vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: NJ

Complaint narrative:
Listed below are the fraudulent accounts and unauthorized inquiries appearing on my credit report XXXX XXXX XXXX, Opened in XX/XX/XXXX ; XXXX XXXX XXXX, Opened in XX/XX/XXXX ; XXXX XXXX, Opened in XX/XX/XXXX ; XXXX XXXX XXXX Opened in XXXX XXXX, XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ), Opened in XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX  ), opened in XXXX XXXX, XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ), Opened in XX/XX/XXXX ; XXXX Inquiried on XX/XX/XXXX ; XXXX Inquiried on XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiried on XX/XX/XXXX ; XXXX XXXX Inquiried on XX/XX/XXXX ; XXXX XXXX Inquiried on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquiried on XX/XX/XXXX ; XXXXXXXX XXXX  XXXX Inquiried on XX/XX/XXXX ; XXXX XXXX Inquiried on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX  Inquiried on XX/XX/XXXX ; XXXX, Inquiried on XX/XX/XXXX ; XXXX  XXXX Inquiried on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NC

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 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 2025-07-18 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-18 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: IA

Complaint narrative:
Whom It May Concern, I am writing to correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX IA, XXXX. That is my only address. 
Please update my name to : XXXX XXXX XXXX. That is my only name. 
My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 

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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a refinance of my home to help me payoff some high interest credit card debt and I was denied and informed that due to the down payment assistance program of XXXX XXXX I am ineligible for a refinance on this loan. A large portion of my equity would need to be paid to the down payment assistance program due to there assistance in acquiring this home in XXXX. The amount to be paid in more than XXXX the amount given for assistance and it is causing me hardship and preventing me from effectively managing my debt. All attempts at resolving this with the XXXX of XXXX XXXX have fallen on death ears. I bought this house in XXXX and have over XXXX in equity which I can not access and I am being forced to sell the property to access any cash and the city receives a windfall from a nominal investment disguised as down payment assistance program due. Please Help!!!!

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 2025-07-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW Financial Services received the full insurance settlement after my leased vehicle was declared a total loss. The insurer, XXXX XXXX, deducted my {$1000.00} deductible from the payout before sending the remainder ( {$29000.00} ) to BMW FS. Now, BMW FS claims I still owe the deductible and is withholding my {$3000.00} overage as a conditional loyalty credit only usable if I lease/finance another vehicle with them. 

This is unfair and misleading. Ive already paid the deductible through reduced insurance payout. Im no longer doing business with BMW FS, and they are refusing to return the {$3000.00} credit in cash. They closed my lease account but retained my funds with restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am unaware of these inquiries, and they appear to be unauthorized and possibly fraudulent. Please take prompt action to resolve this issue. Relevant documents are attached for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CA

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 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 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercury Technologies, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a wire transfer through Mercury Technologies , Inc. to an external business account at XXXX  XXXX XXXX. Shortly after sending the funds, I contacted Mercury to initiate a wire recall due to a fraudulent transaction involving the recipient. Mercury acknowledged my request and confirmed via email ( especially by representative XXXX ) that the wire recall process had been initiated and was being followed up with XXXX  XXXX XXXX. 

However, for over eight weeks I kept requesting updates, documents, or any evidence that the recall had actually been submitted to XXXX  XXXX XXXX. Despite my multiple emails and reminders, Mercury never provided proof of submission ( no XXXX confirmation, no bank reply, no tracking ID, no escalation notice, nothing ). 

Eventually, I had to escalate the issue to external regulatory agencies because Mercury failed to provide any tangible documentation showing that the recall process was truly followed up. I believe Mercury may have misled me by claiming actions that were never taken or were insufficient, while the fraud window closed.

This negligent behavior resulted in the failure to retrieve the {$7500.00} USD that could have been recovered if Mercury had acted with the proper urgency, documentation, and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Description for CFPB : I am filing this complaint regarding BMO Banks improper handling of a chargeback and provisional credit related to a disputed transaction and their failure to comply with Regulation E requirements. 

On XX/XX/year>, a debit of {$300.00} USD was charged to my BMO account for a purchase from XXXX. I filed a dispute with the bank, and on XX/XX/year>, I was issued a provisional credit for the same amount while the investigation was underway. 

According to communications from both BMO and XXXX, the merchant claimed to have issued a full refund on XX/XX/year>. However, there is no verifiable record of this refund being received by BMO, nor was it reflected in my account. Despite this uncertainty, on XX/XX/year>, XXXX withdrew the provisional credit from my accountwithout any confirmation that the refund was ever finalized or deposited. 

I have received conflicting and inconsistent explanations from BMO. XXXX representative stated that the refund was never processed ; another claimed that the refund was processed but later canceled by the merchant. To this day, I have not received a formal explanation or any supporting documentation proving either claim. 

By reversing the provisional credit without receiving the corresponding refund, BMO violated my consumer rights under Regulation E and placed the financial burden of the disputed transaction on me, the account holderdespite the bank 's own lack of clarity and follow-through. 

This incident has caused unnecessary financial harm and distress. I am requesting the CFPB to investigate BMOs mishandling of this dispute and ensure that I am reimbursed the {$300.00}, as required under federal consumer protection laws. I am also requesting that BMO provide complete documentation of their investigation, the merchants alleged refund, and all internal communications relevant to this dispute.

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 2025-07-18 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: MO

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-18 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: MO

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
I recently became aware of an account reflected in my credit file that I did not open. I have never had any interaction with the party that submitted it, and this appears to be a case of identity theft.

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 2025-07-18 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: NC

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and misleading information being furnished and reported on my credit reports by both federal student loan servicers and the three major credit reporting agencies ( Experian, XXXX XXXX XXXX XXXX 
Several student loan accounts are being reported more than once under different names for example, as Dept of EducatioXXXX, DeptEdXXXX, and Dept of Ed but reflect the same balances, open dates, and status remarks. This causes double-reporting of the same debt, artificially inflates my outstanding student loan balances, and misrepresents my creditworthiness. 
Additionally, payment history is being misrepresented. During periods of federal forbearance under the CARES Act, when no payments were required or due, many credit reports are showing Unknown payment history or blank months. This is being used by credit scoring models ( including XXXX and XXXX ) to suppress my on-time payment percentage, even though no payments were required and the loans were never delinquent. In contrast, my Experian history correctly shows these periods as " green '' or neutral highlighting the inconsistency across furnishers and CRAs. 
There are also mathematical errors on multiple tradelines. For example, I am shown as having paid off 10 % or 11 % of a loan meaning the current balance is reported as higher than the highest balance, which is impossible and demonstrably false. 
Further, some tradelines are coded with No Info for payment status while also stating Payment Deferred in the remarks section, which creates contradictions in how credit scoring systems interpret the account. 
These are all violations of multiple FCRA provisions, including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to report accurate, non-misleading information 623 ( a ) ( 2 ) Duty to update and correct 605B and 611 ( a ) Right to accurate reinvestigation 607 ( b ) and 1681e ( b ) Credit reporting agencies must maintain maximum possible accuracy 611 ( c ) CRAs must provide documentation received from furnishers when verification is claimed I have previously disputed this information and/or requested full validation directly from the furnishers and CRAs under my FCRA rights. In many cases, I have not received sufficient documentation to support continued reporting, and no corrective action has been taken. Therefore, I am now asking the CFPB to review this matter and enforce the deletion or full correction of these inaccurate tradelines

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 2025-07-18 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: NC

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and misleading information being furnished and reported on my credit reports by both federal student loan servicers and the three major credit reporting agencies XXXX XXXX XXXX, and TransUnion ). 
Several student loan accounts are being reported more than once under different names for example, as Dept of EducationXXXX, DeptEdXXXX, and Dept of Ed but reflect the same balances, open dates, and status remarks. This causes double-reporting of the same debt, artificially inflates my outstanding student loan balances, and misrepresents my creditworthiness. 
Additionally, payment history is being misrepresented. During periods of federal forbearance under the CARES Act, when no payments were required or due, many credit reports are showing Unknown payment history or blank months. This is being used by credit scoring models ( including XXXX and XXXX ) to suppress my on-time payment percentage, even though no payments were required and the loans were never delinquent. In contrast, my XXXX history correctly shows these periods as " green '' or neutral highlighting the inconsistency across furnishers and CRAs. 
There are also mathematical errors on multiple tradelines. For example, I am shown as having paid off 10 % or 11 % of a loan meaning the current balance is reported as higher than the highest balance, which is impossible and demonstrably false. 
Further, some tradelines are coded with No Info for payment status while also stating Payment Deferred in the remarks section, which creates contradictions in how credit scoring systems interpret the account. 
These are all violations of multiple FCRA provisions, including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to report accurate, non-misleading information 623 ( a ) ( 2 ) Duty to update and correct 605B and 611 ( a ) Right to accurate reinvestigation 607 ( b ) and 1681e ( b ) Credit reporting agencies must maintain maximum possible accuracy 611 ( c ) CRAs must provide documentation received from furnishers when verification is claimed I have previously disputed this information and/or requested full validation directly from the furnishers and CRAs under my FCRA rights. In many cases, I have not received sufficient documentation to support continued reporting, and no corrective action has been taken. Therefore, I am now asking the CFPB to review this matter and enforce the deletion or full correction of these inaccurate tradelines

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