vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Premier Account Management
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX RE : Dispute of Charge-Off Unauthorized Account / Fraudulent Address Use To Whom It May Concern, I am writing to formally dispute the accuracy of information being reported by your institution regarding an account allegedly opened in my name and charged off. Specifically, this account is falsely associated with an address I have never lived at : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This account does not belong to me, and I demand a full investigation into the matter. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request full validation of this debt, including but not limited to : A copy of the original signed application or contract bearing my signature and authorization. 
A complete payment history and breakdown of the balance allegedly owed. 
Documentation showing the date of charge-off, and the rationale behind it. 
The origin of the address associated with this account and how it was verified. 
You are currently reporting inaccurate and damaging information to the credit bureaus, which constitutes a violation of the FCRA if not corrected promptly. I demand that you either : Provide original documentation validating this account, or Immediately delete this account from any and all credit reporting agencies to which you have reported it. 
If I do not receive proper validation within 30 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office for violating my consumer rights. 
This is a formal dispute. Please respond in writing only. I am keeping detailed records of this correspondence for legal purposes. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
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: CA

Complaint narrative:
On XX/XX/year>, I submitted lawful trust documents to open a fiduciary account at BMO for XXXX XXXX XXXX XXXX XXXX XXXX The branch stated my documentation was forwarded to BMOs legal department for review. 
On XX/XX/year>, I was told my documents were not right and that the bank would not open the account. I requested a written reason or citation to policy, but none was provided. This violates federal banking transparency and record keeping standards under the Bank Secrecy Act and consumer protection rules requiring clear, written communication when an application is declined. 
I have since emailed the branch ( XXXX XXXX and XXXX XXXX ) requesting a written determination and identification of the legal or procedural basis for rejection. BMO has not provided any written response or explanation. 
I believe this refusal was made improperly and without compliance to consumer disclosure obligations. I am requesting that BMOs compliance or legal department issue a written determination identifying the specific reason and internal policy used to deny the application. 
I no longer seek to open an account with BMO but require a lawful written record of their decision for fiduciary and regulatory purposes. A Internal Complaint was filed over the phone with BMO Customer Service, complaint # XXXX as well.

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: LA

Complaint narrative:
I am writing to advise that I am a XXXX XXXX XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-22 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
Under the 7-7-7 Rule of law, this company named 1st heritage keeps contacting me over 30 times a month. Ive reached out and told them numerous times that Im not able to pay the debt right now and theyre constantly harassing me. If I respond to their call it gets worse.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was denied for an apartment on behalf of a XXXX report and went through the process with them and XXXX XXXX of resolving the account. 

I resolved the account same-day ( XX/XX/XXXX ) and sent the Satisfaction Letter to XXXX verifying that the debt was paid. They were supposed to let the apartment complex know but never did, so I could not move in. 

I applied for another apartment yesterday ( XX/XX/XXXX ) and now that I had the Satisfaction Letter to show that the reported debt was taken care of, XXXX still will not alert the apartments. XXXX told me to talk to Experian who they receive information from. XXXX states that they submitted a deletion request on XX/XX/2025, and again on XX/XX/2025. Experian says that they can not give me a status update on either case despite my Satisfaction Letter. They refused to confirm that they had reached out to the creditor XXXX XXXX and says they have not received a deletion request. 

At a minimum the account should have been deleted by XXXX from the XX/XX/XXXX request from XXXX. If we are working based on the XX/XX/XXXX request, we are nearing the XXXX time frame and I have received no updates, inquiries, and can not get a status update or a letter for my apartment. I do not currently have a place to stay and am a veteran, so this is stressful. I have paid all rent on time and have rented at 2 other locations over 3.5 years with no problem before this.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
I discovered multiple unauthorized/fraudulent electronic fund transfers from my Chime checking account showing XXXX as the merchant, even though I have never opened or used any XXXX account. These were fraudulent withdrawals made without my authorization or consent. 

I immediately reported the issue to Chime, requesting a full Regulation E investigation and provisional credit as required under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ; 12 C.F.R. 1005.11 ). Despite my timely report and follow-ups, the bank has not provided documentation of its investigation or refunded the stolen funds. 

I also contacted XXXX, but they confirmed that no account in my name exists and referred me back to my bank. This confirms the charges were unauthorized and stem from misuse of my financial information. 

I am requesting the CFPBs assistance to compel Chime to comply with its obligations under the EFTA and Regulation Especifically : to issue provisional credit, provide written results of its investigation, and permanently refund all unauthorized withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The deletion or blocking of accounts due to potential unauthorized inquiries is governed by FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute accounts reported on my consumer credit report, which may stem from potential fraud or unauthorized activity. I request verifiable evidence bearing my signature or electronic signature. This letter represents my personal request, and I kindly ask for your thorough review. I do not recall authorizing these actions, which may constitute a violation of my consumer rights under the Fair Credit Reporting Act 's Section 604. I have already contacted the relevant companies and found that these actions appear to have been initiated without compliant validation or original proof from any of the reporting entities. 

XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am filing this complaint because Synchrony Banks Fraud Solutions Team wrongfully denied my fraud claim despite having full knowledge that the account in question was used without my authorization during a period of documented XXXX  XXXX and identity abuse. 

On XX/XX/year>, I received a denial letter from Synchrony stating that I authorized, participated in, or benefited from the purchase, that payments were made by me, and that the account has been open for more than 12 months. 
These statements are factually false, unsupported by evidence, and dismissive of the official police report I submitted. 



Detailed Background I was in an abusive relationship lasting over a year, during which my ex-partner had control of my phone, personal data, and access to my accounts. 
The XXXX XXXX XXXX was used to pay a phone bill for a device I did not possess or control during that time. 
Any payments made were either automatic drafts or transactions made before I understood my consumer rights and the extent of the fraud. 
My ex and I shared the same address, which Synchrony appears to have misinterpreted as proof of my participation.

Synchronys assumption that I received monthly statements or benefited from the account is unfounded, as my abuser routinely intercepted my mail and digital access.

Synchrony ignored the police report detailing these facts and provided no documentary proof that I personally authorized the disputed transactions such as signatures, IP logs, device verification, or merchant documentation.

Violations Synchrony Banks handling of this matter violates : Fair Credit Billing Act ( 15 U.S.C. 1666 ) Failure to conduct a good-faith investigation of a billing error or unauthorized use.

Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) Failure to reasonably reinvestigate after receiving notice of dispute and police documentation.

Regulation Z ( 12 C.F.R. 1026.13 ) Failure to provide documentary evidence substantiating their claim denial.

FCRA 1681n ( Willful Noncompliance ) Willfully disregarding the abuse context and police evidence.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Incorrect Address on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information being reported on my Equifax credit report. Specifically, the address listed below is not associated with me, and I request that it be investigated and removed from my credit file immediately : Incorrect Address to Be Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is not my current or former residence, and I have no affiliation with this location. It appears to be an error or possible result of identity confusion or fraud. My correct address is : Correct Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please update my credit file accordingly and confirm in writing once this incorrect information has been removed. I am also requesting a free updated copy of my credit report showing the correction, as allowed under the Fair Credit Reporting Act ( FCRA ). 
If you require any identification to process this request, I am prepared to provide a copy of my government-issued ID and a recent utility bill or lease agreement to verify my address. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX 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: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/year> XXXX am bought XXXX tried to send that's when the issues began so once it wouldn't let me send I tried to sell back to myself so it can be in my cash balance still wouldn't let me so my money is sitting in XXXX wallet dropping every day this is horrible business on cash app support has been no help at all

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: IL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by TransUnion. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report. 
If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away. 
Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information. 
No permissible purpose, as shown in 15 USC 1681b ( 2 ), has been established for TransUnion to maintain a credit report on my behalf. TransUnion has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. The absence of such permissible purpose makes the presence of this information a violation of my privacy rights.

Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime. 
The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

Under 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I expect TransUnion to take all necessary action to correct and block this information as ordered by law. 
l from now on request a formal investigation into my dispute and the removal of any incorrect information from TransUnion 's records if it is determined that no permissible purpose exists for maintaining this information. I expect TransUnion to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft. 
Please provide me with a written response to this dispute within 30 days, with detail on any action taken to correct the inaccuracies on my credit report, along with the results of your investigation, If my report is not corrected or removed in accordance with the law, I will take legal action.

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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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