vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I booked a flight three times through XXXX using my Apple Credit Card. The reason I booked three times it that the first two flights were each canceled for a later flight. The flights were all the same amount, {$440.00}. XXXX refunded me for the first two. So basically paid {$440.00} x XXXX, and XXXX issues {$440.00} x XXXX to be delivered through my Apple Pay. However, Apple Credit Card saw the refund amounts as the same an only issued me ONE refund of {$440.00} and essentially kept the other payment of {$440.00}. I brought this to their attention multiple times that there should be two refund payments, and reached out to XXXX who told me to message Apple. Apple initially refunded the second {$440.00}, but today they reversed that decision and again charged me {$440.00} ( so now charged twice ). I am seeking my {$440.00} refund from them. In summary there were three payments all for {$440.00}, XXXX refunded two, but Apple Credit Card only refunded one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this complaint against CBNA XXXX Citibank , N.A . ( XXXX  XXXX XXXX ) for reporting a late payment on my account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXor XX/XX/XXXX. 

According to the Credit CARD Act of 2009, specifically 15 U.S. Code 1666b, creditors must provide billing statements at least 21 days before the payment due date. I requested proof that this statement was sent on time, but CBNA failed to provide any documentation. 

Because the reported late payment was not legally justified under this requirement, I respectfully request that CBNA be required to validate or remove this late payment from my credit reports. I have already submitted a dispute directly with CBNA, but they have not resolved this issue.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-05-19 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: OK

Complaint narrative:
I am writing to dispute inaccurate information on my Equifax credit report ( Report Date : XX/XX/XXXX ) regarding the following account : Creditor Name : XXXX XXXX Account Number : Ending in XXXX Reported Status : Closed Specific Errors Identified : 1. Missing Financial Data Fields forBalance, Credit Limit, High Credit, andAvailable Creditare blank ( " '' ). A closed line of credit should reflect final amounts.

2. Incorrect Status Flags The account is marked '' INCLUDED_IN_XXXX XXXX ( misspelled ) and '' TRANSFER_OR_SOLD '' without supporting details. This is inaccurate because : [ ] The account was never sold/transferred ( no '' Sold To '' or '' Purchased From '' details provided ).

3. Invalid Delinquency Date The '' Date of First Delinquency '' ( XX/XX/XXXX ) is incorrect. My records show no late payments on this date 4. Incomplete Account History Original Creditor Name, Owner, and Loan Typefields are blank, making verification impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

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 2025-05-19 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: GA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In XXXX XXXX, I suffered an unexpectedXXXX XXXX medical emergency that required immediate hospitalization and XXXX. During my hospitalization and subsequent recovery, I was physically unable to attend hearings, provide documentation, or communicate with the Trustee, which resulted in the dismissal of the past bankruptcy case. The XXXX was notified of my condition through filings on. I have now regained sufficient health to proceed and have filed the present bankruptcy case in good faith to address my debts and protect my home. 

Since learning of my medical condition, Deutsche Trustee has, in my view, treated me less favorably than similarly situated borrowers. Specific conduct includes : Refusal to accept timely lossmitigation packets submitted in XXXX ; Imposing additional documentation demands not required of other borrowers ; Threatening acceleration while my prior bankruptcys automatic stay was still in effect. 

Believing this conduct violates the Equal Credit Opportunity Act ( 15U.S.C.1691 ), the Fair Housing Act ( 42U.S.C.3604 ), and applicable HUD servicing guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint regarding a XXXXXXXX XXXX credit card account that was paid in full for less than the full balance and closed years ago. However, the account is still being reported as a charge-off by both TransUnion and Equifax, which is negatively affecting my credit score.

This is not only inaccurate and misleading, but the debt is also past the statute of limitations for reporting and collection in my state ( South Carolina ). Continuing to report this as a derogatory account is harmful and a violation of my rights under : FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate information FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 605 ( a ) Time limits on negative reporting Despite being paid, the account is still labeled as settled for less than full balance and paid charge-off, which misrepresents the status and resolution of the debt.

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 2025-05-19 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: AR

Complaint narrative:
I reached out to XXXX XXXX XXXXXXXX and Experian upon approximately XXXX of XXXX. 
XXXX XXXX XXXXXXXX shown no evidence as stated by law under 15 usc 16XXXX. A letter head from XXXX XXXX XXXXXXXX stated : We have Verified the inquiry placed on file XX/XX/XXXX. This means we won't be adjusting our reporting like you requested and consider your dispute resolved. By law XXXX XXXX XXXXXXXX is to provide evidence under law 15 usc 168lb.

Experian stated : Our investigation of dispute ( s ) and / or other request ( s ) you recently submitted is now complete. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX Reason : Unspecified Duration : This inquiry is scheduled to continue on record until XX/XX/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 2025-05-19 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: SC

Complaint narrative:
I am writing to formally lodge a complaint against these accounts concerning the unauthorized reinsertion of items that were previously removed from my credit report. Despite having successfully resolved this issue before, these items have reappeared, causing undue XXXX and potential harm to my credit standing. Please see attached documents for these items I am complaining.

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 2025-05-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TX

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 section 6028 states I have the right to privacy,15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish your account without my written instructions. 

I told Experian, Transunion, and Equifax to reinvestigate these accounts : Account Name XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. Additionally, 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 2025-05-19 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: TX

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 section 6028 states I have the right to privacy,15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish your account without my written instructions. 

I told Experian, Transunion, and Equifax to reinvestigate these accounts : Account Name XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. Additionally, 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 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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I sent my quarterly XXXX XXXX check to the XXXX XXXX ( XXXX ) on XX/XX/XXXX. The check cleared and was deducted from my account. I thought all was good until I received a non payment from XXXX. I contacted XXXX and they had me send a copy of the cancelled check. Their investigation showed my check went to XXXX  XXXX XXXX, not their bank XXXX XXXX. I also called Huntington XXXX and they informed me I had to go to a local branch and fill out a form. No form number no nothing other than go to a local branch. Sounds like EXCELLENT CUSTOMER SERVICE! Next I spend close to XXXX hours at the bank as we all try to figure out what cooperate wants us to do. After several phone calls to cooperate, we filled out a form and submitted it to cooperate. XXXX XXXX  later I was called by the local branch and informed we filled out the wrong form! AWESOME! This time they want me to fill out this XXXX part Affidavit form and send it to XXXX, with a prepaid return envelope. A generic Affidavit that XXXX never received my check. After DAYS, WEEKS and even MONTHS of non stop trying to get this signed.... Supervisors, Managers and even a VP to get this signed. On XX/XX/XXXX I finally got Huntington 's form signed. I took it to my Local Branch along with a letter of how I have no faith in our banking system when I can write a check to a reputable Company with my account number on it and someone other than the addressee can cash it??? Now I get a call from XXXX XXXX at cooperate. I am extremely disappointed in how this whole situation was handled by my bank. No one knows what form to use, Cooperate blames the branch, The branch seeks support from cooperate and gets very little support and the customer suffers! 
At this point I really need someone to tell me how someone other than the addressee of a check can cash it??? Your bank knows where the check cashed and have an account number to investigate this theft and instead do nothing!!!! Crazy!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Failure to Properly Investigate Disputes/ Retaliatory Reporting / FCRA Violations I am submitting this complaint against Experian for its repeated failure to properly investigate and correct inaccurate and retaliatory credit reporting related to a dispute with XXXXXXXX XXXX 

Despite having an active dispute and formal complaints open with both the Consumer Financial Protection Bureau and the New York Attorney General regarding a {$2100.00} charge for services not rendered, Experian published new derogatory updates from XXXX on XX/XX/year> ; including a XXXX late mark, over-limit status, and account closure. These updates did not appear in my credit report until XX/XX/XXXX, further compounding the harm and emotional distress caused by XXXX negligence. 

This is not the first time Experian has failed to properly investigate disputes Ive submitted. Over the past half year, I have filed multiple disputes with detailed explanations and supporting documentation and nearly every time, Experian simply marks them as verified without offering an adequate reason or acknowledging the evidence. This pattern suggests a complete lack of independent investigation and a disregard for the Fair Credit Reporting Acts requirement to review consumer disputes in good faith.

The timing of XXXX  reporting after I filed formal complaints with government regulators makes it clear this was retaliatory. Experian had a duty to detect and question such abuse of the credit reporting system, especially when the same account had been previously disputed on multiple occassions. they temporarly mask the issue then place it back on the report. Instead honestly fixing this ongoing issue, Experian enabled XXXX by allowing the derogatory reporting to go through unchallenged. 

For reference, I filed a formal complaint with the New York State Attorney General under Intake # XXXX, submitted a CFPB complaint against XXXXXXXX XXXX under XXXX ID : XXXX, and have just reported XXXX  to the Office of the Comptroller of the Currency ( OCC ) as of today. While the CFPB complaint was still active, XXXX called and texted me throughout XXXX to demand payment and reported me to Experian as 60 days late on XX/XX/XXXX, despite the dispute being unresolved and under federal review.

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