vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 XXXX years. 

15 U.S.C. 1681s-2 ( 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 XXXX years. 

15 U.S.C. 1681s-2 ( 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 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: FL

Complaint narrative:
l am writing to inform you that I am a victim of identity theft and was affected by a data breach that compromised my personal information. As a result, several fraudulent accounts have been reported on my credit file without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: NJ

Complaint narrative:
b'I reported these as fraud to the companies listed below Experian did not take them off as. Requested. I am writing to dispute unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries, and they are the result of fraud. Under the Fair Credit Reporting Act, I am requesting that these inquiries be removed from my credit file immediatelyXXXX 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 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

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 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/year>, I tried to transfer money from our BMO Checking account ( ending in XXXX ) to our XXXX Brokerage account ( ending in XXXX ) ( which I have done in the past years ). Our XXXX account was removed from the transfer list so I added it again. BMO wanted to verify the account so on XX/XX/year>, they Direct Deposited into the XXXX XXXX separate amounts : {$0.00} and then {$0.00}. After these went through, BMO then completed a XXXX XXXX from my XXXX account $ XXXX. Once the XXXX account was verified, I then proceeded to transfer XXXX separate amounts from BMO to XXXX. The first was for XX/XX/year>, in the amount of {$20000.00} and the second for XX/XX/year>, in the amount of {$20000.00}. Immediately, my BMO account was put on hold. I called the BMO customer service number to ask why my account was put on HOLD and was told for a review. They would not tell me what kind of review only that it would take at least XXXX hours for the review. 
At this time, I then physically went into the BMO Bank in XXXX XXXX, Indiana to speak directly to a banker. I spoke to XXXX, who then in turn called and could not get a straight answer either. I called again on XX/XX/XXXX and once again didn't receive the money in my XXXX account, or my BMO account. I again went to the XXXX XXXX XXXX, spoke to XXXX again and she couldn't get an answer either. I did receive an email from BMO stating that the {$20000.00} tranfer on the XXXX was scheduled for the XXXX but never happened. The {$20000.00} transfer that was supposed to happen on the XXXX was completely gone. 
On XX/XX/year>, I called again and was told that BMO had our {$20000.00} and that it would be put back into our account by XX/XX/XXXX, end of business day. 
As of today, XX/XX/XXXX, we still do not have our {$20000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-2 ( 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 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: MD

Complaint narrative:
On XX/XX/year> I paid my Fidelity XXXX bill online. I made an error in inputting the amount and supidly did not check my work. I overpaid the bill by more than {$16000.00} because of an extra digit. I realized what had happened that day and called Elan, the servicer. I asked to have the overpayment sent back to my bank account. I was told to call back on the XXXX because my payment had not yet posted. When I called on the XXXX I was told that the overpayment could not be returned to my account and that a check would be mailed. I then went on a trip. When I returned and got my mail on the XXXX, there was no refund check. I called on the XXXX and was told that the check was being held until at least the XXXX because of the large amount and that it might be held even longer. I asked for a supervisor who gave me no further explanation and no satisfaction. I really think this is unacceptable. I have had this XXXX  card for many years and the payments have always come from the same bank account so obviously it was an innocent mistake and not fraud. I think Elan is just using this as an excuse to make money on my money,

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 2025-08-17 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:
I NOTICED SOME FRAUD ACCOUNTS LISTED ON MY CREDIT REPORT.

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 2025-08-17 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: TX

Complaint narrative:
I have recently pulled my credit report and there are still inaccuracies reporting on my report from XXXX XXXX XXXX. I request a reinvestigation of the inaccuracies of this report and verification of the account listed on my report

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: GA

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 15 USC 1681. 

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 States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 XXXX years. 

15 U.S.C. 1681s-2 ( 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 2025-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX XXXX involved. Please review the uploaded letters.

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 2025-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: KS

Complaint narrative:
Issue : Auto Loan Deceptive Contract / Misrepresentation of Finance Charges Details of Complaint : I purchased a XXXX XXXX Encore from XXXX XXXX XXXX ( XXXX  XXXX, MO ) on XX/XX/XXXX, financed through Credit Acceptance Corporation. Upon reviewing the contract, I discovered violations of the Truth in Lending Act ( 15 U.S.C. 1605, 1638 ) and the FTC Holder Rule ( 16 C.F.R. 433.2 ). 

Specifically, the contract improperly included optional products without clear disclosure or informed consent : {$3000.00} extended warranty ( XXXX, XXXX ) {$1500.00} GAP coverage {$390.00} administrative fee These were added into the amount financed, inflating the loan and misrepresenting the true cost of credit. 

I have paid {$8100.00} to date ( {$1500.00} down payment + XXXX XXXX payments of {$550.00} ). I am demanding a refund of these funds under the XXXX XXXX and TILA while retaining possession of the vehicle. 

Both the lender and dealer have failed to respond to my written demand letters. I am requesting the CFPBs assistance in compelling Credit Acceptance and XXXX XXXX XXXX to provide a refund and correct any related credit 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 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
The collection account ( XXXX ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonXXXX  XXXX, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : [ Insert Date ] Equifax Information Services, LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Charge-off I am formally disputing the inaccurate reporting of the account listed below : Creditor : Navy Federal Credit Account Type : Installment Date Opened : XX/XX/XXXX Reported Status : Charge-off Balance : {$9500.00} Last Payment : XX/XX/XXXX This account is being reported in violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. Contradictory Balance vs. Status The account is marked Paid Off, yet still lists an active balance of {$9500.00}. This is contradictory and misleading, violating FCRA 607 ( b ). 
2. Unlawful Re-Aging Although the last payment occurred on XX/XX/XXXX, you are showing the status updated as Charge-Off in XX/XX/XXXX. This is re-aging of the debt, a prohibited practice under FCRA 623 ( a ) ( 5 ).

3. Incomplete & Unverifiable Reporting The credit file omits critical fields such as original balance and monthly payment terms, rendering the reporting incomplete and unverifiable, violating FCRA 602 ( A ) and 607 ( b ).

4. Improper Payment History Reporting The account reflects 36 months of continuous Charge-Off notations, which is inaccurate. A charge-off should not be reported as a recurring delinquency every month. This practice inflates derogatory marks, violating FCRA 607 ( b ).

I demand that this account be permanently deleted from my credit report immediately. If you can not verify the accuracy of every detail with complete documentation from the original creditor, then per FCRA 611 ( a ) ( 5 ), you are required to remove this item.

Please complete your reinvestigation within 30 days and provide me with a written statement of the results. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief