vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to open a bank account at a XXXX branch. My application was denied based on information from ChexSystems and XXXX. Neither companys reports contain any negative or delinquent banking history. 

The banker at the branch announced my denial loudly, causing public embarrassment and humiliation. Another customer even turned to look at me as if I had done something wrong. This behavior was inappropriate and unprofessional. 

I believe BMO improperly relied on irrelevant or incomplete consumer reporting data and violated my privacy under the Fair Credit Reporting Act and Equal Credit Opportunity Act. 

Requested action : Investigate BMOs handling of my personal data and denial decision. 

Confirm whether XXXX used XXXX data correctly. 

Ensure staff are trained on consumer privacy during adverse actions.

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 2025-10-22 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: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the following accounts currently reported on my XXXX credit file : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under my rights provided by the Fair Credit Reporting Act ( FCRA ), I am requesting that XXXX conduct a complete and thorough reinvestigation of these accounts. I believe the information reported is inaccurate, incomplete, or unverifiable. Pursuant to FCRA 602 ( A ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Under 607 ( B ), XXXX must maintain reasonable procedures to assure accuracy, and under 611 ( A ), I have the right to dispute and request reinvestigation of any information I believe to be incorrect. 

Additionally, my personal information has been exposed through multiple data breaches involving T-Mobile, healthcare providers, and all major credit bureaus. These breaches have compromised sensitive identifying information, and I am concerned that some inaccurate data may have resulted from these incidents. Given the heightened risk of identity compromise, I am requesting that XXXX take extra care to verify the validity of these accounts. 

If XXXX can not verify the accuracy and completeness of these accounts within the time allowed by law, please delete them from my credit file immediately. Please provide me with the results of your investigation in writing at the address listed above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CT

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

2. Identity Theft XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

3. Identity Theft XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove 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 2025-10-22 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: CT

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Identity Theft XXXX XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. Identity Theft XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove 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 2025-10-22 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
The continued presence of this account has been mentally taxing and emotionally difficult. All supporting evidence is provided for prompt resolution.

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 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Good evening. 

I filled a complaint on XX/XX/XXXX regarding a fee that was charged to my XXXX credit card. " Good morning. I set up a payment plan with my card, I paid the full amount of the purchase on the first statement, so I called to have the {$82.00} fee removed, but they said that even though I paid in full and I did not used the payment plan, the fee was not going to be removed. '' Keep in mind that once you set up the plan, you can NOT cancel it, even BEFORE the statement closes, even just right after setting the payment plan. They do say on their page that if you pay the balance in full, you won't be charged the " fee ''. 

So far, the credit card did not respond to my complaint. Today when checking my statement, to my surprise, I was charged {$74.00} fee for that payment plant, that I paid in full on XX/XX/XXXX. 

I'm looking to get reimbursed {$150.00} for the " fees '' wrongfully charged. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

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
Consumer complaint received 2025-10-22 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: GA

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
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Capio Partners, LLC
State: AL

Complaint narrative:
capio partners or contacting me about a debt i have no knowing of calling me and the amount is XXXX $

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX or eighth, I attempted to pay a service guy for XXXX XXXX at XXXX of my properties cash app. I tried the transaction twice the transaction never completed on his end. I didnt completed the transactions with the service guy using a different method and on XX/XX/XXXX is when I could see the transactions Indeed had successfully completed via my bank account. I didnt reached out to my bank to see if we could get these charges reverse with my credit union not having access to do that simply because theyre not into third-party mobile app transfers. So then I reached out to Cash app who instructed me to do a dispute. I did the dispute in XXXX to 5 days later. I was denied a refund on both transactions I appeal the decision and in a minute was denied again to this very day. The transactions are still reading or waiting on the recipient whose name is XXXX submit a refund with XXXX can not do because XXXX does not have cash app. So the surface person ( XXXX ) wasnt able to respond to XXXX apps request to return the funds to this day. He has not received the funds and the account still reads waiting on him to respond to the request of a refund even though they have denied me I put in an appeal and minutes later, they denied me again, as if theyre refusing to even look any further into this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AZ

Complaint narrative:
I sent XXXXn, TransUnion, Equifax my FTC report, License and police report. I am a victim of 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 2025-10-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/2025, my XXXX XXXX XXXX Card, issued by Synchrony Bank, was mishandled in a way that caused significant and unnecessary harm to my credit. 

Synchrony Bank closed my account twice without prior notice or valid explanation, which resulted in a XXXX drop in my XXXX XXXX. In addition, they incorrectly reported my account as 30 days late, even though I was never contacted by phone, mail, or email regarding any missed payment or issue before the reporting occurred. 

When I reached out to Synchrony Banks customer service, they admitted this was an error and acknowledged that the delinquency should not have been reported. The representative confirmed that the mistake was on their end and that a goodwill adjustment letter was being submitted to the credit bureaus to correct the reporting. 

While I appreciate their admission and willingness to issue a goodwill correction, I am submitting this complaint to ensure Synchrony Bank and XXXX XXXX XXXX XXXX follow through completely with their retraction and that my credit reports are properly corrected. Past experiences with similar issues have shown that promised updates are not always carried out promptly or accurately, and I want to ensure this is resolved fully and permanently. 

My address for identification and correspondence is : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
Identity Theft Request to Block Fraudulent Account and inquiries under FCRA 605B I am writing to formally request the blocking of fraudulent account and inquiries that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation. 
The following fraudulent account and inquiries were initiated without my knowledge or authorization. 

The fraudulent account is XXXX  XX/XX/year> ( ACCOUNT NUMBER - XXXXXXXX XXXX XXXX XXXX XXXX  ). 

The fraudulent inquiries from EQUIFAX : XXXX XXXX XXXXXXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX The fraudulent inquiries from TRANS UNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent inquiries from EXPERIAN : XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX - XXXX As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address. 
All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. 
Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. 
This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law. I am not requesting a fraud alert to be placed on my credit file. 
Do not place any fraud alert or security alert on my credit report as part of this request. 

Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal 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 2025-10-22 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: CA

Complaint narrative:
Identity Theft Request to Block Fraudulent Account and inquiries under FCRA 605B I am writing to formally request the blocking of fraudulent account and inquiries that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation. 
The following fraudulent account and inquiries were initiated without my knowledge or authorization. 

The fraudulent account is XXXX  XX/XX/year> ( ACCOUNT NUMBER - XXXXXXXX XXXX XXXX XXXX XXXX  ). 

The fraudulent inquiries from EQUIFAX : XXXX XXXX XXXXXXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX The fraudulent inquiries from TRANS UNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent inquiries from EXPERIAN : XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX - XXXX As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address. 
All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. 
Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. 
This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law. I am not requesting a fraud alert to be placed on my credit file. 
Do not place any fraud alert or security alert on my credit report as part of this request. 

Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law.

Company response to consumer: Closed with explanation