vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The manager of this BMO bank promised me that if I got 2 consecutive deposite of my social security she will at the end of XX/XX/year> would pay me {$800.00} as a promotion. They only deposited {$300.00}, when I enquired why the banks dept said the manager pressed the wrong code. Now that I want to close my account from this bank they do not want to transfer the funds to the banking want them to transfer it to. As if they dont want to give my initial or the promotion amount back to me. I have complained to the bank but they still dont want to release my funds or the promotion. Please help me get my money from this Bank. BMO bank on XXXX XXXX in the city of XXXX. California XXXX. Thank you

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 2025-08-18 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: AL

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 : ACCOUNTS : XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8100.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} 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 explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian continues to report three XXXX XXXX XXXX tradelines ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) as Paid, Closed yet still coded as Charge-Off / Potentially Negative. This is factually inaccurate, incomplete, misleading, and non-compliant with Metro 2 standards. A paid, closed account can not simultaneously be coded derogatory. The reporting is contradictory, unverifiable, and materially misleading. 

Additionally, these tradelines are now time-barred and obsolete. Under FCRA 605 ( a ) [ 15 U.S.C. 1681c ], charge-offs may not be reported beyond 7 years + 180 days from the date of first delinquency. These accounts exceed the permissible reporting period and must be deleted. Continued publication of obsolete data is a direct statutory violation.

I have disputed these repeatedly for over 12 months. Experian has failed to conduct a reasonable reinvestigation and continues to maintain inaccurate, obsolete, and unverifiable data in violation of FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ).

Experian also continues to report an address I never lived at : XXXX XXXX XXXX XXXX  MA XXXX ( XX/XX/XXXX ). XXXX and TransUnion deleted it, but Experian refuses. This unverifiable address is factually false, misleading, and non-compliant with Metro 2 personal identifier standards, creating risk of mixed file and identity confusion.

Experians ongoing reporting of obsolete, inaccurate, incomplete, and unverifiable data after repeated disputes is clear evidence of Metro 2 non-compliance and willful FCRA violations.

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 2025-08-18 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: IL

Complaint narrative:
This is a formal dispute regarding a fraudulent account listed under my name. I have no connection to this account and never authorized its creation. Its presence is false, misleading, and damaging to 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 non-monetary relief
Consumer complaint received 2025-08-18 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: AL

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 : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8100.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to dispute the way my closed XXXX XXXX account is being reported on credit reports and to request immediate resolution. 

I was a co-owner on XXXX XXXX XXXX XXXX account that was closed after the other account holder filed for bankruptcy in XX/XX/XXXX. Immediately after the bankruptcy filing, I attempted to make payments toward the remaining balance, but XXXX XXXX informed me I could not because of the other partys bankruptcy status. From XX/XX/XXXX to XX/XX/XXXX, my credit score was not impacted. 

Beginning in XX/XX/XXXX, my credit score began to drop because of this delinquency. Despite my repeated efforts to resolve the debt with XXXX XXXX, the account continues to be reported as unpaid, and my credit score has dropped from XXXX to XXXX. I no longer have access to this account via XXXX XXXX XXXX XXXX as the account is marked closed. The only communication that has existed are my multiple calls with Customer Support including the last XXXX on XX/XX/XXXX and XX/XX/XXXX. 

This reporting is unfair and inaccurate because it implies I have refused to pay, when in fact I have been prevented from doing so. Repeated calls with XXXX XXXX have resulted without resolution. They report they are unable to reopen the account to allow for payment, but they continue to report monthly which negatively impacts my credit score.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to dispute the way my closed XXXX XXXX account is being reported on credit reports and to request immediate resolution. 

I was a co-owner on XXXX XXXX XXXX XXXX account that was closed after the other account holder filed for bankruptcy in XX/XX/XXXX. Immediately after the bankruptcy filing, I attempted to make payments toward the remaining balance, but XXXX XXXX informed me I could not because of the other partys bankruptcy status. From XX/XX/XXXX to XX/XX/XXXX, my credit score was not impacted. 

Beginning in XX/XX/XXXX, my credit score began to drop because of this delinquency. Despite my repeated efforts to resolve the debt with XXXX XXXX, the account continues to be reported as unpaid, and my credit score has dropped from XXXX to XXXX. I no longer have access to this account via XXXX XXXX XXXX XXXX as the account is marked closed. The only communication that has existed are my multiple calls with Customer Support including the last XXXX on XX/XX/XXXX and XX/XX/XXXX. 

This reporting is unfair and inaccurate because it implies I have refused to pay, when in fact I have been prevented from doing so. Repeated calls with XXXX XXXX have resulted without resolution. They report they are unable to reopen the account to allow for payment, but they continue to report monthly which negatively impacts my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: WI

Complaint narrative:
I am writing to dispute the way my closed XXXX XXXX account is being reported on credit reports and to request immediate resolution. 

I was a co-owner on XXXX XXXX XXXX XXXX account that was closed after the other account holder filed for bankruptcy in XX/XX/XXXX. Immediately after the bankruptcy filing, I attempted to make payments toward the remaining balance, but XXXX XXXX informed me I could not because of the other partys bankruptcy status. From XX/XX/XXXX to XX/XX/XXXX, my credit score was not impacted. 

Beginning in XX/XX/XXXX, my credit score began to drop because of this delinquency. Despite my repeated efforts to resolve the debt with XXXX XXXX, the account continues to be reported as unpaid, and my credit score has dropped from XXXX to XXXX. I no longer have access to this account via XXXX XXXX XXXX XXXX as the account is marked closed. The only communication that has existed are my multiple calls with Customer Support including the last XXXX on XX/XX/XXXX and XX/XX/XXXX. 

This reporting is unfair and inaccurate because it implies I have refused to pay, when in fact I have been prevented from doing so. Repeated calls with XXXX XXXX have resulted without resolution. They report they are unable to reopen the account to allow for payment, but they continue to report monthly which negatively impacts my credit score.

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 2025-08-18 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: Experian Information Solutions Inc.
State: FL

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

1681c2 ) that you, the Experian 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 Date : XX/XX/XXXX ACCOUNTS : 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 : {$10000.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, 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, 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 explanation
Consumer complaint received 2025-08-18 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: MS

Complaint narrative:
To your company. I have several accounts reporting inaccurate dates of last activity and other dates that are inaccurate between XXXX, Experian, Transunion. This violates the FCRA and therefore these accounts must be deleted immediately, ( XXXX XXXX  XXXX  ) ( XXXX XXXX ) ( XXXX XXXX XXXX  ) ( XXXX XXXX XXXX  ) ( XXXX XXXX XXXX  ) ( XXXX XXXX ) ( XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: AL

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 XX/XX/XXXX Date : XXXX XXXXXX/XX/XXXX Date : XXXX XXXX XXXXXX/XX/XXXX Date : XXXX XXXXXX/XX/XXXX Date : XXXX XXXX XXXXXX/XX/XXXX Date : XXXX XXXXXX/XX/XXXX Date : XXXX XXXX XX/XX/XXXX Date : XXXX XX/XX/XXXX Date : ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXXXXXX Balance : {$1100.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXXXX/XX/XXXX, Balance : {$11000.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} 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 explanation
Consumer complaint received 2025-08-18 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:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX 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 : ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$310.00} 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 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 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This company has been improperly contacting me and family members demanding money and using abusive threatening communication. I have asked this company to stop contacting me and provide documentation but they insist on this abusive and unprofessional language.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST HORIZON BANK
State: GA

Complaint narrative:
I lost my card along with other cards on XX/XX/XXXX when I went out to a party. I then got a text a few days later that a charge was posted to my account, and I said " no. '' It was charged from XXXX. I live in the United States and can not even travel outside of the country since my passport has expired. My mother passed away on XX/XX/XXXX, and I did not have time to call this card company until XXXX. They denied the claim because they said it was too long before I reported it lost. Ridiculous!!!! 

I am including my expired passport as proof that I could not have travelled anywhere outside of the country. I demand that this charge be removed from my statement immediately. The case number is XXXX. 

Before I get the lawyers involved and sue this company, I demand that this be resolved.

Company response to consumer: Closed with monetary relief