vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: PA

Complaint narrative:
I am disputing the following items on my credit report as inaccurate or incomplete. I request a thorough investigation and correction of these discrepancies as outlined under the Fair Credit Reporting Act. If these items can not be verified, I request that they be removed from my credit report. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-03 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: WI

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I assert that the erroneous late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made my payments on time, and any inaccuracies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I made a deposit of {$25000.00} personal injury check from XXXX to my checking account on XX/XX/year>. 

Before handing the check over for deposit, I inquired with the banker when funds would be available. She said portion would be available the next business day and the rest would be held. I repeatedly asked for assurance regarding funds availability because if there was going to be an issue I could easily go somewhere else in XXXX XXXX to cash my check. She reassured me and after I gave her my check to deposit, she gave me a receipt for the {$25000.00} deposit stapled to a Notice Of Hold letter stating the reason for the hold was due to the large amount and that BMO was delaying the availability of {$18000.00} from the deposit. Based on what the banker told me and the official receipt stapled to the hold letter, I was lead to believe {$6700.00} of the deposited check would be available the next business day. I then received an email later that evening on XX/XX/year> stating that the full amount of $ XXXXwas being held. 

The next day I went into the BMO branch to talk to the branch manager and tell her how I was deceived and due to this deception my choice to deposit my check somewhere else was taken from me. 

I provided the branch manager with mitigating documents such as emails from the XXXX XXXXXXXX XXXX adjuster that sent the personal injury settlement check and signed full release form from XXXX releasing the {$25000.00} to me. The branch manager copied these documents and said she would send them to the fraud department and transaction monitoring to see if they could release the hold. The next day I followed up with the branch manager and she told me the hold was going to be released and she was just waiting for an email confirming that it was done and I could just keep checking my account that day to see when the funds showed as available. The fund did become available that day and I began to transact using those funds. However, when driving from XXXX XXXX to XXXX XXXX XXXX to take my XXXX grader trick or treating I found out my account was blocked when I stopped gas out in the middle of no where. Stranded, out of gas, and no access to my funds again. From that point to XX/XX/year> there have been multiple phone calls to BMO where they have transferred me to the fraud department that has had very rude and unprofessional interactions with me. I still do not have access to my funds. I was mislead at the point of deposit, hold was released, and then my account was blocked. All of this is unacceptable.

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 2025-11-03 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: FL

Complaint narrative:
I am writing to formally dispute the late payment entries being reported on my closed account with XXXXXXXX XXXX  ( Account # XXXX ). These entries are negatively impacting my credit score and overall credit health, despite the account having been satisfied in full. 
I had a positive and responsible relationship with XXXXXXXX XXXX throughout the life of the account, and I believe these late payments are inaccurately reported. After the account was closed and paid, I expected that any lingering issues would be resolved in good faith. Unfortunately, the continued reporting of these late payments is both incorrect and unfair. 
I respectfully request that XXXXXXXX XXXX investigate this matter and take immediate action to : Correct any inaccurate late payment entries associated with this account. 
Update the credit bureaus to reflect the accurate status of the account. 
Provide written confirmation of the corrections made. 

Please consider this request as part of a goodwill adjustment, given the overall positive history I maintained with your institution. I am confident that XXXXXXXX XXXX  values its customers and will act promptly to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response and a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: IA

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX  days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * * * Balance {$520.00} Therefore, the following accounts must be deleted from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: IA

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX  days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * * * Balance {$520.00} Therefore, the following accounts must be deleted from my report immediately.

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 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute several entries on my credit report that I believe are incorrect, incomplete, or unverifiable under the Fair Credit Reporting Act ( FCRA ). Please investigate the following accounts and make any necessary corrections in accordance with the FCRA and Metro-2 compliance standards. 
Disputed Accounts : Account XXXX : XXXX XXXX XXXX Account Number : [ XXXX ... ] Original Creditor : XXXX XXXX XXXX Account Status : Negative Reason for Dispute : This account is being reported as a charge-off despite the dispute being resolved. Please verify its accuracy under FCRA 1681i. 
Account XXXX : XXXX XXXXXXXX XXXX XXXX Account Number : [ XXXXXXXX XXXX  ] Original Creditor : XXXX XXXX XXXX  Account Status : Positive Reason for Dispute : This account has been incorrectly reported with late payments. 
Please verify the reporting accuracy under FCRA 607 ( b ) and 1681i. 
Account XXXX : XXXX XXXX XXXX  Account Number : [ XXXXXXXX XXXX  ] Original Creditor : XXXX XXXX  Account Status : Negative Reason for Dispute : The account status is incorrect, and I suspect that there may have been a breach of data security. Please investigate under FCRA 607 ( c ) and 605B for any violations. 
Violations and Data Breach Concerns : I suspect that some of these inaccuracies may be linked to a potential data breach or unauthorized disclosure of my personal credit information. Please review this account in light of FCRA 607 ( c ) for data breach protections.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
On XX/XX/year>, I received a targeted email directly from Bank of America offering a {$100.00} bonus for existing checking account holders who set up qualifying direct deposits totaling {$1000.00} or more within 90 days of enrollment. 

I enrolled on XX/XX/year>, through the link provided in that email, and completed the required qualifying direct deposits by XX/XX/year>. The offer stated that the bonus would be credited within 60 days after all requirements were met, provided the account remained open and in good standing. 

When the bonus was not credited, I contacted Bank of America on XX/XX/year> to inquire. At that time, I was informed that I was ineligible because I had received a previous, unrelated checking account bonus. 

The offer terms I received included the line : Offer can not be combined with any other checking offer and is limited to one bonus per account and per customer. 

My good-faith understanding was that this meant the same promotional offer could not be used more than once not that receiving a different checking bonus months earlier would permanently disqualify me. Nothing in the offer disclosed that prior participation in unrelated promotions would make me ineligible. 

Furthermore, Bank of Americas system accepted my enrollment and never indicated any restriction at the time. I only learned I was ineligible months later, after reaching out myself. The bank could have easily prevented enrollment or displayed a notice of ineligibility but chose not to, causing me to complete all requirements under a reasonable belief that I qualified. 

By allowing me to enroll and fulfill all conditions, then later denying the bonus based on an undisclosed criterion, Bank of America engaged in misleading and unfair practices. 

Resolution requested : I am requesting that Bank of America : Honor the {$100.00} promotional bonus. 

Supporting documents available : Copy of the XX/XX/year> targeted email and offer terms Proof of enrollment ( XX/XX/year> ) Bank statements showing qualifying direct deposits ( completed XX/XX/year> )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX ( {$60.00} ) and XX/XX/XXXX ( {$19.00} ) I paid for XXXX XXXX using my Cash App Card through XXXX XXXX. I was never able to access XXXX XXXX at all, even after multiple password resets. XXXX support told me XXXX must refund because XXXX did not bill me directly. XXXX support told me XXXX must refund because they are the service provider. I have spent over 3 hours between both companies trying to resolve. I then opened a dispute through Cash App and it was denied even though this was a non-delivered digital service. I paid for a service I never received and neither XXXX nor XXXX will issue a refund. I am requesting regulatory intervention for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 non-monetary relief
Consumer complaint received 2025-11-03 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: IL

Complaint narrative:
I am a consumer working to resolve discrepancies in my credit report and would like to dispute certain items. Below is a list of the accounts and inquiries in question, separated by each credit bureau. I kindly request that each bureau investigate and update my credit file accordingly. 
Charged Off Accounts in Dispute : XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX Balance : {$2000.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

XXXX  XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$850.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

XXXX  XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$2200.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

XXXX  XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$1200.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

XXXX  XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$690.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$2400.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX Balance : {$5300.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 
Experian ( EX ) : XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 

XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 

XXXX  Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 
Experian ( EX ) : XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX  Dispute : The late payment listed for this account is incorrect. Please verify and correct the status.

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 2025-11-03 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: FL

Complaint narrative:
This is a formal and urgent complaint against TransUnion LLC for failure to comply with the Fair Credit Reporting Act ( FCRA ) requirements, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates completion of a reinvestigation within 30 days of receiving a consumer dispute. TransUnion has allowed over 30 days to pass without performing a proper reinvestigation or providing verified documentation, thereby violating federal law. This neglect has resulted in ongoing reporting of inaccurate and damaging information on my credit file. 

TransUnions repeated inaction and disregard for statutory timelines show willful noncompliance. I am demanding immediate deletion or verified correction of all disputed accounts listed below and proof that a lawful reinvestigation has been completed. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I timely submitted disputes for the above-listed accounts to TransUnion. Under the FCRA, you are legally obligated to conduct a reasonable reinvestigation and provide the results within 30 days. TransUnion failed to do so. Instead, these accounts remain on my credit report with derogatory notations ( charge-off, collection, and settled less than full balance ), despite my prior communications and supporting documentation proving the entries are inaccurate and damaging. 

This delay and failure to respond violate the FCRA and demonstrate negligence or willful disregard for consumer rights. TransUnions conduct has caused tangible harm to my financial standing, including denials of credit and reputational damage.

TransUnions failure to act within the statutory 30-day period and to maintain reasonable procedures for accuracy violates multiple FCRA provisions, including : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed information within 30 days.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy. 

These violations are willful under 1681n and/or negligent under 1681o, entitling me to damages, costs, and attorneys fees.

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 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-03 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: FL

Complaint narrative:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law. 

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices. 

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under federal law.

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 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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