vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$2200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b'Financial Product: Mortgage / Physician Loan Program\nCompany: BMO Bank N.A.\n\nComplaint Narrative:\n\nI applied for a physicians home loan with BMO Bank N.A. under the guidance of their representatives, XXXX XXXX  and XXXX XXXX My experience with this process raises serious consumer protection concerns.\n\nFailure to Disclose Eligibility Criteria:\nI was never informed at the outset that I was ineligible due to a graduation timeline requirement. Instead, I was asked to submit multiple confidential financial documents, only to be told later that I did not qualify.\n\nImproper Denials:\n\nThe first denial came within hours of applyingwithout adequate opportunity to submit all documents or any clear communication about underwriting timelines.\n\nThe second denial was for a completely different loan product (a jumbo loan) that was never discussed, explained, or authorized by me.\n\nMisrepresentation and Lack of Communication:\nXXXX XXXX, labeled as a Physicians Loan Specialist, never once contacted me directly during this process. Communication was fragmented, inconsistent, and misleading. This conduct made the process feel deceptive and more like a sales tactic than a professional loan evaluation.\n\nI believe BMO engaged in misrepresentation and improper handling of my mortgage application. Sensitive personal and financial information was collected under false pretenses, and I was subjected to unnecessary denials and confusion.\n\nRequested Resolution:\n\nReview and investigation into BMOs physician loan practices.\n\nWritten acknowledgment of wrongdoing and assurance of corrective measures.\n\nProtection for other consumers from similar treatment, especially in niche loan programs marketed toward physicians.\n\nThis complaint is filed in good faith to highlight practices that I believe may be misleading, unfair, and potentially harmful to other borrowers.\n\nSincerely,\nXXXX 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 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year> I financed a {$38000.00} solar installation through Dividend Finance, but the installer ( XXXX XXXX ) went bankrupt and never completed the project. I still have panels in my garage and no working system. Despite this, Dividend continues to bill me about $ XXXX for the loan while I also pay ~ $ XXXX for my regular utility bill. XXXX XXXX also falsely claimed XXXX approval, which led to a {$500.00} legal issue I had to pay. I emailed Dividend over XXXX hours ago requesting loan cancellation, removal of charges, and protection from negative credit reporting, but received no response. I am requesting that Dividend Finance cancel this loan, stop billing, and confirm my credit will not be harmed for a system that was never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: CT

Complaint narrative:
I am disputing billing and reporting errors that are harming my credit. Under TILA ( 15 U.S.C. 1666 ( b ) ), creditors must accurately record payments, apply credits, and provide a 21-day advance notice of payments due. These requirements were not met : my payments were misapplied or unrecorded, calculation errors exist, and proper notice was not provided making any late marks invalid.

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 2025-08-21 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: OR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: PNC Bank N.A.
State: PA

Complaint narrative:
Im contacting regarding reference : XXXX for a dispute of XXXX I found found liable for XXXX $ out of the XXXX $ but that makes XXXX sense how would I be liable for XXXX $ but the charges came from the same place and the same time and they came form XXXX XXXX I am in XXXX. I would like this to be corrected as fast as possible this is my bill money you guys are playing with. I even press N on the text for the charges to be declined and not to approved then but you guys did any ways. I can log into my bet mhm and show and prove I have no transactions on my account this is a fraudulent charge that I did not authorize. And the picture I posted below is a XXXX selling that scammed me and when reported that they told me they would expose all my Information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
i have this collection whithout notified any company for {$260.00} by other collection agency adress XXXX XXXX XXXX XXXXXXXX XXXX  XXXX phone number XXXX the original creditor XXXX XXXX XXXX  date XX/XX/2023

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NV

Complaint narrative:
Equifax is reporting a late payment on my XXXX XXXX XXXX account, number XXXX XXXX XXXX XXXX XXXX with a balance of {$490.00}. The late payment is listed as occurring on XX/XX/2022. This reporting is simply not accurate.

I have maintained this account responsibly and there has never been a delinquency as described. By placing this false negative information on my credit file, Equifax is misrepresenting my financial behavior. The Fair Credit Reporting Act, under 15 U.S.C. 1681e ( b ), makes it clear that consumer reporting agencies must ensure maximum possible accuracy when preparing credit reports. A single false late payment undermines my entire creditworthiness and puts me at a serious disadvantage.

What troubles me most is that I have tried to correct this issue before. I submitted a dispute, and Equifax supposedly verified the information, but that so-called investigation produced no real validation or evidence. Under 15 U.S.C. 1681i, Equifax is required to conduct a proper reinvestigation and delete or correct inaccurate or unverifiable information. Passing along the same data without proof is not a reinvestigationits negligence, and it directly harms me.

Because of this false late payment, I have been unfairly penalized with higher interest rates, skepticism from lenders, and the stigma of looking irresponsible when I am not. This has caused real stress in my day-to-day life, especially when I know I have done everything right on my end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
I have been a victim of identity theft several times. Back in 2022, my identity was used to open an XXXX loan in my name for the amount of {$24000.00}. In recent years my identity was stolen and used for several things such as credit card accounts, my state identification was stolen and used to open mobile phone accounts, my personal information was manipulated, and I was involved in the Experian and Equifax data breach. Collection agencies have been calling me, and I was so confused. I checked my credit report for the first time in a long time, and realized, I'm once again a victim of identity theft. I included as many accounts as possible on this report but couldn't include all. All of the negative items on my account are due to identity theft. I've been working hard to restore my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
I have been a victim of identity theft several times. Back in 2022, my identity was used to open an XXXX loan in my name for the amount of {$24000.00}. In recent years my identity was stolen and used for several things such as credit card accounts, my state identification was stolen and used to open mobile phone accounts, my personal information was manipulated, and I was involved in the Experian and Equifax data breach. Collection agencies have been calling me, and I was so confused. I checked my credit report for the first time in a long time, and realized, I'm once again a victim of identity theft. I included as many accounts as possible on this report but couldn't include all. All of the negative items on my account are due to identity theft. I've been working hard to restore my personal information.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
I sent a certified letter to them requesting the correct information and didnt not receive a reply of the correct date as it should have fallen under bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is not authorized. Please remove it from my credit report immediately XXXX XX/XX/year>

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 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
Dispute of Inaccurate Credit Reporting Charge-Off Account Creditor Name : Acima Digital FKA Simp Account Number : XXXX Date Opened/Closed ( if known ) : XX/XX/XXXX Date of Charge-Off : XX/XX/XXXX Dear XXXX Dispute Department, I am writing to formally dispute the accuracy and completeness of the charge-off account being reported by Acima Digital, formerly Simp, on my credit report. This account appears on my credit file with a charge-off status dated XX/XX/XXXX. 

I request that this item be investigated under the Fair Credit Reporting Act ( FCRA ), specifically : 1. Inaccurate or Unverifiable Information FCRA 611 [ 15 U.S.C. 1681i ] Under FCRA 611, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. Upon receipt of this letter, you are required to investigate the disputed item, verify its accuracy, and respond within 30 days.

I request verification of the following : The full payment history and original contract with my signature Any documentation proving the debt is valid and accurate The correct charge-off date and outstanding balance That Acima is the rightful creditor and legally authorized to report this debt 2. Obsolete Reporting FCRA 605 ( a ) ( 4 ) [ 15 U.S.C. 1681c ( a ) ( 4 ) ] FCRA prohibits reporting of charge-off accounts older than 7 years from the date of first delinquency. If the original delinquency occurred prior to XX/XX/XXXX, this account may be considered obsolete and must be removed.

Please confirm the date of first delinquency ( DOFD ) used to calculate the 7-year reporting window. 



3. Failure to Report Accurate and Complete Data FCRA 623 [ 15 U.S.C. 1681s-2 ] If Acima Digital ( or any data furnisher ) is reporting inaccurate or incomplete information, they are in violation of their duty under 623. This includes reporting outdated balances, payment histories, or failing to update accounts accurately after resolution.

Request for Action Please conduct a thorough investigation of this account and provide me with : The results of your investigation A revised copy of my credit report, if changes are made The method used to verify the information and contact details of the entity that verified it If this account can not be verified or confirmed as accurate, I request that it be deleted immediately from my credit file. 

This letter serves as a formal dispute. If you find that Acima Digital is reporting false or unverifiable information, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals office. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-22 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: OH

Complaint narrative:
This situation has led to considerable stress and disrupted my sleep, which is especially frustrating given my diligent compliance with all payment obligations. Encountering problems for actions I didn't take feels unjust. I urge you to address this issue swiftly, correct any inaccuracies in my account, and help restore 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