vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX of 2025, I contacted BMO Harris regarding an uncashed check ( Check No. XXXX, Amount : {$180.00} ) that I received, which was due to a deposit issue with my account. I submitted the requested documentation for the check to be reissued, and BMO confirmed receipt of the information, assuring me that a replacement check would be issued. However, on XX/XX/XXXX of 2025, I was informed by BMO that the check was not reissued but instead transferred to the state. This occurred despite my timely actions and following BMO 's instructions. 

Although the amount involved is relatively modest ( {$180.00} ), the time and effort spent resolving this issue have been substantial, taking valuable time away from my professional and personal responsibilities. The ongoing communication delays and lack of resolution have caused unnecessary stress and distraction, which has impacted my ability to focus on important tasks. 

BMOs actions appear to violate Florida Statutes Chapter 501 ( FDUTPA ), which prohibits unfair and deceptive practices, and the duty of good faith and fair dealing required in all contracts. Moreover, the mishandling of my funds and the failure to properly notify me or resolve the issue promptly are a breach of Floridas unclaimed property laws ( Chapter 717 ).

Given the time and frustration this has caused, I am requesting that BMO take immediate steps to ensure that the funds are either reissued to me directly or compensate me for the inconvenience and lost time. I expect a resolution that addresses both the financial and time-related impacts this issue has had on my personal and professional life.

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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I reached out to credit company XX/XX/year> to ask why I have a balance of {$2.00}? I paid the total balance on XX/XX/year>, with the intent to be done with this bill. To my surprise I had a new balance on XX/XX/year>, which I paid in full again, thinking I was done again. Today, XX/XX/year>, I checked to make sure I was done dealing with this bill, and I found another balance of {$2.00} due? They said it was accrued interest on the original purchase. I've paid over {$500.00} interest to this company in good intent to maintain my credit. This practice appears to be a calculating way to get late fees from debtors in an unfair way. I received no notification of the {$2.00} due, and had I not checked, I would have been a slave to this unfair practice.

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 2025-05-08 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2025-05-08 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: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
got an email that someone opened a Chime account with my email and personal information. but i never opened the account with that company : chime.com

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ULRS, Inc.
State: CA

Complaint narrative:
In early XX/XX/XXXX I scheduled a repair service with XXXX XXXX for my mother who was XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has trouble using her phone. I was not present during the repair on XX/XX/XXXX and the repair was not at my house or on an appliance that I owned or installed. My mother, not me, paid for the service using her own credit card. 

On XX/XX/XXXX, my mom contacted XXXX XXXX to say that the repair person damaged the doors and that the quality of the repair performed on XX/XX/XXXX was substandard. She supplied photos and a second opinion from a licensed contractor. 
XXXX XXXX did not agree with her claim and so my mom submitted her claim along with supporting documents to her XXXX XXXX credit card company. XXXX XXXX supported her claim and withdrew payment and they said the dispute was permanently closed on XX/XX/XXXX. 

My mother passed away on XX/XX/XXXX. On XX/XX/XXXX I received a notice from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Collection Bureau saying that that the collection account was mine to pay ( account number XXXX, XXXX ) and that I owed {$810.00}. I responded immediately, disputing the claim because the account was not mine. I submitted supporting documents that dispute was closed by XXXX XXXX. 

On XX/XX/XXXX I filed disputes with all three Credit Bureaus. The collection agency has verified their claim with all the Credit Bureaus but has provided no supporting documents. On XX/XX/XXXX I asked Credit Collection Bureau to withdraw the claim and submitted supporting documents. On XX/XX/XXXX I sent an email to Credit Collection Bureau, asking them to provide documents supporting their claim given that : 1. I was not in contract for the repair work 2. I was not present at the time of service 3. The service did not occur at a house I owned or on a machine that I owned. 
4. I did not approve the service 5. I did not sign any receipt, contract or other paperwork 6. I did not pay for the work. My mother paid for it with her own credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
My Experian credit report is similarly plagued with numerous inaccuracies that have caused significant emotional and financial harm. The XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX ) from XX/XX/XXXX shows an unverified balance of {$7100.00}, while the XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) from XX/XX/XXXX lists a {$0.00} balance but remains inaccurately reported as a charge-off. The XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX ) from XX/XX/XXXX, with a {$1900.00} balance, is also incorrectly reported, and the XXXX  account ( XXXXXXXX XXXX XXXX XXXX XXXX ) from XX/XX/XXXX lists a {$0.00} balance, yet is treated as a charge-off. These errors are a direct violation of my rights under the Fair Credit Reporting Act, specifically 15 USC 1681n, 1681 ( c ) 2, and 1692 ( g ), which mandate accurate reporting and verification of debt. These inaccuracies have made it nearly impossible for me to access financial products, secure housing, or move forward with my life, and I suspect that they are the result of a data breach, which is deeply concerning given the sensitive nature of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( XXXX U.S. CXXXX  XXXXi ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 non-monetary relief
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
Hello. I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute directly to Experian regarding an inaccurate account : XXXX XXXX XXXX {$610.00} Experian responded that the account was " verified as accurate '' but did not provide any documentation showing how this verification was conducted. I requested a method of verification under FCRA XXXX ( a ) ( 7 ), asking for the name and contact information of the party that verified the account and what records were used. Experian did not provide this. 
This same account had previously been deleted, and was later reinserted without written noticea violation of FCRA XXXX ( a ) ( 5 ) ( B ) ( ii ), which requires that the credit bureau notify me within 5 business days of reinserting a previously deleted item. No notice was given. 
Experian has failed to conduct a reasonable reinvestigation as required by FCRA XXXX ( a ) ( 1 ). They appear to have accepted the furnishers claim without any real investigation or document review. I have also provided Experian with my ID, proof of address, and a notarized affidavit affirming that this account is inaccurate and unauthorized. 
Experian continues to ignore my legal right to proper dispute resolution and has not removed or corrected the inaccurate account, despite its failure to verify with supporting evidence. I am now requesting CFPB involvement.

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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX I sent them a letter with copies of each ACH debit transaction asking for reimbursement of XXXX\nXXXX Capital One replied stating that they would need my bank ( Chase) to make a claim directly with them.\n\XXXX I met with a Chase banker who informed me that they could only credit me XXXX days of transactions, and to make the request of CapitalOne directly.\n\XXXX I phoned Capital One Payment Investigations who told me that Chase would have to instigate the claim.\n\n05/06/25 i met with XXXX  at the XXXX XXXX XXXX branch who told me that they could only investigate the last XXXX months, and suggested that I call the Chase Fraud team\n\n05/08/25 I called the Chase Fraud team and was told only transactions occurring in the last XXXX days could be credited. when asked for suggestions for recourse it was suggested to report to the police and make a small claims report'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NC

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 XXXX USC XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized 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 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 U.S.C XXXX section XXXX A. States I have the right to privacy. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Subject : Request for Debt Validation Dear Central Portfolio Control I am writing in response to your communication regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request validation of this debt. 

Please provide the following information : * Proof that I owe this debt ( original creditors name, account number, and a copy of the signed agreement ).

* A detailed breakdown of the amount owed, including interest, fees, and payments credited.

* Verification that your company is legally authorized to collect this debt in Texas.

* The date of the last payment. 

Until you provide this documentation, I dispute this debt and request that you : Cease all collection efforts by reporting this to the credit bureaus Update my credit report to reflect this dispute. 

Confirm in writing if this debt has been sold or transferred. 

If you fail to validate this debt within 30 days, I expect all collection activities to stop, and the debt to be removed from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
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 2025-05-08 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: TX

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 non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my [ Equifax ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and 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 2025-05-08 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: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation