vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within XXXX business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my credit score, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$38000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments : XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Monday XX/XX/year> - I was travelling through the XXXX airport - flying through Gate XXXX - in the section of Terminal that is XXXX XXXX XXXX through XXXX I used a Bank of America ATM located between the restrooms, and across from the restaurants to withdraw XXXX USD in cash. When the transaction processed the machine screen told me suddenly " there is a problem with this machine '' and that the transaction would be reversed immediately. No cash was dispensed. The machine then showed an error screen. I walked away and retrieved my husband. 

When we returned to the machine it had a banner across the top of the screen that read " unable to dispense XXXX dollar bills. '' I realized that my trasaction had been cancelled because I had requested XXXX in XXXX 's. 

I then processed a new transaction for the same amount ( XXXX USD ) and requested XXXX dollar bills and it was completed. The cash was dispensed. 

However .. both transactions came out of my account in USD and the first one was not reversed. The screen had said that it would be reversed IMMEDIATELY. Yet I have just viewed my online banking XXXX days later and it was never reversed. 

XXXX USD total was taken from my account and only XXXX in cash was ever dispensed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year>, I called Bank of America to open up a checking account. Towards the end of the call, the agent asked if I was interested in a credit card or if I was looking to purchase a house or automobile. He stated that he still was supposed to go over the items in addition to opening my account. I stated no. I then proceeded to ask him how would I go about increasing my credit limit on my existing credit card. He said it was simple and referred me to go onto the mobile app to complete that request. He also mentioned that a soft inquiry would be done to check my credit score. I thanked him and hung up the phone. Approximately XXXX minutes later, I received an email stating that I was receiving a code I had requested. It was followed by another email stating that I was approved for a Bank of America Credit Card. I proceeded to call the institution and inquire about the email. The young lady I spoke with informed me that there was a credit card opened for the amount of {$9700.00}. At this time, the credit bureaus were emailing me that an account had been open and to verifying that it was me. The agent and I discussed if the new card could be closed or if my old account could be closed. I then realized that it would be a significant hit to my credit score if I were to close the new card. The agent assured me that I could closed either XXXX at any time and to give her a call if I decided to do so. As of now, I have left the accounts alone, because I didn't want anything else impacting my credit score. I am filing this compliant in an effort to warn others of my experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account listed on my FTC report is fraudulent and doesn't belong to me. I do not recognize this account, I demand this be deleted from my credit report 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 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings
State: IN

Complaint narrative:
I found a dispute XX/XX/XXXX and before I was notified or this dispute was closed. The company reached out to me, which is a violation. In addition to this I do not owe this debt. I have attached forms to show that I cancel this account

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within XXXX  days of receiving the dispute. 

It has been over XXXX  days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Issue : Merchant fraud / deceptive practices/ misrepresentation Credit card issuer : Apple Card ( Goldman Sachs Bank USA ) Merchant : XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$360.00} Date of charge : XX/XX/year> Complaint Description I am filing this complaint because Goldman Sachs ( Apple Card ) denied my dispute twice even though I provided clear evidence that the merchant I paid is a fraudulent website impersonating the official XXXX XXXX ticketing site. 

On XX/XX/year>, I was charged {$360.00} by a merchant listed as XXXX XXXX. 
The purchase was made through the website XXXX which presents itself as the official ticketing service for the XXXX XXXX. The domain uses the word XXXX and copies the appearance of the real museum website, misleading foreign tourists into believing it is authentic. 

After the purchase, I discovered from the official XXXX website ( XXXX XXXX XXXX ) that the real ticket price is XXXX per person, while the scam website charged me the equivalent of over XXXX per person. I also confirmed with friends living in XXXX that the site I used is not an official museum site and is known to scam tourists through price gouging and impersonation. 

I provided Apple Card with multiple pieces of evidence, including : A receipt from the scam site showing the domain XXXX My Apple Card charge showing the merchant name XXXX * XXXX Screenshots of the real XXXX ticket prices ( XXXX ) Proof of the Palace of XXXX official price ( XXXX per ticket ) Screenshots of my conversation with local friends who confirmed it is not the real site Evidence of the enormous price discrepancy and the deceptive presentation Screenshots showing when I realized the website was fraudulent Despite the clear fraud and impersonation, Apple Cards dispute team incorrectly categorized this case as services received because the merchant delivered some type of ticket. This is not the correct classification. This is not a refund issue it is a merchant misrepresentation and fraudulent impersonation case. The merchant is using the XXXX name to deceive customers.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because several debt-collection accounts are being reported on my credit report that resulted from identity theft. I did not authorize or open these accounts, nor did I give consent for any of the alleged debts. The collectors continue to report and attempt to collect despite my written disputes and notice of identity theft. 
The accounts are : XXXX ( {$15000.00} ) ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX ) ( XX/XX/XXXX ). Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, a consumer reporting agency must block information that results from identity theft within XXXX business days once provided with proper documentation. I have supplied such documentation, yet these accounts remain. In addition, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), a debt collector must cease all collection activityincluding credit reportinguntil verification of the debt is provided. The collectors in question have failed to provide verification or proof of my liability. Federal courts have confirmed that furnishers and bureaus may be held liable for failing to conduct reasonable investigations or for reporting inaccurate information ( XXXX  v. XXXX XXXX XXXX, 115 F.3d 220 ( 3d Cir. XXXX ) ; XXXX XXXX XXXX XXXX XXXX, 257 F.3d 409 ( 4th Cir. XXXX ) ). I request that the CFPB investigate these violations and require the companies involved to : Provide complete verification of each alleged debt, or permanently delete all fraudulent collection accounts from my credit report. These inaccurate entries are the direct result of identity theft and continued reporting causes significant and ongoing harm to my credit reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KY

Complaint narrative:
In XXXX I received a direct deposit from my employment of XXXX 's XXXX XXXX XXXX XXXX into my checking account for chime at that time I had my pay advance to set up to where I can borrow money if I needed it until I got paid again so the remaining money that I owed was taken out of my direct deposit from my employer and they said that I had a balance of {$12.00} come XXXX of XXXX  I received {$86.00} for my friend into my checking account chime my pay advance also took that and said that I owed a remaining amounts of XXXX dollars then come XX/XX/XXXX of XXXX  I got a notification from chime saying that they had reversed my pay advance into my checking account because they had accidentally taken more money than they were supposed to back in XXXX but they didn't give me {$67.00} back, so then come XXXX the XXXX today I received {$29.00} in my checking account my pay advance from time took that money as well when they said in XX/XX/XXXX that my account was paid in full and they were reimbursing me for {$67.00} that they had taken by mistake in XXXX but they never reimburse me {$67.00} they took {$86.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion regarding the inaccurate reporting of a collection account that does not belong to me. After reviewing my credit file, I identified a collection that is being reported in error and causing significant harm to my credit score. 

Collection Being Disputed Collection Agency : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount Reported : {$2000.00} This account is not mine, and I have never opened, authorized, or been associated with any account from XXXX. Its continued reporting is inaccurate, damaging, and unlawful. 

Violations of the FCRA TransUnion is in violation of the Fair Credit Reporting Act, including : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation after a dispute.

15 U.S.C. 1681i ( a ) ( 5 ) : Obligation to delete information that can not be verified. 

XXXX v. TransUnion, 115 F.3d 220 ( 3rd Cir. XXXX ) : Bureau must perform meaningfulnot superficialinvestigations. 

TransUnion has continued reporting this account without verifying ownership or validating the debt, resulting in a clear violation of my consumer rights. 

Requested Resolution ( Fair Solution ) Immediate deletion of the XXXX collection account from my TransUnion credit report. 

Written confirmation once the deletion is completed. 

A full reinvestigation compliant with FCRA standards. 

An updated copy of my credit report reflecting the correction. 

This account does not belong to me and must be removed immediately. 

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am submitting this dispute due to inaccurate and incomplete reporting of my credit information by the credit bureaus. Below are the accounts in dispute, which I request to be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 


Inquiries XXXX XXXX, XX/XX/year> Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account listed on my FTC report are fraudulent and do not belong to me. I did not recognize or authorize this account. I demand you have this removed from my credit report 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
In XXXX, I purchased a vehicle and financed it through Toyota Motor Credit Corporation. The total amount financed was approximately {$55000.00} at XXXX  % interest for a XXXX term. Within the allowed cancellation window, I canceled {$8200.00} in financed add-on products ( service plans/warranty ). The refund was processed, and the principal balance was lowered to approximately {$47000.00}. 
However, Toyota did not re-amortize the loan to reflect the reduced principal amount. My monthly payment remains about {$1000.00}, which is consistent with the original financed amount. Based on the corrected balance, the payment should be closer to approximately {$870.00} if re-amortized over the remaining term. 
I contacted Toyota for clarification. I was told that instead of lowering my monthly payment, the loan will simply be paid off sooner ( around XXXX  months instead of XXXX ) if I continue paying the same amount. While this explains the shorter loan payoff timeline, it does not address whether interest is being calculated using the reduced principal balance or whether the loan is still amortizing based on the original financed amount. Shortening the payoff period is not the same as recalculating the finance charges based on the correct principal. 
I am requesting confirmation and correction that : Interest is being calculated based on the reduced principal amount rather than the original loan amount. 
The loan is properly re-amortized after the financed product cancellation. 
A revised amortization schedule is issued showing accurate allocation of principal and interest. 
Any interest that was calculated using the original financed amount after the refund date is corrected and credited. 
This issue concerns the proper recalculation and disclosure of finance charges following a financed-product cancellation refund.

Company response to consumer: Closed with explanation