vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I am disputing multiple inaccurate items on my XXXX XXXX XXXX XXXX credit report. Despite submitting formal disputes and supporting documentation, XXXX  has failed to properly correct or remove the following : XXXX. Personal Information Errors : My credit report is showing an address in New York that I have never lived at. 

It also lists a Social Security XXXX ending in XXXX that does not belong to me. 

XXXX. Account Errors Unverified or Inaccurate : XXXX  is reporting several accounts that are either : Paid in full but still marked derogatory Sold to other debt buyers but still reporting balances Time-barred based on the statute of limitations Verified without documentation despite my Method of Verification ( MOV ) request Examples include : XXXX XXXX XXXX XXXX XXXX : Paid and closed, still showing charge-off XXXX XXXX XXXX : XXXX XXXX XXXX, still marked negative XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  but still XXXX XXXX XXXX XXXX : Paid on XX/XX/XXXX, still listed XXXX  : Opened in XXXX in Virginia, now time-barred XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, and others still report incorrect balances or statuses I also sent a Method of Verification request and received no documentation from XXXX  showing how they verified these items. 

I am requesting that XXXX  either provide documentation verifying these accounts, or immediately delete them. 
Failure to act on this violates the Fair Credit Reporting Act ( FCRA ) and Consumer Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I deposited money in your my cash app account and some hacked my account and sent the money to another account. I requested a refund and was denied by cashapp. On XX/XX/year> @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against BMO Bank for an unreasonable and prolonged hold placed on a check I deposited a delay that is creating extreme financial hardship, despite my full cooperation and valid documentation. I recently received a {$3500.00} check from California XXXX XXXX XXXX funds I had been waiting nearly XXXX months to receive. On XX/XX/year>, I deposited the check at a BMO ATM located at : BMO Bank XXXX XXXX XXXX XXXX, CA XXXX The check was issued in my full legal name and current address, both of which exactly match my BMO account information. Nonetheless, my account was immediately locked, and I was asked to submit verification documents to prove the legitimacy of the check. I complied without delay. The following day On XX/XX/year>, since the inside of the bank was closed at the time of my check deposit however I returned to the same BMO branch to speak with a XXXX and seek resolution. I arrived around XXXX PM but was not helped until XXXX PM. During our meeting, the XXXX repeatedly answered phone calls in front of me, delaying our conversation and showing little urgency or respect for the severity of my financial situation. 
Despite explaining that I am experiencing financial hardship and that I have critical bills and living expenses depending on this deposit the XXXX told me I had no right to file a complaint because my account was new. I asked if I could cancel the check or have it returned, and she responded that it was not possible. She did, however, submit my documents by email while I was there and confirmed they had been sent. 
What disturbed me most was her attitude : she told me I should consider myself lucky because these cases usually take 30 days, and since I submitted documents, it might be resolved in XXXX business days. I should not be told XXXX lucky to possibly wait less than a month for access to my own legally issued XXXX benefits. This statement came off as threatening and dismissive, especially considering Ive already waited XXXX months for this check from the state. 
As of now, my BMO account remains locked, and I have no access to the {$3500.00} check I deposited. I have complied fully with all of BMOs requests, yet I am being penalized with further delays and condescending treatment that has only made my financial situation worse. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and help bring it to resolution. I am simply asking for access to funds that are rightfully mine.

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 2025-05-14 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: IL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2018 - {$7500.00} XXXX XXXX - XXXX * * * * * * XXXX - XX/XX/2018 - {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/2018 - {$8700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2018 - {$5700.00}

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 2025-05-14 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
The fee on the card, interest rate, is XXXX XXXX. This outrageous even in these times. What happened to XXXX XXXX saying he was going to get rates CAPPED?

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 2025-05-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This is a consolidated complaint against XXXX XXXX, Experian, Equifax, and TransUnion. It includes new and unresolved issues, supported by a regulatory complaint filed with the Michigan XXXX. Despite multiple disputes and at least XXXX CFPB complaints submitted in XXXX, these bureaus have continued to mark XXXX XXXX inaccurate reporting as verified. 

I have attached the following new evidence : My full MDIF complaint showing FCRA, XXXX XXXX, and UDAAP violations A spreadsheet comparing my verified payments with reported delinquencies XXXX XXXX own payment history contradicting what appears on my credit reports This account has been falsely reported as 30150 days late for over XXXX years. The delinquencies are fabricated through late fee abuse, improper re-aging, and suppression of payment data. All three credit bureaus have repeatedly failed to investigate my disputes, causing material harm. 

I am demanding that the CFPB escalate this matter to the enforcement team and compel immediate correction or deletion within XXXX calendar days. Continued inaction by the credit bureaus should be reviewed under FCRA XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: OH

Complaint narrative:
i recently revied my credit report and i noticed fraudulent accounts on my report. please remove the accounts they are hurting my ability to obtain credit. and not showing a true representation of my credit worthiness.

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 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely 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 2025-05-14 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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 Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received a call from a person claiming to represent Citi Bank. The person had a XXXX or XXXX  accent but claimed his name was XXXX. He asked me if I had recently applied for a new Citibank Card from XXXX XXXX I said i had not. He proceeded to provide me with some of my information like my current address and the last XXXX of my social. Then he told me he would cancel that card. Then he proceeded to give me information on the transactions that had occurred. I felt like this was a trust gaining excercise. In any case I did not feel comfortable continuing with the conversation and I told the person I was going into a meeting. I asked for his number so I could call back. I asked for his name and when he gave it to me I said " you don't sound like a XXXX ''. He paused and then said " Vy do you say that suh? '' I said " you sound like you have an accent ''. He then said " many people tell me that ''. The number he gave me to call back on was ( XXXX ) XXXX and the number he originally called on was ( XXXX ) XXXX. When you call either number you get an automated system asking for you social or your account information to identify you.

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 2025-05-14 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 explanation
Consumer complaint received 2025-05-14 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: 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 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: IL

Complaint narrative:
please remove from credit report this is paid in full as of XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: WI

Complaint narrative:
my credit report is showing that i have had a XXXX pt decrease over a XXXX  day late payment and per FCRA late payments arent to be reported unless over XXXX days! i am asking that a up late payment on my credit report be corrected immediately and updated to either no status or on time as credit bureaus can not report a delinquency that is less than XXXX days. my score should not drop every XXXX days XXXX pts each time! i will not be taken advantage of as a consumer

Company response to consumer: Closed with non-monetary relief