vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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:
This complaint serves as my formal follow-up dispute concerning the continued and inaccurate reporting of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX which is still being shown as XXXX XXXX despite prior disputes and the lack of verifiable documentation. I am requesting permanent deletion, not correction, of this entry from my credit file. 
This account is being reported as a charge-off, yet no IRS Form 1099-C has been issued to show that the debt, which exceeds {$600.00}, was canceled or forgiven. Without such a document, there is no legal basis to report the account as charged off. The absence of this verification renders the information inaccurate and misleading under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires that consumer reporting agencies ensure the maximum possible accuracy of any data furnished about a consumer. 
Because the furnisher has failed to provide proof of a legitimate charge-off or valid debt cancellation, the account remains unverified and unreliable. Maintaining an unverified account violates the core obligations of accuracy and fairness established by the Fair Credit Reporting Act. I have acted in good faith by disputing this information multiple times, yet the bureaus continue to publish data that can not be proven to meet legal standards of accuracy.

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 2025-10-23 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: NJ

Complaint narrative:
I have been a victim of identity theft. Someone has fraudulently used my personal information without my authorization to open multiple accounts that do not belong to me. These accounts are causing serious harm to my credit profile and financial stability. 
I urgently request that the following accounts be blocked and permanently removed from my credit report, as they were opened and used without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 This situation has caused me significant distress and inconvenience. I respectfully request that the necessary actions be taken immediately to investigate, block, and remove all fraudulent accounts and related information from my record.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still appearing on my credit reports this morning. Even after refreshing my browser, nothing changed, and this issue remains unresolved. I urgently request that the documents I sent be reviewed carefully so I can stop stressing about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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 a victim of human XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 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: TX

Complaint narrative:
I am still seeing inaccurate accounts on my credit report and they have not been taken off. I am begging for the documents I attached to be examined carefully so I can stop living in fear of this continuing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Follow-Up and Escalation CFPB Case No. XXXX To Whom It May Concern, I am submitting this escalation in response to American Expresss repeated denials regarding my cancelled XXXX XXXX  account. 

On XX/XX/year>, American Express emailed me that my card had been cancelled and instructed me to redeem my Membership Rewards points. Acting in good faith, I attempted to do so immediately through the Amex app and by phone. Instead, I was repeatedly blocked, redirected to debt collection, and given conflicting information. 

In its XX/XX/XXXX and XX/XX/year> letters to the CFPB, American Express now claims that all points are forfeited immediately upon company-initiated cancellation and that only XXXX XXXX cardmembers are eligible to redeem within XXXX  days. This position directly contradicts the XX/XX/XXXX closure email that told me to redeem my points. In both letters, Amex admits its representatives gave me incorrect information about redemption eligibility. 

By first instructing me to redeem, then preventing redemption, and finally denying any redemption window existed, Amex engaged in conduct that is unfair and deceptive under UDAAP standards. I suffered a measurable financial lossthe forfeiture of earned Membership Rewards pointsbecause I relied on Amexs written and verbal guidance in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
On XX/XX/year>, I paid off a debt originally owed to Affirm, which had been sent to a collections agency, XXXX XXXX XXXX. The collection agency has since confirmed payment and provided me with a Paid in Full letter verifying that the balance has been satisfied. 

Despite this, my Affirm account still shows the debt as due or unpaid. I have contacted Affirm multiple times to resolve this issue, but I have not received any effective assistance or confirmation that the account has been updated.

This ongoing inaccuracy is concerning and may negatively affect my financial standing and credit profile. I have attached the Paid in Full letter and proof of payment to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NJ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to TransUnion on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), TransUnion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. TransUnion has therefore failed to conduct a reasonable reinvestigation as required by law. 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 2025-10-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a membership with XXXX XXXX, which I canceled by phone in XXXX. After the cancellation, I moved to another city and completely stopped using their services. 
Despite this, XXXX XXXX continued to charge my Bank of America account each month throughout XXXX and XXXX, under Blink XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
When I noticed these ongoing charges, I contacted both XXXX XXXX and Bank of America. I explained that my membership was canceled long ago and requested a full refund. Bank of America opened a dispute ( Claim # XXXX ) for {$450.00}. The bank refunded only {$91.00} but allowed the remaining unauthorized charges ( {$360.00} ) to stay. 
Later, my debit card was replaced, and I never gave XXXX XXXX my new card information. However, they continued to charge me automatically, which means Bank of America shared my updated card data with XXXX XXXX without my consent, through the automatic billing updater system. 
I explicitly asked Bank of America to block XXXX XXXX  and to disable the Visa Automatic Billing Updater service, but the unauthorized charges continued. This situation has caused significant financial loss, frustration, and breach of privacy. 
I am requesting that : Bank of America refund all charges made after my cancellation in XXXX, Bank of America stop sharing any updated card information with merchants without explicit customer consent, and XXXX XXXX confirm that my membership is permanently canceled and remove all saved payment information. 
These charges are unauthorized and represent a serious violation of my financial privacy and consumer rights.

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 2025-10-23 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 am filing this complaint against [ Experian XXXX Equifax XXXX TransUnion ] regarding their continued reporting of XXXX tradelines furnished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts ). 

I previously filed CFPB Complaint ID XXXX against XXXX. Their response was legally insufficient and failed to validate the debts under FCRA and FDCPA. They provided only generic cardholder agreements and billing statements, without : Original signed contracts bearing my signature, Chain-of-title or assignment documents proving legal ownership at the time of reporting, or Any evidence demonstrating how they verified the accounts with the CRAs. 

XXXX also admitted that these accounts were sold to XXXX XXXX XXXX XXXX XXXX ). Once sold, XXXX lost the legal ability to verify ownership or accuracy. 

Despite this, Transunion continues to report these tradelines, in violation of FCRA 611 ( a ) and 623. Bureaus must delete or correct unverifiable information

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I opened a Citibank checking account in late XX/XX/year> at the XXXX XXXX branch in XXXX XXXX while temporarily residing there. At the time of account opening, I currently reside in XXXX XXXX  where there are no physical Citibank branches, and I rely on online access and my debit card to manage my banking needs. 

The account came with a promotional offer of {$350.00}, provided that I received a minimum of {$3000.00} via XXXX transfers within the first XXXX days. I fulfilled this requirement in full, and Citibank representatives confirmed that the {$350.00} would be credited after XXXX daysby the end of XX/XX/year>. 

However, in early XXXX, I noticed that my savings account with only {$10.00} was flagged for closure. I confirmed via phone that my checking account would remain open if I maintained a balance. In good faith, I transferred {$250.00} via XXXX from my XXXX account to meet their minimum balance requirement and continued to use the debit card actively ( including a recent ATM and checks withdrawal ). 

Despite this, Citibank suddenly closed my checking account without notice, blocked my debit card, and locked my online access. I now have {$250.00} frozen in the account and no access to retrieve the funds. There has been no official closure notice or explanation from Citibank. 

Attempts to contact customer service have been unsuccessful. They are unwilling to provide a valid contact email or any confirmation on the release of my remaining balance or the {$350.00} promotional bonus I rightfully earned. 

I believe Citibanks actions are : Unfair and deceptive, as they misrepresented the status of my account and promotional terms ; Potentially discriminatory or retaliatory, as they suddenly reversed their decision after I submitted a hardship letter and filed a consumer complaint earlier ; In violation of basic consumer protections, by not issuing timely closure notifications or explaining the cause ; Withholding earned and deposited funds without process or due 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 monetary relief
Consumer complaint received 2025-10-23 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: MD

Complaint narrative:
XXXXGood day,XXXXI am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 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: NY

Complaint narrative:
Most of my credit was opened by someone else and been trying to fix my credit and I get no results.

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 2025-10-23 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 submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several account. Despite my prior request, the following account still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible.

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Subject : Discrepancy in ATM Deposit Request for Expedited Resolution On XX/XX/year> at approximately XXXX XXXX, I made an ATM deposit at the Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX XXXX The deposit totaled {$220.00} ( XXXX {$50.00} bills and XXXX {$20.00} bills ). The ATM, however, only credited {$170.00} ( XXXX {$50.00} bill and XXXX {$20.00} bills ). 

I immediately contacted Navy Federal and was informed an investigation would be initiated, with an estimated resolution time of XXXX  days. I am requesting clarification on why such a timeframe is required to reconcile a discrepancy where the machine should show an excess {$50.00}. 

This amount is material to me, and I rely on accurate and timely posting of deposits. I respectfully request that this investigation be expedited and the missing {$50.00} be credited upon confirmation. 

Thank you for your prompt attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Date : XX/XX/year> Subject : Formal Request to Remove Unauthorized and Inaccurate Information from My Credit Report To Whom It May Concern, I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) to formally dispute and request the immediate removal of all inaccurate, unauthorized, or unverifiable accounts and inquiries from my credit file. 
Upon reviewing my credit report, I noticed several hard inquiries and/or accounts that I did not authorize. These constitute a violation of FCRA 604 ( a ) ( 3 ) ( 15 U.S.C. 1681b ), which strictly prohibits a credit reporting agency from releasing my personal information to a third party without my written consent or a permissible purpose.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of these disputed items. Any information that can not be verified as accurate and authorized by me must be deleted from my file within 30 days of receiving this letter. 
If my personal information has been provided to any unauthorized third parties, it also violates FCRA 604 ( f ) and CFPB Regulation V, which prohibits the furnishing of consumer report data to entities lacking a permissible purpose.

Please send me written confirmation once your investigation is complete, including documentation showing the results and any actions taken.

Thank you for your prompt attention to this matter. I expect a full response within the 30-day investigation period mandated by the FCRA. 
Sincerely, 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 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Greyhound Capital Group LLC
State: MO

Complaint narrative:
I asked for a refund due to a friend XXXX XXXX XXXX  and not being able to get to the bus station to take the bus at the time scheduled. I was told due to the policy, that I would receive a voucher for the ticket price instead of a full refund as no one would be taking a trip in the near future due to this accident. I was told that I could only receive a voucher. I don't think this is a fair solution being that I was purchasing the ticket for someone and not the one taking the trip myself. I would appreciate if this company would consider their solutions based on a real scenario rather than a baseline action of this is the outcome for all customers.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-23 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: MD

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions.XXXX XXXX XXXX XXXX Balance : {$56000.00} XXXX XXXX XXXX Balance : {$900.00}

Company response to consumer: Closed with non-monetary relief