vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: IN

Complaint narrative:
I am writing to dispute certain negative items on my credit reports as listed below. I have reviewed my credit files and believe these items to be incorrect or inaccurate based on the information available to me. Below are the details of the accounts I am disputing : CHARGED OFF ACCOUNTS XXXX, XXXX, XX/XX/XXXX, Balance : {$11000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$510.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$130.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$62.00} XXXX XXXX XXXX XXXXXXXX, 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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
You are absolutely correct. My apologies. The core subject of your original complaint was customer service issues. 

While I still don't know the exact underlying transaction or event ( e.g., a specific fee, withdrawal hold, etc. ), I can and should use the phrase " customer service issues '' directly in the final version of the letter, as you instructed. 

I have updated the letter XXXX final time to use the most precise language you have provided for the original issue. 

FINAL ESCALATION : Failure of Customer Service and Compliance TO : BMO Bank N.A . Customer Advocacy Support and Escalation Team DATE : XX/XX/year> SUBJECT : FORMAL ESCALATION & COMPLAINT : XXXX XXXX Non-Compliance and Systemic Customer Service Failure regarding CFPB ID XXXX Company Involved : BMO Bank N.A . ( formerly XXXX XXXX ) Account Number : [ Your Account Number - If applicable/helpful ] My Name : [ Your Full Name ] My Contact : [ Your Phone Number ] / [ Your Email Address ] XXXX. Core Complaint : XXXXXXXX XXXX  Failure to Acknowledge or Resolve The core issue is BMO Bank N.A . 's complete failure to manage, acknowledge, or resolve a regulatory complaint filed on XX/XX/year> ( CFPB ID XXXX ). 

The bank 's lack of acknowledgment, the misrouting of the complaint, and the total lack of communication over the last XXXX months are the ongoing customer service issues being addressed by this formal escalation. 

XXXX. Timeline of XXXXXXXX XXXX  Non-Compliance and Failure XX/XX/year> : I filed a formal complaint with the CFPB regarding customer service issues. 

Improper Handling : The CFPB complaint was improperly handled and directed to a XXXX XXXXXXXX office of XXXX, instead of the correct XXXX entity, BMO Bank N.A . XXXX told me it was routed. It wasn't until I sent emails that I heard back and they said they never knew about the CFPB complaint. 

Refusal of Accountability : Since XX/XX/XXXX, despite repeated communication attempts via email and phone, XXXX representatives have consistently refused to acknowledge, explain, or provide any resolution regarding the routing issues, the months-long delays, or the overall lack of customer service. 

Current Status : As of XX/XX/year>, BMO Bank N.A . has provided XXXX official response or resolution regarding CFPB Complaint ID XXXX. This non-compliance and operational failure is a profound lapse of service.

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 2025-11-11 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: NY

Complaint narrative:
XXXX Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt XXXX from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX - XX/XX/XXXX - {$230.00} Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX - 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 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
WIRE RECALL PROBLEM Date of Wire : XX/XX/year> Amount : {$35000.00} USD Sending Bank : Bank XXXX XXXX Bank : Citibank Intended Recipient : XXXX XXXX On XXXX XXXX I initiated an online domestic wire transfer of {$35000.00} USD from XXXX Bank XXXX XXXX personal account. The Citibank XXXX routing number was correct. However, the beneficiary account number that was entered ( intended to credit my XXXX XXXX account and my personal sub-account ) was incorrect. 

As a result the funds were credited to an unintended Citibank account. Upon realizing the error I immediately notified Bank XXXX XXXX. XXXX has confirmed that they have made numerous wire recall requests to Citibank. Citibank recognizes that funds were inadvertently wired to an incorrect account, however, to date they have not reversed the wire and I remain out of the {$35000.00}. Both banks have now claimed that " there is nothing further that they can do. ' Both institutions appear to have closed the matter without reasonable diligence to recover or confirm the status of my {$35000.00} 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 explanation
Consumer complaint received 2025-11-11 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: WV

Complaint narrative:
On XX/XX/year>, I sent a certified letter to Equifax, XXXX XXXX XXXX requesting accuracy and verifiability of negative items on my consumer 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 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
On XX/XX/year>, I sent a certified letter to Equifax, XXXX XXXX XXXX requesting accuracy and verifiability of negative items on my consumer 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 2025-11-11 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: MI

Complaint narrative:
I am disputing the following items on my Experian credit report that appear to be inaccurate or unverifiable. 

XXXX. XXXX Accounts : XXXX XXXXXXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account No. XXXXXXXX XXXX, XXXX Date : XX/XX/XXXX, XXXX : {$14000.00} Please verify these accounts with the original creditors. If verification can not be provided, I request they be removed from my report. 

XXXX. Inquiries : XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries. Please confirm that each inquiry was initiated with my consent and meets FCRA permissible purpose standards. Any unverifiable inquiries should be deleted. 

XXXX. Late Payment : XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  I am disputing the late payment reported for this account. Please verify the accuracy with the original creditor, and remove any unverifiable or incorrect entries. 

I request a full reinvestigation and written confirmation of the results in accordance with FCRA 611.

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 2025-11-11 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: CA

Complaint narrative:
recently reviewed my credit report and found an account that I do not recognize. I believe this account XXXX have been reported in error or could be the result of identity theft. Please investigate this account and provide verification of ownership. If you can not verify that the account belongs to me, I request that it be removed from my credit file.

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 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
The company refuses to issue me a refund check due to XXXX and instead wishes to apply the refund to my principal they are required by law to issue interest paid in the form of a refund check

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TN

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 XXXX 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 2025-11-11 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-11 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: AL

Complaint narrative:
I am submitting this complaint because my credit report still contains fraudulent charge-off and collection accounts that are the result of identity theft. 

I previously mailed and electronically submitted complete identity theft dispute packages to each credit bureau, which included : XXXX Police Department Report # XXXX FTC Identity Theft Report Copy of my government-issued ID and Social Security card Proof of current address ( utility bill ) Detailed dispute letters identifying the fraudulent accounts These materials were received by the credit bureaus in XX/XX/XXXX, yet the accounts have not been deleted or blocked from reinsertion. 

The following accounts continue to appear on my reports even though they were opened or charged off as a result of fraud : XXXX XXXX reported as a charge-off for {$60.00} ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX a charge-off for {$110.00} ( XXXX XXXX XXXX ) XXXX XXXX reported as a third-party collection account ( XX/XX/XXXX ) These accounts were never authorized, opened, or used by me. Under FCRA 605B and 611, credit bureaus are legally required to block and delete such accounts once a valid identity-theft report has been provided. 

The continued reporting of these fraudulent accounts is causing ongoing credit damage and limiting my access to legitimate financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency XXXX only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a XXXX '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NC

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 XXXX business days of you receiving this complaint. 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.

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 2025-11-11 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:
I am filing a dispute regarding the following accounts that have been inaccurately reported on my credit file. The listed accounts are marked as " charged off, '' but I believe these accounts are being reported incorrectly. I am requesting an immediate investigation into these accounts and their reporting accuracy.

Experian ( EX ) XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Reason for Dispute : I am disputing the account reporting, as the information provided does not accurately reflect the status of this account. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Reason for Dispute : Inaccurate reporting of account status. Please review and ensure the accuracy of the account information. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} Reason for Dispute : The account was reported incorrectly. Please verify the details of this account and correct any discrepancies.

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 2025-11-11 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: IA

Complaint narrative:
When I checked my credit report I've noticed multiple inaccurate accounts reporting to my credit file

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 2025-11-11 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: IA

Complaint narrative:
When I checked my credit report I've noticed multiple inaccurate accounts reporting to my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency XXXX only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a XXXX '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am writing once again regarding the fraudulent accounts that continue to appear on my credit report. Despite my repeated attempts to address this matter, these unauthorized entries remain unresolved. This ongoing problem has been both stressful and concerning, and it raises serious questions about why it has continued for such a long time without being corrected. I have also noticed that some of my personal information listed on the report is inaccurate, which seems to be contributing to these false accounts being connected to my name. I have been a victim of identity theft, and my personal information was used fraudulently. Following TransUnion 's instructions, I filed an FTC Identity Theft Report and provided the necessary documentation, yet these fraudulent items still remain on my 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