vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: EQUIFAX, INC.
State: NH

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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:
b'These items was not authorized by me, nor have I ever had any involvement with the creditor listed; under FCRA  611, I respectfully request that you reinvestigate these items, and if the information cannot be verified with sufficient documentation that clearly links it to me, it must be promptly removed from my credit report in accordance with federal law.XXXX 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 2025-04-26 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
I purchased a {$10.00} Google Play Gift card from a XXXX store on XX/XX/year> and I redeemed the gift card that day. I tried to then use it in the Google Play Store but I received the error message I attached below " your transaction can not be completed '' it will not let me use Google play credit to make any transactions. I tried many things to make it work, cleared the cache on the apps, rebooted my phone and it refuses to work. So you then have to submit the form, after that they say there are 'inconsistencies ' with my account. It does not state what they are or what info they would like me to provide them. So now I have {$10.00} in credit that Google will not let me use.

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 2025-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: WA

Complaint narrative:
XXXX XXXX is attempting to collect {$100.00} on behalf of XXXX XXXX XXXX an amount stemming from a larger {$1600.00} move-out balance that was never supported with legal documentation. California law requires landlords to provide receipts for all charges over {$120.00} under Civil Code 1950.5 ( g ). None were provided. 
Additionally, the landlord already collected {$1500.00} from a XXXX claim without giving me a chance to dispute, which makes the balance now in collection both questionable and improperly reduced. 
The propertys Accounts Receivable team had been contacting me for months, but still failed to provide supporting documentation. XXXX XXXX contacted me on the same day as the propertys internal team, suggesting double collection attempts and failure to validate the debt before reporting. 
I have prior history with this debt collector involving similarly aggressive and inaccurate collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint regarding BMO Harris Banks handling of my recent check deposit and their failure to provide adequate communication and support. 

On Wednesday, XX/XX/year>, I deposited a settlement check into the account around XXXX XXXX. At no point during the deposit process was I informed that the check would be subject to an extended hold. When I called the bank several days later to inquire about the availability of the funds, I was told that the check was placed on hold until XX/XX/XXXX nearly a full week after the deposit without prior notice. 

When I escalated the issue to BMOs fraud department and requested assistance, I was told that : There was nothing they could do to expedite or review the hold. 
They are not required to notify me if they decide to extend a hold. 
They could not even verify whether any communication about the hold had been sent to me. 

This lack of transparency is completely unacceptable. As a regular customer who deposits amounts greater than this check monthly, I find this treatment unfair, misleading, and harmful. I rely on timely deposits to cover critical expenses, including insurance payments, and this unexplained delay directly impacted my financial obligations. 
I am requesting that the CFPB investigate BMO Harris Bank for : 1. Failing to disclose or adequately communicate extended holds on consumer deposits.

2. Unfairly withholding funds without offering a meaningful process for review or dispute.

3. Poor customer service practices that leave consumers vulnerable to overdrafts and financial harm. 

Please note that I am happy to provide supporting documentation, including deposit receipts, account activity, and written communications if needed. 

Thank you for your assistance in investigating this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
please remove these fraudulent accounts and inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
Bonneville collections is attempting to collect a debt that is more than XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that collection agencies can not collect a bill older than XXXX years. Bonneville collections is continuing to report this to all three credit reporting agencies, and they are changing the amount of the debt and the date of last activity to keep the current on my credit report. This is against XXXX XXXXXXXX law and the fcra. I request that these entries on my credit report be deleted, because they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To begin my information was exposed throughout the wed with credit information breach that occurred with the credit bureaus. Im including a file that show a person using my information to purchase a manufactured home, I found out because the finance company called me thinking I was the party purchasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
To Whom It May Concern, My name is XXXX XXXX XXXX XXXX, and I am formally disputing several unauthorized accounts and inquiries currently listed on my credit report. I am requesting the immediate blocking and removal of these items in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), as they are the result of identity theft.

Unfortunately, I have become a victim of identity theft. I did not open or authorize the following accounts or inquiries, nor did I approve any transactions associated with them. These fraudulent entries are negatively impacting my credit profile and financial integrity. 


Fraudulent Accounts to Be Blocked Creditor Name Date Opened Amount Owed Status XXXX XXXX XX/XX/year> {$17000.00} Charged Off / Collection XXXX XXXX  XX/XX/year> {$7100.00} Late 60 Days / Closed XXXX. XX/XX/year> {$9700.00} Current Unauthorized Inquiries to Be Removed Creditor Name Type of Business Date of Inquiry Credit Bureau XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Equifax XXXX - XX/XX/year> Equifax XXXX Mortgage Reporters XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
was blocked and have not used social security number for XXXX or XXXX years and inquiries from XXXX of XXXX through the entire year and XXXX has inquiries for the entire year as well and my social security number has had a identity theft lock on it for XXXX or XXXX years, won't delete old addresses and will not correct the name.

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 2025-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-26 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: AL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-04-26 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
I returned the car to the dealer, they harassed me for weeks even after I provided cease and desist, it went on my credit as a repossession, I sent them a debt validation letter which they ignored, I explained to them that according to 15 USC 1692g that they would need to provide debt validation in which case I would be happy to entertain the idea. At that point after they informed me that " they dont have to '' I asked them to send me the original contract showing that they were indeed the creditor which they failed to show me the original debt obligation. My credit, reputation and livelihood have been damaged. 

Credit Acceptance Corporation 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 2025-04-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX BALANCED {$680.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$1000.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To whom it may concern, my credit score was decreased XXXX points for negligent payment history/ late payments to XXXX toward my Student Loan. I have been enrolled in a Student Loan Dept Forgiveness Program with XXXX since XXXX, XXXX. There should have been no reason my student loan caused my credit to decrease XXXX points when I was enrolled in a student loan debt forgiveness program.

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 2025-04-26 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-26 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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