does not mean a contract i am asking for a contract stating that we have done business. This is fraud and unfair credit reporting from an unauthorized party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: IL

Complaint narrative:
I reviewed my Experian credit report and found inquiries that do not belong to me. I have attached the inquiries along with the required documents.

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 2025-08-02 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: CA

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

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 2025-08-02 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: Ocwen Financial Corporation
State: OH

Complaint narrative:
A company name XXXX XXXX XXXX located XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX was listed on my credit report XXXX weeks ago as a second mortgage opened in XX/XX/year> in the amount of {$20000.00}. I only have XXXX mortgage with XXXX Mortgage and I don't know how this came to exist. I tried contacting the company at ( XXXX ) XXXX for additional information but I was not willing to give them my social security number or date of birth, so we were unable to move forward. I then disputed this account with XXXX credit bureaus with XXXX of them returning I am the owner of this account and the dispute was closed. I am not the owner of this account, have no knowledge of this account or company, and I need help.

Company response to consumer: Closed with explanation