vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I am filing a complaint because Mountain America Credit Union wrongfully denied my dispute for two transactions made to XXXX on XX/XX/year> for {$1000.00} and {$280.00} ( total {$1300.00} ). These transactions were part of a deceptive XXXX XXXX XXXX  app that misrepresented how deposited funds could be used or withdrawn. 

I deposited my own money into the app and believed I could withdraw it after playing. However, XXXX locks customer funds behind undisclosed playthrough requirements. I tried to withdraw my winnings but the app only allowed me to redeem a small portion and kept the rest locked. I contacted the company, and they provided vague, confusing explanations that contradicted what similar sweepstakes apps ( like XXXX ) allow. After researching online, I found many other consumers reporting the same issues with ReBet withholding funds and misleading users. 

I provided Mountain America with screenshots, transaction proof, and email conversations showing XXXX misleading practices. Despite this evidence, Mountain America denied my dispute twice and stated no error occurred without addressing the deceptive practices or locked funds.

I am requesting CFPB assistance because : The merchant is engaging in deceptive practices regarding access to deposited funds.

I did not receive the service I paid for ( the ability to withdraw my funds ).

Mountain America failed to properly investigate the dispute despite receiving documentation.

I am asking for the {$1300.00} to be refunded because the merchant did not deliver what was represented at the time of deposit.

I have already attempted to resolve this with Mountain America and the merchant, and I have provided all evidence I have. I am now requesting CFPB intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 am writing to formally dispute certain accounts and inquiries appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my credit score, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$38000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Date of Inquiry : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX SPS Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-11-19 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: VA

Complaint narrative:
Dear Sir/Madam, I am submitting this filing in relation to several inaccurate and disputed accounts appearing on my credit report with the XXXX major credit bureaus. Below is a detailed breakdown of each account that requires correction : 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

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 2025-11-19 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$650.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$390.00} XXXX XXXX - XX/XX/XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: AZ

Complaint narrative:
I am disputing the following accounts and inquiries due to possible errors or inaccuracies that I request be fully investigated. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I am filing this complaint because TransUnion failed to conduct a reasonable reinvestigation of my dispute regarding the XXXX XXXX XXXX account ( Acct. ending XXXX ) in violation of FCRA 611 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ). 

I previously filed CFPB Complaint # XXXX on XX/XX/year>. In that complaint, I provided documented evidence showing that XXXX XXXX XXXX is reporting three different and contradictory data sets to the three credit bureaus, which makes the account inaccurate, inconsistent, and legally unverifiable. 

Here is the contradictory reporting : Experian Balance : {$16000.00} past due High Balance : {$0.00} Lates : XXXX, XXXX, XXXX Status : Dispute resolved consumer disagrees Last reported : XX/XX/year> TransUnion Balance : {$0.00} High Balance : {$35000.00} Lates : None reported Status : Account information disputed by consumer Last reported : XX/XX/year> XXXX  Does not report this account at all It is impossible for the same account to simultaneously have : A {$16000.00} past-due balance AND a {$0.00} balance Multiple delinquencies AND zero delinquencies A high balance of {$0.00} AND {$35000.00} Appear on Experian and TransUnion but not appear on XXXX  These contradictions violate the accuracy and uniformity requirement of FCRA 607 ( b ) which states that a consumer reporting agency must assure maximum possible accuracy of all information they report. 

TransUnions Failure Instead of investigating these contradictions, TransUnion simply added a dispute remark ( ACTIVE DISPUTE ) and closed the complaint as non-monetary relief. 

This does not constitute a reinvestigation as required by FCRA 611. 

A dispute remark is not an investigation, and it does not correct clearly inconsistent data. 

TransUnion did not : Reconcile the conflicting balances Reconcile the conflicting payment histories Contact the furnisher to validate the contradictory data Provide any explanation of the inconsistency Correct or delete the inaccurate tradeline Therefore, TransUnion failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ).

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
I am filing this complaint regarding Sofi Banks mishandling of a merchandise-not-received claim and what appears to be retaliatory action taken against my account immediately afterward. 

On XX/XX/year>, I initiated a claim with XXXX for merchandise not received in the amount of {$120.00}. I was explicitly advised that I would receive a provisional credit within XXXX business days. As of today, I have not received any credit, nor have I received any valid explanation for the delay. 

On XX/XX/year>, I was contacted by Sofi and asked to provide additional information to proceed with the claim, which I promptly did. 

However, on Friday, XX/XX/year>, I discovered that my XXXX transfer capabilities had been restricted. When I contacted Sofi customer service for clarification, the representative stated that I had violated terms of use but could not provide any details, examples, or documentation to support this claim. 

This sequence of events is highly concerning. Sofi has : XXXX. Failed to provide the provisional credit within the timeframe they committed to. 
XXXX. Failed to give any explanation for the delay or status of the claim. 
XXXX. Restricted my XXXX access without justification or transparency. 
XXXX. Created the appearance that this restriction was imposed in retaliation for filing a legitimate claim. 

This has caused me financial inconvenience and raised serious concerns about Sofis practices regarding dispute resolution and account handling. 

I respectfully request that the CFPB review this matter, ensure Sofi provides a proper resolution to my claim, restore my XXXX access, and investigate whether Sofi is engaging in unfair or retaliatory practices when customers file disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
There are unknown subscription charges on my newly opened Apple Card. I called on XXXX and spent over an hour on the phone, and no one could confirm what these charges were for, nor could they close my account. I was transferred 5 times.

I have attempted to close my Apple Card account multiple times and have been transferred repeatedly with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
I am writing to dispute the following accounts reported on my credit file by Equifax. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
i got overdrafted XXXX  times from posted transactions and i had none pending. even had a grace period. Regions provided an overdraft grace period, but charged multiple fees despite the account being corrected within the timeframe. Regions refused a back-office timestamp review

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 2025-11-19 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-19 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: GA

Complaint narrative:
I am reporting fraudulent activity involving XXXX or more accounts that are appearing on my credit reports without my knowledge, authorization, or consent. These accounts were opened or reported using my personal identifying information, which has resulted in inaccurate and damaging information being listed under my name. 

I have disputed these items with the credit bureaus and the companies reporting them, but they continue to appear without any valid verification or documentation proving that I am responsible for them. I believe this activity constitutes identity theft and inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA 605B ).

I am requesting that this incident be documented for record purposes so that I may use the police report as official evidence to support the removal of all fraudulent or unverified accounts from my credit 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 2025-11-19 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing 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