vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: FL

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 non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Netspend Corporation
State: AZ

Complaint narrative:
I opened a Netspend account XX/XX/XXXX under Netspend 's promotion : " Receive a {$200.00} credit when you Direct Deposit {$400.00} in 60 days. '' The details of the promotion says " The qualifying incentive credit will be applied to your account within 5 business days after the qualifying direct deposit activity. '' My direct deposit of {$400.00} was deposited XX/XX/XXXX. It has been more than 5 business days since I fulfilled the requirement but I have not received the bonus. 
I contacted Netspend on XX/XX/XXXX and XX/XX/XXXX both by secure messaging and by email. I have uploaded the requested screenshots of the offer. Netspend acknowledges that I have already met all the necessary requirements for this promotion but has not applied the {$200.00} bonus. I am asking them to apply the {$200.00} bonus to my account. 
I have had contact with the following persons : XXXX, Customer Service Agent XXXX, Customer Service Agent XXXX, Customer Service Agent

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 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am an victim of identity theft, I am not sure how my personal Information was breached, I did not open this account, nor did I give anyone consent to open this account. 

ALLY FINANCIAL Account number XXXX Account type Auto Loan Responsibility Individual Date opened XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
As I was shopping at one of the JC penny store the cashier told me if I want to apply for JC Penny credit card and I said no he said it will be a soft pull even when approved I told no iam good he insisted me to apply and then when I did it came as an hard inquiry on my report when I called the bank they said the store should help me to remove that inquiry on my report I need some help because I was giving false information about the credit application.

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 2025-07-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Loew 's Home Repair 's Credit Card company, Synchrony Bank, debited my checking account on the due date, XX/XX/year>, {$110.00} for the payment in full due on my credit card. I had prearranged the payment. Then on XX/XX/year>, they debited my checking account again for the same amount. 

I reached out to them to get the second charge refunded. I had to use a LIVE chat. Synchrony Bank had no phone number to call. The ONLY solution they could provide me was to send me a check for the overdraft that will arrive in the mail in 7 to 15 days.

To have over {$100.00} taken out of one 's checking account erroneously, could mean that other bills don't get paid that week, including the rent! Unpaid rent is leading to explosive eviction rates across the country. 

The fact that a high tech finance company can't figure out how to fix their mistake -- electronically- within a 24 hour period is ludicrous. Their solution is a paper check to be sent in the MAIL???? This policy is unacceptable. 

Please investigate this practice and demand that this company does better by its customers. 

Thank you.

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 2025-07-26 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: IL

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
On XX/XX/year> XXXX XXXX was advertising a {$400.00} statement credit to any patron that opened a XXXX XXXX XXXX. I unfroze my credit and applied for this credit card for the sole purpose to book a roundtrip ticket from XXXX to XXXX. I applied for the card and was accepted. However, I was told I would have to wait to receive the card in the mail to be able to use the card. I call the cc company to try to get my new credit card information, and they told me I would have to wait to get the card. I called XXXX and their agent told me they could not help me and to call the credit card company. I told the agent I ahd already done that and she told me to file a complaint online. I filed my first complaint online. On XX/XX/year> I received my new cc in the mail and immediately booked my trip to XXXX. I once again reached out to XXXX to receive the offer that they advertised and the sole reason I chose to open this credit card. On XX/XX/year> I received communication that I was going to be sent a {$150.00} travel voucher for future use. I tried to respond to the rep who emailed me, only to find out that you can't respond to the company via that channel. So, I filed a second complaint on XX/XX/year>. Today is XX/XX/year> and my complaint has yet to be responded to. A {$150.00} travel voucher is not what was advertised. I did not unfreeze my credit and take a significant reduction in my credit score for that. I did this to receive a {$400.00} statement credit to the credit card I opened. XXXX needs to honor what they advertised. Under Nebraska ( where I reside and opened this credit card from ) Revised Statutes XXXX, false or fraudulent advertising, like misrepresenting goods/services or passing off others goods as your own, is prohibited as a deceptive trade practice. Under XXXX, it's unlawful for any entity to publish untrue, deceptive or misleading ads, particularly in commerce, and offenders face criminal charges, typically ClassIII misdemeanor for violations XXXX. Federal Trade Commission Act ( FTC AcXXXX ), Section XXXX unfair or deceptive acts or practices in or affecting commerce, granting the FTC authority  to investigate and sanction deceptive advertising and marketing tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: NY

Complaint narrative:
I opened a Netspend account on XX/XX/scrub> 2025, through an official promotional offer that promised a {$200.00} bonus for newly acquired accounts that received at least {$400.00} in direct deposits within 60 days. I met all terms : I received a qualifying direct deposit of {$400.00} on XX/XX/year>2025. 
My account was fully verified and active. 
The bonus terms clearly stated the {$200.00} would be credited within 5 business days. 

Despite meeting all eligibility requirements, the {$200.00} bonus was never credited to my account. When I contacted Netspend by phone and through secure messages, I was given vague or incorrect responses, including claims that the promotion did not exist or that I wasnt eligible, even though I have proof that I qualified within the valid date range. 

I provided all required information and requested a review, but Netspend failed to resolve the issue. I am now requesting CFPB assistance to ensure the {$200.00} promotional bonus is issued to my account, as promised. 

I am attaching screenshots showing my deposit, account activation, and correspondence with Netspend. Additionally, here is an archived version of the official promotional offer that I followed when opening the account : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: AZ

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
SOUTHWEST RECOVERY SERVI Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XXXX XXXX Balance {$2600.00} Balance updated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXXRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have my real money deposited to my account tried to pay rent of XXXX atm limit is XXXX so I tried to do a XXXX cash back of XXXX for the remaining needed for rent they said the cash back was a high risk transaction and blocked my account wont let me close my account wont release my funds and Im about to be homeless

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 2025-07-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I am filing a complaint against Columbia Genesis Debt Collection for what I believe are unfair and illegal debt collection practices. 

On XX/XX/scrub> 2025, I received a phone call from Columbia Genesis claiming that I owe a debt of {$8600.00}. This is completely inaccurate. Based on documentation I possess, the actual amount I may owe is much lower, and their claim is not supported by any evidence. I have not received any documentation or written validation of this debt from them.

During the call, the representative threatened me with a garnishment lawsuit and stated that they had " confirmed where I am employed. '' This is a false claim. I am not currently employed, and such a threat appears to be an attempt to intimidate me into paying an unverified debt.

To date, Columbia Genesis has not sent any formal notice, validation letter, or documentation explaining the origin of the {$8600.00} they are demanding. Their conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ), particularly with regard to : Making false or misleading representations ( claiming employment info that isnt true ) Threatening legal action without basis Failing to validate the debt upon request Attempting to collect an amount not supported by proper documentation I am requesting a full investigation into Columbia Genesiss practices. They should be required to : Provide proper validation of the debt Cease all collection efforts until verification is provided Be held accountable for any false or threatening behavior Please also ensure that no negative reporting is made to credit bureaus in relation to this disputed and unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I have requested from all XXXX credit reporting agencies to remove this charge off account from my credit report and every time I dispute this creditor the information comes back as verified, but each credit reporting agencies can not provide me with a validation as to how this account was verified. I have reached out to Citi Card on several occasions requesting for proof of this account and each time they said you will receive a call from this department or that department and Im yet to get an email or a letter or phone call. On my credit report theres an address reporting on my credit report that I moved into on XX/XX/XXXX that Citi Card claims thats is the address I used to open this account in XXXX of XXXX. I moved to XXXX  XX/XX/XXXX of XXXX and the address that I was living at is not the address that Citi Card claims is whats on my application and I have my lease to prove it I have attached a copy of my my lease with the address and I have also attached my welcome letter XXXX  years later when I moved to the address Citi Card claims I used to open and account back in XXXX of 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I noticed a unauthorized account that dont belong and needs to be blocked immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

experian equifax transunion Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized credit inquiries on my credit report.I recently obtained a copy of my credit report and noticed the following inquiries that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have not applied for credit with these companies, nor have I authorized them to access my credit report.These inquiries are inaccurate and negatively impacting my credit score.

Therefore, I request that you immediately investigate these unauthorized inquiries and remove them from my credit report.I have enclosed a copy of my credit report highlighting these inquiries and a copy of my [ Driver 's License/State ID ] for verification purposes. 
I expect a written response detailing the results of your investigation and confirmation that these inquiries have been removed within 30 days, as per the Fair Credit Reporting Act. 
Sincerely, 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 2025-07-26 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: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
Please remove this inaccurate information from my credit report. In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my credit report. It is my understanding that you will verify these items with the relevant creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I complained about this agency and I believe that they are retaliating against me because they are reporting old outdated and fraudulent information about me and they are working with the merchant to keep me down by saying I have good or sometime great chance at obtaining a loan or credit card when I really dont but I try and I never get approvedso what happens I get another inquiry on my report as well as they knock my score down XXXX points on every one and I know Rico is somewhere in that act.These inaccurate accounts and unauthorized inquiries have caused significant harm to my credit scores.

Closed accounts continue to appear with balances, which inflates my utilization. 
New, unauthorized hard inquiries are further damaging my creditworthiness.

Requested Resolution : 1. Immediate deletion of these unauthorized accounts ( XXXX and XXXX ) from my credit reports. 
2. Immediate removal of all unauthorized inquiries made without my consent.

3. Written confirmation from TransUnion, Equifax, and Experian that my reports have been corrected.

4. A full investigation into why these items persist despite prior complaints.thats why I REALLY BELIEVE that they are working against me Discriminating and belittling me and just not caring what I do to try to correct my report if you seen that I been complaining for 2 years about the same issues that never removed but always say verified or updated when they are closed or discharged knowingly keeping them on my report cause its earning the some form of securities, and other monetary gain while I suffer in humiliating disgrace witch is unfair unequal unconstitutional and undeserving

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