vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/year> I ordered perfume sprays from a company XXXX in the amount of {$190.00}. I had problems with the company from the start. They did not ship out my order. I complained. They said they would reship because they claimed the order was lost. Then, when I finally received the package, it was missing items, items were leaked all over, and what was left was not as described on their website. I contacted them again. They said they would give me a refund for the missing items and a partial refund for the damage, but would not accept returns. I gave them a screenshot of their website policy. It states returns within XXXX  days. They went and changed the info on their website and never gave me a refund as promised. I filed with Discover for a fraudulent charge. On XX/XX/year> Discover sided with the company and said the reason why was that I did not send back the items and they need to go with the company policy. Company policy?? I told Discover HOW CAN I DO THAT IF THE COMPANY WILL NOT ACCEPT RETURNS!? Discover said that the company said you did not send the items back, so there is nothing they can do. NOTHING THEY CAN DO?? I said what about the items I did not receive and were damaged?? The company stole my money, and Discover, instead of protecting me as the client, went against me and participated!! Even though I sent all the email documentation of what happened. In XXXX years of having XXXX cards, DISCOVER IS THE WORST COMPANY EVER!! The representative had no common sense and would not allow me to talk to a XXXX. Her name was XXXX. She would not give me her last name. I want my money back, Discover, and I wish you get the XXXX you deserve for ripping off hard-working businesses that use your XXXX card. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-14 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$750.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$360.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NOT RECOGNIZED XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX TransUnion, XXXX XXXX  Mortgage Reporters XX/XX/XXXX Experian , XXXX - XX/XX/XXXX Equifax, XXXXXXXX XXXX All Banks XX/XX/XXXX Experian 15 U.S.C, 1681section 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 an 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 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 2025-06-14 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$750.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$360.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NOT RECOGNIZED XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX TransUnion, XXXX XXXX  Mortgage Reporters XX/XX/XXXX Experian , XXXX - XX/XX/XXXX Equifax, XXXXXXXX XXXX All Banks XX/XX/XXXX Experian 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
No. I requested XXXX  provide me with a written hold notice detailing the reason for the hold, total amount held, deposit date, account number, and expected release date as required under RegulationCC. As of today, I have still not received any such notice.

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 2025-06-14 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: 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX Buyer Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Collection Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Date openedXXXXXXXX XXXX XXXX XXXXXXXX XXXX Collection Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Collection Date opened : XX/XX/XXXXXXXX XXXX XXXX Unsecured Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Charge Card Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Credit card Date XXXX XXXX XXXX Credit card Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Credit card Date opened : XX/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 non-monetary relief
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX Buyer Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Collection Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Date openedXXXXXXXX XXXX XXXX XXXXXXXX XXXX Collection Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Collection Date opened : XX/XX/XXXXXXXX XXXX XXXX Unsecured Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Charge Card Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Credit card Date XXXX XXXX XXXX Credit card Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Credit card Date opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF 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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: LEXISNEXIS
State: OR

Complaint narrative:
I have an adverse action from XXXX insurance. Doubled my premium from falsely reported information. XXXXXXXX XXXX states it was reported correctly in my favor to XXXX. 
Requested my consumer report from XXXX XXXX ( 5 separate times ) to prove to XXXX the correct information. 
I have not received my consumer report 5 separate times. Now my policy is due for renewal and now I won't be able to recieve a refund for my current 1yr policy they over charged me for. And my renewal will be charged double for same false report. Which they know is incorrect. But stated that I had burden to prove they were wrong. This seems to be some collusion between the two to delay sending my report to benefit the insurance co. I wish to file a complaint for both parties as I have tried to correct this for a year now. It is a disgrace that these companies can defraud the consumers in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
Experian is refusing to remove fraudulent accounts from my credit report and are asking me to provide them with irrelevant information that is not lawfully required to remove the fraudulent accounts from my credit report, I've provided them with proof of my identity as well as an identity theft report which lawfully is sufficient to remove such accounts. I'm so tired of these pirates negating their responsibilities to consumers, destroying consumers lives and credibility as credit worthy consumers. They postpone and use fraud and stalling tactics in order to keep fraudulent/negative information on credit reports just to earn a dollar which is sickening and immoral. Fraudulently stealing consumers identity and personal information without legal consequences being rendered. I need the accounts in my previous complaint removed 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 explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
* '' I dispute the inaccurate XXXX late payment on XXXX XXXX Bank account XXXX XXXX XXXXXXXX XXXX XXXX which were verified without a prior XXXX late ( a mathematical impossibility ). Per FCRA XXXX ( a ) ( XXXX ), I demand : XXXX. * * A detailed description * * of how you verified XXXX XXXX Banks disputed accounts ( XXXX XXXX XXXX XXXX XXXX XXXX  ). 
XXXX. * * Proof * * that a XXXX late payment could exist * * without a prior XXXX late * *. My credit report shows a XXXX late payment in XXXX 2022, but no prior XXXX late was reported. 
This is mathematically and logically impossible.

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 2025-06-14 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: AR

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF 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 non-monetary relief
Consumer complaint received 2025-06-14 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: AR

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Exto Inc.
State: OH

Complaint narrative:
I applied for an Atlas XXXX ( XXXX XXXX  ). I went through the process and once I completed it, I wasn't pleased with the results. If this was going to be a secured card, then it should have been explained in the advertisement. I attempted to cancel and was told I needed to speak.to someone in order to do so. I have an issue with this and I wanted to make your organization aware of their practice. I'm only allowed one attachment to send I have a bit more to show.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I filed for XXXX XXXX XXXX in XX/XX/year> and received my discharge on XX/XX/year>. In XX/XX/year>, XXXX XXXX issued a refund of {$1000.00} related to a canceled flight. The refund was credited to my American Express account. However, American Express only sent me a check for {$230.00} and retained the remaining amount without authorization. I requested the full refund amount from American Express, as the retention appears to violate bankruptcy protections and the automatic stay. American Expresss team acknowledged the refund but failed to send the full amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF 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 non-monetary relief
Consumer complaint received 2025-06-14 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 RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation