vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In 2020 my fathers life insurance money was stolen and false checks put into my account. The bank refused to refund me the money even I stated I was not the one authorizing those deposits or withdrawals from my account. This not only caused me to lose my fathers life insurance but to have my account closed as well.

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 2025-08-19 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: AR

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 XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX  - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$73.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, 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 explanation
Consumer complaint received 2025-08-19 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
In reviewing my credit file, I identified a hard inquiry that I did not authorize. I take the accuracy of my credit report very seriously, as it directly affects my financial standing.

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX XXXX I opened a claim with my bank after my phone was stolen and fraudulent charges occurred. Despite me telling the representative multiple times that my phone was stolen, they failed to include this critical information in the claim. On XX/XX/XXXX, I was informed that my claim had been denied. I immediately requested that it be reopened, and I also submitted supporting documentation, including a letter from XXXX confirming that I do not have an account with them. I was repeatedly told my case was under review and that I would receive a resolution by XX/XX/XXXX. However, I have now been told that my case was not actually reopened for reconsideration until XXXX XXXXover two months after my initial claim. During this time, I have called multiple times, spoken to several representatives, and been given conflicting and inaccurate information. This mishandling of my case, failure to properly record the facts, delays in processing, and lack of accountability have caused significant stress and hardship. I am filing this complaint to request that the Consumer Financial Protection Bureau investigate my banks failure to fairly and promptly handle my claim.

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 2025-08-19 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: HI

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-19 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: NM

Complaint narrative:
I am disputing the late payment entry currently reflected on my credit report. My personal records confirm that all payments were submitted on or before their due dates, making the reported late payment inaccurate. This false information is damaging to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-08-19 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 am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau Subject : Complaint Regarding Suncoast Credit Unions Mishandling of Dispute and Failure to Provide Provisional Credit Member Name : XXXX XXXX XXXX Member Number : XXXX Checking Account Number : XXXX Suncoast Routing Number : XXXX To Whom It May Concern, I am submitting this complaint regarding Suncoast Credit Unions mishandling of my debit card dispute and failure to provide the provisional credit required by federal law. The CFPB is responsible for enforcing Regulation E and ensuring consumers are protected from unfair financial practices. 
On XXXX, the following unauthorized transaction posted to my account : I reported this unauthorized charge immediately. On XXXX XXXX XXXX Suncoast staff informed me that if I called back within 24 hours, a provisional credit would be issued to my account. When I followed up as instructed, I was told a provisional credit would not be issued. 
This is in direct violation of Regulation E ( 12 CFR 1005.11 ( c ) ( 2 ) ( i ) ), which requires financial institutions to provide provisional credit within 10 business days of an error notice if the investigation is not complete. This failure contradicts Suncoasts assurances and reflects bad-faith handling of a consumer dispute. 
I am requesting that your agency review this matter, enforce the requirements of the Electronic Fund Transfer Act, and ensure that Suncoast Credit Union complies with all applicable consumer protection Date Description Amount XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  {$1800.00} and banking regulations. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX : XXXX Checking Account Number : XXXX Phone : XXXX | Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: DE

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX  Balance {$3100.00} I Am Unaware of This Debt. I did not have the opportunity to dispute this debt.I did not receive proper notification, if in fact you believe I received proper notification please provide the certified mail with a receipt with my signature stating I received it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I submitted a timely Validation of Debt request to CREDIT COLLECTION SERVICES regarding Account Number : XXXXXXXX XXXX XXXX for the alleged balance of {$130.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, XXXX XXXX XXXX XXXX failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of an unauthorized credit inquiry from my credit file. 

The inquiry in question is listed as : Creditor : XXXX XXXXXXXX Type : Hard Inquiry Date of Inquiry : XX/XX/year> I did not authorize this inquiry, nor did I provide consent for XXXX XXXXXXXX or any related entity to access my credit report. As this inquiry was not initiated by me, it is in direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that inquiries must have a permissible purpose and consumer authorization. 

To further support this dispute, I have already contacted XXXX XXXX Fraud Department, reported this matter, and spoke directly with a manager. XXXX XXXX has confirmed that this was a fraudulent/unauthorized action and has since closed the account associated with it. 

This unauthorized inquiry is negatively impacting my credit profile. Therefore, I am requesting that it be deleted from my credit report immediately. 

In accordance with the FCRA, please conduct a thorough investigation and provide written confirmation once this inquiry has been removed. If you determine that XXXX XXXX claims permissible purpose, I request full documentation including my signed authorization. 

Please note, I am not disputing any valid accounts I have with XXXX XXXX, only the unauthorized inquiry listed above. 

Thank you for your prompt attention to this matter.

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 2025-08-19 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: FL

Complaint narrative:
The reported item is inconsistent with my established payment practices and seems inaccurate. Kindly investigate and update my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Request for Debt Validation To Whom It May Concern, I am writing to formally dispute and request validation of the alleged debt that your office claims I owe. 
According to my credit report, you are reporting the following account : Collection Agency : Credence Resource Management Original Creditor : XXXX XXXX XXXX XXXX Reported Balance : {$840.00} Date Opened : XX/XX/year> Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide proper validation of this debt, including but not limited to : - A copy of the original signed contract or agreement with the original creditor. 
- Documentation showing your legal authority to collect on this account. 
- A complete payment history, including how the balance was calculated. 
- Verification that you are legally licensed to collect debts in my state ( Texas ). 
If you can not provide this documentation, you must immediately cease collection activity and remove this account from any credit bureau reporting. 
This is not a refusal to pay, but a notice that your claim is disputed. Be advised that continued collection activity without validation is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
I need to make some disputes on my account, there were multiple unauthorized withdrawals and transactions on my account while I was incarcerated. I was just released XX/XX/XXXX and I need to make disputes ranging from XX/XX/XXXX - XX/XX/XXXX. I will attach documentation to verify in seperate email. There was no way for me to access my account or make any transactions, as I was incarcerated jail and the only person who couldve used my account is a roommate that I was living with and I didnt give them authorization to make any transactions or activity on my account at all. This should have been resolved in my favor without a doubt. I provided all documents and documentation as needed and to verify my claims. My cash tag is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am officially requesting the deletion of this inaccurate account from my credit report, as I never authorized its creation or use. I have included the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: CT

Complaint narrative:
I had received a federal student  loan in 2023 that was sent to XXXX University. I was taking XXXX XXXX classes and did not receive credits and was taking XXXX XXXX classes in which I was not required to pay any student loans. There is now a collection on my credit report for this loan and it needs to be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation