vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: PA

Complaint narrative:
b"To Whom It May Concern:\nI am submitting this formal complaint against Experian, TransUnion, and Equifax for willfully violating my co\nSummary of Complaint:\nThe following fraudulent accounts were previously disputed, determined to be identity theft, and blocked un\n- XXXX XXXX  (Account #XXXX XXXX XXXX XXXX) - Opened XXXX - Balance: XXXX- XXXX XXXX (Account #XXXX XXXX XXXX XXXX) - Opened XXXX - Balance: XXXX- XXXX XXXX (Account #XXXX XXXX) - Opened 09/30/2020 - Balance: XXXX- XXXX XXXX (Account XXXX XXXX) - Opened XXXX  - Balance: $10,436\nExperian's Actions:\nThese accounts were initially blocked after identity theft reports and supporting documents were submitted\nTransUnion and Equifax's Actions:\nBoth TransUnion and Equifax mirrored this unlawful behavior by allowing the same fraudulent accounts to\nLegal Violations:\n1. Fair Credit Reporting Act (FCRA) - 15 U.S. Code  1681 et seq.\n-  1681i(a)(5)(B) - Failure to notify consumer in writing of reinsertion within five (5) business days.\n-  1681c-2 - Failure to block identity theft accounts.\n-  1681i(a)(1) - Failure to conduct a reasonable reinvestigation.\n2. Fair Debt Collection Practices Act (FDCPA) - 15 U.S. Code  1692 et seq.\n-  1692e - False or misleading representation.\n-  1692f - Unfair or unconscionable practices.\n3. Fair and Accurate Credit Transactions Act (FACTA) - 15 U.S. Code  1681c-1\n4. Consumer Financial Protection Act (CFPA) - 12 U.S. Code  5531\nLegal Precedents:\n- Collins v. Experian Information Solutions, Inc. (XXXX)\n- Ramirez v. TransUnion (XXXX) - U.S. Supreme Court"

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 2025-04-17 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: PA

Complaint narrative:
b"To Whom It May Concern:\nI am submitting this formal complaint against Experian, TransUnion, and Equifax for willfully violating my co\nSummary of Complaint:\nThe following fraudulent accounts were previously disputed, determined to be identity theft, and blocked un\n- XXXX XXXX  (Account #XXXX XXXX XXXX XXXX) - Opened XXXX - Balance: XXXX- XXXX XXXX (Account #XXXX XXXX XXXX XXXX) - Opened XXXX - Balance: XXXX- XXXX XXXX (Account #XXXX XXXX) - Opened 09/30/2020 - Balance: XXXX- XXXX XXXX (Account XXXX XXXX) - Opened XXXX  - Balance: $10,436\nExperian's Actions:\nThese accounts were initially blocked after identity theft reports and supporting documents were submitted\nTransUnion and Equifax's Actions:\nBoth TransUnion and Equifax mirrored this unlawful behavior by allowing the same fraudulent accounts to\nLegal Violations:\n1. Fair Credit Reporting Act (FCRA) - 15 U.S. Code  1681 et seq.\n-  1681i(a)(5)(B) - Failure to notify consumer in writing of reinsertion within five (5) business days.\n-  1681c-2 - Failure to block identity theft accounts.\n-  1681i(a)(1) - Failure to conduct a reasonable reinvestigation.\n2. Fair Debt Collection Practices Act (FDCPA) - 15 U.S. Code  1692 et seq.\n-  1692e - False or misleading representation.\n-  1692f - Unfair or unconscionable practices.\n3. Fair and Accurate Credit Transactions Act (FACTA) - 15 U.S. Code  1681c-1\n4. Consumer Financial Protection Act (CFPA) - 12 U.S. Code  5531\nLegal Precedents:\n- Collins v. Experian Information Solutions, Inc. (XXXX)\n- Ramirez v. TransUnion (XXXX) - U.S. Supreme Court"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: PA

Complaint narrative:
This morning, I discovered some incorrect accounts listed on my credit report, and XXXX unsure how they got there. I routinely check my credit report, but this time, unexpected discrepancies appeared. I even refreshed the browser thinking it might be a technical issue, but the errors remained. Due to this, I kindly request a thorough review of the documents Ive submitted so I can put this concern to rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I initiated a {$20000.00} international wire transfer from my Bank of America account to a recipient in XXXX on XX/XX/year>. However, the receiving bank in XXXX rejected the wire due to their internal policy of not accepting transfers over {$10000.00}. They informed me that the funds were returned to Bank of America. 

It has now been over XXXX months, and I have not received the {$20000.00} back into my account. I have made numerous attempts to XXXX Bank of Americas XXXX Department by phone, but no one answers. I also visited my local branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States multiple times, but the staff were unable to assist me, I set up appointment with them seek update and they call me before appointment telling they cant assist me. 

I am extremely frustrated and concerned about the delay and lack of response. This is a large sum of money, and the bank has failed to provide any updates. I request that Bank of America immediately investigate this issue, confirm the status of the returned funds, and credit the amount back to my account. 


I had scheduled an in-person appointment at the Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to seek help regarding this matter. However, shortly after XXXX XXXX, I received a call from the branch telling me not to come in because they wouldnt be able to help and that all they could do was call the same Wire Department number I had already been trying for weeks. The staff was dismissive and unhelpful, and their tone was rude. 

This shows a complete lack of professionalism and customer care, especially considering this involves {$20000.00} that has been unaccounted for for over XXXX months.

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 monetary relief
Consumer complaint received 2025-04-16 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: NC

Complaint narrative:
I am a victim of identity theft. I checked my credit today and there are several credit cards and a car loan. I never gave anyone permission or authorization to open these accounts. This has affected my ability to provide for my family and to get the job I need to provide for my family

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: AZ

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 identity theft. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: MD

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 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
have contacted MOHELA about missing payments that have been cashed by MOHELA all and not applied to my account. I've talked to someone XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have uploaded pictures of my canceled check multiple times Check number XXXX date XX/XX/XXXX, amount {$830.00}, cashed XX/XX/XXXX it has my old account number XXXX listed, this will be corrected for XXXX 's payment. 
Of note : it wasn't until the XX/XX/XXXX phone call that someone was able to tell me that my account number changed and that was the issue On the same date my XXXX payment was also cashed, check XXXX, date XX/XX/XXXX, amount {$830.00} cashed XX/XX/XXXX, applied XX/XX/XXXX I need an update asap as this has been months and multiple contacts and MOHELA still has my money yet have not applied it to my account. Every single time I call I wait at least 3 hours for a call back even if it says the wait time is less. Then I have to wait another 3 hours to escalate it to an advanced rep who can help but they still have been unable to help. You are the next step in the process because it seems MOHELA has not problem cashing my checks and not applying them and I can't find anyone who can solve this problem as evidence by the multiple contacts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: SC

Complaint narrative:
The following accounts are not mine and I have not authorized these companies to access my personal information : Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
On XXXX ; I XXXX XXXX, logged into my bank account to discover a notification from my bank : XXXX that there was an unusual subscription service from Experian Credit Bureau that totaled over XXXX XXXXXXXX per year. I researched my bank account further and noticed a transaction from Experian that occurred on XXXX, in the amount of {$27.00}, that I did not authorize nor was aware of. 

I tried calling Experian customer services on XXXX ; from XXXX XXXX - XXXX XXXX, to try to address this issue with them and to find out how they obtained my payment method information without my consent and without me providing it to them, but their phone system kept taking me in circles asking me my language preference. I chose XXXX, but the system kept asking me if I was willing to choose XXXX, for which I verbally said .No to multiple times. 

I ended up calling my bank XXXX shortly after unsuccessful attempts to call Experian. I called XXXX XXXX XXXX at XXXX XXXX and spoke to banking XXXX XXXX XXXX who assisted me with disputing transaction charges from Experian and reporting Experian activity as fraud and requested a debit card replacement, as a result. 

I did not share my payment method with Experian, when I signed up for a credit reporting account through Experian online on or about XX/XX/year>. I was never asked for any type of payment method nor did I ever provide any payment method. 

MOST IMPORTANTLY ; I never legally, verbally, digitally, neither in writing ever provide my payment method of any type to Experian. 

How Experian obtained my payment information without my knowledge, awareness or consent ; I dont know. It troubles me greatly. 

I have screenshots of my online activity on the Experian website. I did not sign up for any paid services nor authorized to be signed up for any paid services or subscriptions through Experian. I did not provide any financial information to Experian, neither bank, debit, credit or any type of payment method. 

Experian does not have legal permission to illegally obtain my payment information without my knowledge. This has caused me an inconvenience and has mentally damaged my view of Experian. I do not deem Experian trustworthy and this is concerning. 

I have reasonable suspicion to believe that my information was compromised by Experian using improper software services that I am not aware of 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 2025-04-16 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 XXXX  years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO closed my credit card without my knowledge and i received a letter in the mail after the fact that stated the can close my account at anytime and that was it. I tried to call to make payment and they told me my account was closed and i couldnt make payment but they were still charging me interest. They made it extremely difficult and complex to understand what is happening and how to resolve while changing me interest. BMO is acting in criminal nature amd should be closed to business in the 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 2025-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: January Technologies, Inc
State: NC

Complaint narrative:
I have never opened or gave permission for anyone to use my information to obtain a store credit card in my name. This XXXX Credit Card account was opened without my knowledge. I have been away at college since XXXX living in XXXX XXXX until XXXX and transferred to another college in XXXX XXXX XXXX. I maintained my own residence off campus. I am attaching prior and current lease agreements to show I was not a resident at the address this credit card was sent to. This account was opened fraudulently. I just resolved a XXXX XXXX XXXX  credit card as fraud through the courts that is pending a dismissal of the suit and received notice that all three major credit bureaus have been update to reflect as such. If you provide me with the date of last payment I can provide proof that the bank account ending in XXXX did not bare my name and was not mine. This is the information I used to show XXXX XXXX I did not owe this debt. I also had a notarized document from the person who opened this account without my consent for that merchant

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: MD

Complaint narrative:
Im reaching out because my credit report contains incorrect personal information, which appears to have led to a fraudulent account being linked to me. Ive been a victim of identity theft, and this account is not mine Ive never had any involvement with it. I followed the proper steps and submitted an FTC identity theft report as instructed by TransUnion, yet the item remains. Despite doing everything by the book, this false and damaging entry continues to affect my credit and peace of mind.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MS

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report. Upon reviewing my credit file, I noticed a collections account reported by XXXX XXXX that I do not recognize and did not authorize. 

The account listed as belonging to XXXX XXXX which has been sold to NCB Management Service does not belong to me. I have never opened an account with XXXX XXXX nor have I taken any loans or entered into any agreements with this company. I believe this may be a case of fraudulent activity. 

Please investigate this matter and remove the erroneous account from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate or incomplete, and I request that this account be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Marcus has locked my saving account. 

On XX/XX/year>, I tried to link my Marcus by Goldman Sachs saving account to my XXXXXXXX XXXX checking account. 

My XXXX XXXX XXXXccount ends with " XXXX ''. 

I get a notification from my bank that my account ending with " XXXX '' has been linked to Marcus by XXXX I also receive a notification from Marcus, but it said that my XXXX XXXX account ending with " XXXX '' has been linked. 

I did not pay much attention to this and figured that " XXXX '' was a virtual number and had a link to " XXXX  ''. 

I deposit funds from my XXXX XXXX  to Marcus ( heavy amount ).

Later, I take out funds from Marcus and deposit it to my XXXX account ( XXXX ). 

Today, XXXX locked my accounts- they are not able to verify the account ending with " wxyz ''. 

I called them up and explained that it is XXXX who linked it as " XXXX XXXX' and not " XXXX  '' and they should follow up with XXXX. 
Instead, Marcus wants to send back funds which they think came from " XXXX  ''. 
However, I do not have sufficient funds in the Marcus account to send it back. 

On doing some research I found that XXXX encrypts the last XXXX digits of the account number for additional security. 

I feel that Marcus and XXXX should resolve this internally and verify that the account ending with " abcd '' is actually the account ending with " XXXX  '' linked by XXXX. However, they are targeting me and not treating me fairly. 

Please help to resolve this issue. 

Regards, XXXX

Company response to consumer: Closed with explanation