vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
BMO bank send me an email on XX/XX/2024 saying : " Earn a {$100.00} digital gift card* for taking steps toward your financial progress. 
To qualify, simply meet with a BMO banker within the first 90 days of opening and funding your new BMO checking account and receive a {$100.00} digital gift card* of your choice! '' I talked to a BMO banker on XX/XX/2024 and got confirmation email from her saying : " Thank you for letting us personalize your banking needs at BMO. 
It was so nice connecting with you today! As promised, I am sending over your Financial Progress Check which outlines your personalized banking recommendations. I know we discussed a lot, so please take a minute to look it overand dont hesitate to reach out to me directly should you have any questions! 
I look forward to continuing to work with you! Thank you for choosing BMO to meet your ongoing banking needs. 
XXXX XXXX XXXX ID XXXX XXXX '' I inquired about when I can get the {$100.00} gift card, and got response from XXXX saying : " Typically is sent out between 1-60 days ''. 

Till now, I still have not received any gift card yet. I tried to contact XXXX through email but the email could not reach the address any more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In XXXX of XXXX, I received a debit card and notification of new accounts created from JP Morgan and Chase Bank in the mail. It turned out that my identity had been stolen and a checking and saving account had been opened in my name. I immediately reported the issue to Chase customer service. They told me it would be taken care of and I did not have to do anything else. I did file a report with the FTC and requested a credit freeze. I did not file a local police report immediately though. 

A few weeks later, I got a call from dept collection department at Chase Bank. They claimed that I owed them {$1100.00} because of an overdraft on the fraudulent savings account. I told them again that it was a case of identity theft and they said they again said they would take care of it. I did not get any phone calls or emails or pieces of mail from Chase after that. 

Fast forward to XX/XX/XXXX, I needed to open a new bank account but I was immediately denied because apparently Chase bank never resolved the issue with the fraudulent accounts. The {$1100.00} was now a " charge-off '' and it had been reported to an acency called Early Warning which has me flagged and makes it impossible for me to open a new checking/savings account.

I went to a Chase branch and talked to a live person and while they tried to be helpful and even showed me the details of the fraudulent account where clearly the phone number, diver 's license number, and email do not match my information. They provided me with detailed statements where there are XXXX  XXXX names listed in some of the bank transfers. They tried to reopen the case with the claims department so that it could be resolved. I even created a police report to add to the case. 

However, the Chase claims department is a completely opaque system which now denied my claim of identity theft and that those fraudulent accounts were legitimate and that I " benefited '' from those accounts. They sent me letters to that effect. They refuse to take another look at the case, saying it will be forwarded to the dept collection team, and said that resolution would have to come from " outside Chase ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am disputing the following collection account. 
I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and I have yet to receive satisfactory proof that these debts are indeed mine. 

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within XXXX  days of receipt of this letter ( XXXX XXXX. XXXX ). 

Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.

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 2025-03-08 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
Tried to purchase a XXXX XXXX from XXXX and finance via Affirm Got charged and never received the XXXX Tried contacting XXXX but they said to stop contacting them Tried to notify affirm but they kept telling me to go through XXXX even though i couldnt anymore Because of these events Affirm now reports the " loan '' that was given to me as a chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: UT

Complaint narrative:
Im reaching out because Ive noticed an account on my credit report that was opened without my consent. This is a case of unauthorized and fraudulent use of my identity, and I need it taken care of immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion has failed to remove the bankruptcy from my credit report despite its obligation to ensure the accuracy of reported information. Additionally, TransUnion can not verify the bankruptcy directly with the court, as courts do not provide verification services to credit bureaus. Instead, credit reporting agencies typically rely on third-party vendors for this information, which increases the risk of inaccuracies. Since TransUnion can not independently verify the bankruptcy, it should be removed from my credit report under the Fair Credit Reporting Act ( FCRA ) unless it can be properly substantiated.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX and.I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, 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 2025-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On the day of XXXX, XXXX I requested for freedom mortgage company to send me forms for me XXXX XXXX to apply for the deed of lieu contract.. I also contact freedom mortgage company the day of XX/XX/XXXX for The same reason and as of now I only received an a pay off stament ..The address of the property is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX California XXXX I am behind on the mortgage payment and chose to proceed with the deed of lieu but freedom mortgage hasn't sent over the documents for me to get the paperwork going..

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX Reported : XXXX XXXX, 2025 {$830.00} Needs Attention Advised credit bureaus this account is not mine I did not open this account or have no knowledge of it. Investigation states it is my account when I dispute it but I keep on disputing as this account was not opened by me. I also advised XXXX that account was not opened by me. 

-Incorrect apartment number XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Regarding Federal Student Loan Balance, XXXX Data Breach , and FERPA Violation To Whom It May Concern, I am submitting this formal dispute regarding inaccuracies in my federal student loan balance as reported by my loan servicer, as well as concerns related to the XXXX data breach and a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) . I request a thorough investigation and correction of the issues

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Regarding Federal Student Loan Balance, XXXX Data Breach , and FERPA Violation To Whom It May Concern, I am submitting this formal dispute regarding inaccuracies in my federal student loan balance as reported by my loan servicer, as well as concerns related to the XXXX data breach and a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) . I request a thorough investigation and correction of the issues

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 2025-03-08 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Regarding Federal Student Loan Balance, Experian Data Breach , and FERPA Violation To Whom It May Concern, I am submitting this formal dispute regarding inaccuracies in my federal student loan balance as reported by my loan servicer, as well as concerns related to the Experian data breach and a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) . I request a thorough investigation and correction of the issues

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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
CONTRACT CALLERS INC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX Account # XXXX Open XX/XX/year> My Identity was stolen and my information has been compromised, and was used without knowledge or approval, and this account show multiple on my credit report and also sold to a collector. 15 USC 1602 ( g ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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 have incorrect names and addresses on my credit report that I would like removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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 recently reviewed my credit report and found XXXX closed accounts with late payments that do not belong to me. These accounts were fraudulently opened in my name and are hurting my credit. XXXX, reported by XXXX, was opened on XX/XX/XXXX, with XXXX late payment from XX/XX/XXXX. XXXX XXXX Bank, reported by Equifax and XXXX, was opened in XX/XX/XXXX and has XXXX late payments from XX/XX/XXXX to XX/XX/XXXX. There are also inconsistencies across bureausTransUnion shows no late payments for XXXX XXXX XXXX, while Equifax and XXXX do. Since these accounts were fraudulently opened, I should not be penalized for them. I have disputed them, but they remain on my report, affecting my ability to obtain credit. I need these accounts and their negative history removed immediately.

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 2025-03-08 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:
I recently reviewed my credit report and found XXXX closed accounts with late payments that do not belong to me. These accounts were fraudulently opened in my name and are hurting my credit. XXXX, reported by XXXX, was opened on XX/XX/XXXX, with XXXX late payment from XX/XX/XXXX. XXXX XXXX Bank, reported by Equifax and XXXX, was opened in XX/XX/XXXX and has XXXX late payments from XX/XX/XXXX to XX/XX/XXXX. There are also inconsistencies across bureausTransUnion shows no late payments for XXXX XXXX XXXX, while Equifax and XXXX do. Since these accounts were fraudulently opened, I should not be penalized for them. I have disputed them, but they remain on my report, affecting my ability to obtain credit. I need these accounts and their negative history removed immediately.

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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified.

As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection account.

I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine.

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ).

Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

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

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

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally complain about KeyBanks failure to honor their checking account promotion despite my repeated efforts to resolve the issue directly with them. 



In XX/XX/XXXX, I opened a checking account with KeyBank and provided a promotional code for a {$200.00} cash bonus upon completing the required direct deposits. I set up my direct deposit accordingly and should have met the requirements by XXXX or XX/XX/XXXX at the latest. However, I never received the promised bonus.

Since then, I have made multiple attempts to resolve this issue, including : Calling KeyBank customer service multiple times and using the in-app chat ( though previous chat records are not downloadable, as shown in the attached screenshot ). 

Leaving a voicemail at the branch where I opened my account, but never receiving a response. 

Visiting a different branch multiple times, where I had multiple appointments with XXXX ( proof attached ). He escalated my issue, but no resolution was reached. 

Speaking with XXXX XXXX see attached conversation history ), who assisted me in connecting with XXXX, the branch manager of the location where I originally opened my account. 



On XX/XX/XXXX, I received a call from XXXX, who stated that the banker who opened my account failed to enter the promotional code, which is why I did not receive my bonus. During our conversation, he asked for the promo code, but since KeyBank frequently updates its promotional pages, the old code was no longer available. Nonetheless, he assured me that he would look into the matter. 



I continued to give KeyBank time to resolve the issue, but after nearly a year of waiting, I believe I have exhausted all reasonable measures. 



Most recently, on XX/XX/XXXX, I visited the branch where I originally opened my account. I explained my issue to a banker, who messaged XXXX on my behalf. She informed me that XXXX would call me back on Monday, XX/XX/XXXX. I also provided her with the original promo code I had used at account opening ( I found that code online again for that period of time of the promotion ), which she documented. 



As of today, XX/XX/XXXX, I have not received any follow-up communication from KeyBank, and I do not believe I can resolve this issue without CFPBs intervention.

I am requesting that KeyBank honor the {$200.00} promotional bonus as originally advertised. The failure to enter the promo code was the bankers mistake, not mine, and I have fulfilled all the promotional requirements in good faith.

Thank you for your time and assistance.

Company response to consumer: Closed with monetary relief