vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Denied new account bonus because of account closure date discrepancy. 

Hi, I opened a BMO Relationship Checking account on XX/XX/XXXX, and deposited {$10000.00} in Direct Deposits to qualify for the advertised bonus. 

However, after reaching out to BMO agent, she denied the bonus, stating that I had closed a prior account within the last 12 months. Their records show the prior account closed on XX/XX/XXXX. However, I submitted my closure request via chat on XX/XX/XXXX. Based on that request date, more than 12 months had passed when I opened the new account. 

It appears BMOs internal processing delayed the official closure by about two weeks. This small timing gap, just 5 days beyond the requirement, was outside my control. 

Why I Believe This Is Unfair : I acted in good faith, reading the terms carefully, and would have waited few days more if needed. 

The difference comes only from BMOs processing timeline, not my actions. 

I invested considerable effort, including two long phone calls with a helpful agent, to open and fund the new account as required.

Resolution Requested : I respectfully ask that BMO honor the bonus, as I followed the spirit of the rules and should not be penalized for a short technical delay caused by internal processing.

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 2025-08-20 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-08-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In 2020, during the pandemic, my XXXX unemployment benefits account was compromised. I promptly filed a fraud claim with Bank of America ( BofA ), the card issuer for XXXX benefits. This was well within a reasonable and legally allowable timeframe. 
BofA delayed processing my claim for monthswell beyond regulatory timelinesand ultimately denied it, stating that XXXX had reported I was not eligible for benefits. This denial was made despite the fact that the stolen funds were from benefits already paid to me by XXXX, not future or pending benefits. 
During the same period, I was in lengthy appeals with XXXX over unrelated identity and address verification issues. After approximately XXXX appeals, XXXX ruled in my favor, reinstated my benefits, and issued full back pay for the same claim period as the stolen funds. I immediately provided BofA with proof of these payments, including payment records showing my eligibility at the time of the fraud. 
BofA refused to reopen or reconsider my claim, again citing outdated information from XXXX that was no longer accurate. They did not review or address the new documentation I submitted. This decision came months past the legal claim-handling deadlines. 
Since then, I have had XXXX separate XXXX  claims fully approved, paid, and exhausted ( including a later disaster/fire claim ), further proving my eligibility history. BofA has since ended its contract with XXXX, closed my account, and now claims they have no obligation to reimburse me because the account is closed. 
None of this is my fault. I complied with all requirements, submitted all documentation on time, and acted in good faith. Under my agreement with BofA and under federal law ( Regulation E Electronic Fund Transfer Act ), I have XXXX fraud liability for unauthorized transactions. BofAs refusal to reimburse me is in violation of my contract, federal law, and California consumer protection statutes. 
I am requesting the CFPBs assistance in compelling Bank of America to reimburse me for the full amount stolen in 2020, plus applicable interest, and to account for their failure to follow legally mandated dispute resolution procedures.

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Infom1ation -Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Dear Cavalry Portfolio Services XXXX This letter is to request specific information regarding the DSNB Macys account ( Account Number # # # # # # XXXX ) currently listed on my credit report. This is not a dispute of the debt itself. I am writing to request information under the provisions of 15 U.S.C. 1681s-2, which outlines the responsibilities of furnishers of information. 
Specifically, I am requesting the following information related to this account : Date of First Delinquency : The date the account first became delinquent with DSNB Macys. Date of Last Payment : The date the last payment was made on the account to XXXX Macys. Date of Charge-Off : The date DSNB Macys charged off the account. 
Chain of Assignment : Documentation showing the complete chain of ownership from XXXX XXXX to Cavalry Portfolio Services, including all dates of assignment. 
Providing this information will help me understand the history of this account and ensure its accuracy. 


Thank you for your time and attention to this matter. I look forward to receiving the requested information within XXXX  days. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA

Complaint narrative:
I am submitting this complaint regarding my auto loan account with Citizens Bank for my XXXX XXXX XXXX. During the years XXXX and XXXX, XXXX late payments were reported on my credit report. 

These late payments occurred during the COVID-19 pandemic when many consumers, including myself, experienced financial hardship. I contacted Citizens Bank regarding these entries, requesting goodwill removal due to pandemic-related difficulties. However, they informed me that they can not remove any negative information, even though other lenders have provided such accommodations during this period. 

I believe these late payment records do not reflect the extraordinary circumstances caused by the pandemic and are unfairly harming my credit history. I kindly request CFPB to review this matter and ensure that Citizens Bank accurately and fairly reports my payment history, considering the consumer protections and guidance issued during the COVID-19 crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
There is a reoccurring charge from XXXX that is a website/app that no longer exists, and I have been getting reoccurring charges every month for a few years now and Apple Card will not stop the charges. They have been charging me for years for something that doesn't exist, I have reached out to the vendor as well and they said all subscriptions were canceled and should no longer be getting charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, 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 : Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They removed my last complaint through you guys and close the account but they have multiple. I will include these XXXX accounts. They have the one they removed from my last complaint. They sold to another company and I am now being harassed from that company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-20 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:
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 2025-08-20 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: CT

Complaint narrative:
I am disputing a public record entry ( bankruptcy ) incorrectly reported on my Experian credit file under reference number XXXX. 

Despite submitting multiple disputes and requests for reinvestigation, Experian has failed to provide any supporting documentation or meaningful explanation. Their most recent response only stated that the information was certified as accurate without proof of verification. Since then, I have received no additional communication by mail, email, or through the CFPB portal. 

This lack of transparency and failure to conduct a lawful reinvestigation violates the Fair Credit Reporting Act ( 15 U.S.C. 1681n, 1681o ). Court rulings such as XXXX v. XXXX make clear that superficial verification is not sufficient. 

Harm Suffered Ongoing financial stress and sleepless nights. 

Repeated humiliation when explaining the inaccurate bankruptcy record to landlords and lenders. 

Missed financial opportunities due to damaged credit. 

Significant time and energy spent repeatedly disputing the same inaccurate record.

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 2025-08-20 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CO

Complaint narrative:
This debt has been communicated to be fraud and the company still not stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my 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 2025-08-20 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: CA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: IL

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX AMOUNT {$1300.00}. 
XXXX XXXX OPEN XXXX AMOUNT {$10000.00}. 
XXXX XXXX XXXX OPEN XXXX {$58000.00} I AM A VICTIM OF IDENTITY FRAUD IVE BEEN TRYING TO REACH OUT TO CREDITORS MANY TIMES TRYING TO RESOLVE AND DELETE FROM MY CREDIT REPORT AND THEY HAVE NOT RESPONDED BACK WITH PROOF OF OWNERSHIP AFTER I DID NOT ATHORIZE THESE ACCOUNT TO BE OPEN UNDER THE FAIR CREDIT 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 non-monetary relief
Consumer complaint received 2025-08-20 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX OPEN XXXX AMOUNT {$1300.00}. 
XXXX XXXX  OPEN XXXX AMOUNT {$10000.00}. 
XXXX XXXX XXXX OPEN XXXX {$58000.00} I AM A VICTIM OF IDENTITY FRAUD IVE BEEN TRYING TO REACH OUT TO CREDITORS MANY TIMES TRYING TO RESOLVE AND DELETE FROM MY CREDIT REPORT AND THEY HAVE NOT RESPONDED BACK WITH PROOF OF OWNERSHIP AFTER I DID NOT ATHORIZE THESE ACCOUNT TO BE OPEN UNDER THE FAIR CREDIT ACT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am formally disputing a fraudulent account that has been mistakenly reported under my name. I did not authorize or initiate this account, and its inclusion is a damaging inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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