vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
Date of the transaction : XX/XX/XXXX XX/XX/XXXX Amount paid : XXXX XXXX XXXX ( XXXX, XXXX  ) Subtotal : {$1200.00} Ordered XX/XX/XXXX Discount : - {$1100.00} ( via XXXX XXXXXXXX XXXX XXXX XXXX Tax : {$100.00} Total paid upfront : {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX ) Subtotal : {$490.00} Ordered XXXX Discount : - {$100.00} promotional rebate Tax : {$34.00} Shipping : {$13.00} Total paid : {$440.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} What the business promised : A Mothers Day promotion, advertised on the XXXX XXXX homepage, XXXX XXXX XXXX XXXX XXXX  on a XXXX billing plan through XXXXXXXX XXXX through monthly credit, XXXX a free XXXX XXXX XXXX through a {$100.00} XXXX rebate and monthly service credits. The offer required transferring to XXXX XXXX and activating the device. A promotional code for the watch rebate was to be sent within XXXX hours of phone purchase. 

What happened : I purchased the phone and XXXX with the intent to take advantage of the promotional offer, which required transferring service from XXXX to XXXX XXXX XXXX I never received the watch promo code automatically. After contacting support, I was issued code XXXX on XX/XX/XXXX. 

I gave the phone and watch as a XXXX XXXX gift to my wife, who then activated the phone under her own XXXX XXXX account by transferring her service from XXXX. I was later informed by XXXX XXXX that the promotion could not be honored because the activation did not occur under my account. 

After many calls, a supervisor named XXXX ( XX/XX/XXXX ) told me I could fix this by : - Creating a new number under my XXXX XXXX account using the same device. 

- Setting up a group plan including my wife. 

- Requesting a XXXX adjustment. 

I followed this exact process and incurred additional costs by activating a new XXXXXXXX XXXX But when I contacted support again, I was told this was not valid and there was no record of the prior guidance. Representatives insisted nothing could be done. I have since made over XXXX hours of calls and been given multiple case IDs ( XXXX XXXX XXXXXXXX ), but never received the follow-ups or emails that were promised. 

What the dispute is about : I was misled by multiple representatives and made purchasing and service decisions based on their direction. I now face full costs for a phone, a watch, and a XXXXXXXX XXXX line I never intended to activate, all because I followed incorrect instructions from the company. 

What the business has done to resolve it : They have told me there is they have exhausted all options. Theyve placed the burden on me to provide screenshots of an ad that was publicly available on the XXXX XXXX homepage at the time of purchase.

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 2025-05-29 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-29 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: MI

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According XXXX U.S. CXXXX  XXXX - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. XXXX U.S. CXXXX XXXXe - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX U.S. CXXXX XXXXi ( 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 information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) 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. ''

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-29 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: OR

Complaint narrative:
Following a serious data breach, fraudulent accounts have been added to my credit report.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their removal and blocking within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I disputed a closed credit card account on my Experian report that had outdated late payment information. After the dispute, Experian updated the account to reflect more severe late payments ( from 60 days late to 90+ days late ) even though the account is from several years ago and has long been closed. 

This change wasnt a dramatic drop to my score, but it was a negative update that may impact future credit decisions. Ive tried multiple times to reach Experian to speak to a human about this, but the automated system refuses to transfer me unless I meet narrow requirements. This leaves me with no way to ask questions or request a goodwill adjustment. 

Im asking that Experian provide access to a human representative and re-review the disputed account for fairness and 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 2025-05-29 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: MI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I am disputing an alleged debt being reported by CCS Collections on behalf of XXXX XXXX XXXX XXXX in the amount of {$360.00}, under account number ending in XXXX. I have no knowledge of this debt, have never received a valid bill or insurance statement showing this amount due, and have not been provided any legally sufficient documentation substantiating the validity or accuracy of this claim. 

This account appears to be reported without proper verification and without prior notice to me, which violates both the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXXg ( a ), and the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. 

Pursuant to FDCPA XXXXg ( b ), I am exercising my right to request full validation of this debt. I am requesting : A copy of the original contract or policy from XXXX XXXX showing I agreed to this balance ; A full itemized account history with billing statements or insurance claim details ; Proof of assignment or legal authority CCS has to collect this debt ; A statement verifying the amount claimed is accurate and not inflated by unauthorized fees ; Proof CCS is properly licensed to collect debts in my state. 

Reporting a disputed debt without sufficient validation may constitute a violation of FCRA XXXXe ( b ) ( failure to ensure maximum accuracy ) and XXXXs-2 ( b ) ( failure to investigate after notice of dispute ). These violations are actionable under FCRA XXXXn ( willful noncompliance ) and XXXXo ( negligent noncompliance ). Continued collection or credit reporting without proper validation also violates FDCPA XXXXe ( 8 ) and XXXXd. 

This account is causing material harm to my credit and financial reputation. If CCS Collections and XXXX XXXX can not provide full and complete documentation to validate this debt, I am demanding its immediate deletion from all consumer credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Braviant Holdings, LLC
State: MI

Complaint narrative:
I received a settlement offer from XXXX XXXX for {$980.00} which I paid in full. I received an email confirming I paid their settlement in full. I called the next morning to confirm that this account is now settled and I was informed that the loan is being sold and I will not get back my payment. How can they sell a debt I paid the full settlement amount on? They are essentially stealing my money and selling the debt to someone else who I will have to pay. Seems illegal to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: VA

Complaint narrative:
I revied a warrant in debt on this with zero prior communication. I sent a letter to the court and I have to go to court. I have nothing on this debt to even bee able to look at

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-05-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am being repeatedly charged {$60.00} per month by Citibank on a credit card that was XXXX in my XXXX  almost a year ago. The account was included in my XXXX, and I received a discharge. Despite that, Citibank has continued to charge me. 

I have spent hours on the phone with their customer service. At one point, I was refunded and told the account was closed. I believed it was resolved, but the charges have started again. This has happened multiple times and feels like it will never end. 

These recurring charges violate the XXXX  discharge order and have caused me significant stress and time. I am requesting that Citibank immediately cease all further charges, permanently close the account, refund any post-discharge charges, and confirm this in writing.

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 2025-05-29 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-05-29 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: NJ

Complaint narrative:
I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a quarantee that my consumer rights will be respected moving forward.

Company response to consumer: Closed with non-monetary relief