vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Good afternoon. I had a BMO account and ive had it over 6 months. My account was restricted on XX/XX/year>. I had been receiving deposits from my job into my account. My dad used my account for his income tax, but that issue didnt come up until today XXXX XXXX. When my account got restricted i was told to send in documents to support a couple of deposits that had been made into the account which was third party and i complied with what they wanted. I had to get with the people and notary together to fill out and sign the documents and i did that. On Thursday XX/XX/year> i was told by someone from BMO fraud dept that they were waiting to verify my documents. I was told it takes 3-5 business days to review so i should call back on Monday. Instead of calling on Monday i called today XX/XX/year> and what i was told today was totally different from what i was continously told every time i called to check on the account. Now today i was told that my account was closed out because they reached out to me on XX/XX/year> to add my dad to my account because an ach had came into my account for him which was his taxes. So they are holding my funds and refusing to send any funds back to senders no matter how they got into the account. From XX/XX/XXXX, to XX/XX/year> i received my paycheck by direct deposit from my tax group and it equals up to {$15000.00}. I contacted the issuing company which is XXXX XXXX and told them that they need to retract the payment and they said that they cant because the payments went into the right account and the account is in closing status. And BMO said that they wont be returning the funds. So how can they hold my money and not send it back to the sender. They shouldnt be allowed to hold something thats not theirs.

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 2025-04-15 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: MD

Complaint narrative:
I am reaching out to request an update to the name listed on my credit report to ensure that my records accurately reflect my correct information. SEE ATTACHED DOCUMENT.

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 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KY

Complaint narrative:
I received an email from Mohela back in XXXX stating my student loans had been deferred. I got notified a last month that they were back in repayment so I have been trying to get access the website to start the repayment process but I have been getting a notification that they can't find my account. Today I got a notification that I had 12 delinquent charges to my credit report which dropped my score from the XXXX to the XXXX. I can never get through when I call and it seems the only way to send an email is if you have access to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-04-15 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-04-15 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: GREENSKY OPERATIONS, LLC
State: FL

Complaint narrative:
XXXX ID XXXX. Dated XX/XX/year>. They gave the loan to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX by XXXX for installation of XXXX XXXX, but they never made the windows installation and now they want I pay for a products never received. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX {$660.00} Date Opened : XX/XX/year> PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I went to XXXX  XXXX XXXX to purchase furnishings via Acima. The lady who ran the report stated that I have a purchase with an outstanding balance from XXXX from XXXX XXXX of the XXXX in XXXX, NC. This information is inaccurate. I called XXXX XXXX and asked for the account XXXX. Her name is XXXX. I asked her if she could check to see if I have an account via my name, email or phone number from XXXX. She checked and stated that I have no account there EVER. So I call Acima and ask them if there is a signature page or identification page with my name on it. She stated no. I asked her what the next steps are in order for me to have this removed. She told me to email the fraud line. I do so. At first they told me to file a police report. I then asked them if I file a report does it need to be in the county I live in or the county in which the alleged purchase occurred. They came back and said that I should file a complaint with FTC ( they provided a link ) and send them a copy of my id and to send proof of them doing so. They then come back and say that I need to go file a police report. I told them that I have sent over a copy of my government identification which include my signature. If I have an account with them, both of these are needed to solidify the lease agreement and they can use that. I got no response. I also asked them to send me a copy of the lease agreement with my signature and identification attached. No response. Please rectify this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally follow up on my initial complaint regarding the accounts listed on my credit report. 

The bureau initially responded to my complaint by removing the XXXX XXXX accounts from my report. However, they have since reinserted these same accounts without providing proper validation. This action is a direct violation of the Fair Credit Reporting Act ( FCRA, specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ), which requires that if an account is reinserted after deletion, the credit bureau must : Notify me within 5 business days, and Certify the account has been verified by the original creditor. 

No such notification or validation was provided. 

Furthermore, these accounts appear inconsistent across the credit bureaus, which is a red flag for potential fictitious or unverifiable reporting. Experian, for example, has permanently removed these accounts due to failure to validate, after I submitted a police report and affidavit confirming I am a documented victim of identity theft and fraud. 

At the time these fraudulent accounts were allegedly opened, I had a credit freeze and active fraud alert on file. Any applications should have triggered identity verification steps, including contact with me directly none of which occurred. This confirms that the accounts were opened without my authorization and proper validation. 

They added the accounts back to my report without seeking validation requesting the Original Note, Wet Signature and Copies of the IDENTIFICATION used to VALIDATE the accounts. Anyone can provide a name, date of birth and social when stealing your identifications. They did not provide information that the details were certified or validated. 


Supporting Documentation attached Copy of my 3-bureau credit report, showing inconsistent reporting ( dates, status, amounts, to name a few ). These discrepancies proves errors are evident and should be permanently removed. Some of the dates for one of the reporting agencies also prove that they are outside of the statute of limitations for the state. They have not done their due diligence and validated these accounts. 

Police report affirming identity theft and fraud, already submitted in the previous complaint. 

Evidence that Experian removed these accounts based on failure to validate can be provided by looking at the 3 account report attached. 

The agency has already had up to 60 days to review these accounts and provide certifiable validation. I am seeking for immediate resolve.

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 2025-04-15 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: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). Harassment under 15 USC 1692d ( Section 806 ). Recently, I received notice that your investigation was com
plete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me XXXX. 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 2025-04-15 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: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Client Services, Inc.
State: ID

Complaint narrative:
I never received a physical card on this account for months and charges where going through and kept going through that I never had the card to do so I also am going through identity theft and data breach and discovered I had a compromised phone and a XXXX  swap that I didnt know anything about until all these accounts where being used and was not used by myself at all .. locations of charges do not exist and the places that do have no card data for the card XXXX that I never got only had the last XXXX on the transactions to research it and the name on the account has went bonkers and along with that I had a chase slate card at the same time signed up without.my knowledge that they closed it was fraud they did nothing on this account and now they have charged it of wrote it off left a balance on my credit and now client services have the collection on the account and I can prove the only card I got doesnt match any of this and the account number doesnt even come close to matching

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: VA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you,, Experian credit reporting agency , Equifax credit reporting agency , and TransUnion credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX ACCOUNT NUMBER XXXX amount {$230000.00} XXXX XXXX  XXXX ACCOUNT NUMBER XXXX AMOUNT {$89000.00}XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER XXXX AMOUNT {$2800.00}, XXXX XXXX ACCOUNT NUMBER XXXX XXX AMOUNT {$560.00}, and XXXX ACCOUNT NUMBER XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief