vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccuracies appearing on my Equifax, Experian, and TransUnion credit reports. These entries include inconsistent reporting across bureaus, unverifiable balances, misleading account status, and potential violations of the Fair Credit Reporting Act ( FCRA ). 
Some accounts are reported as charge-offs without proper IRS documentation XXXX others show conflicting balances or delinquency histories, and at least one repossession account lists inaccurate payment history. These inaccuracies are harming my creditworthiness and misrepresent my financial responsibility. 
XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} Status : Profit and Loss Write-Off/Charge-Off Last Activity : XX/XX/XXXX No Form 1099-C was issued, and the charge-off reporting is misleading and inconsistent across bureaus. 
XXXX XXXX XXXX XXXX Balance : {$24000.00} Status : Charge-Off Last Activity : XX/XX/XXXX No Form 1099-C was issued, and reporting is inaccurate and inconsistent. 
XXXX XXXX XXXXXXXX Balance : {$0.00} Status : Closed/Zerobalance This account continues to be reported as a negative tradeline despite having a XXXX balance. 
XXXX XXXX XXXX XXXX XXXX : {$40000.00} Status : Repossession Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Conflicting balances and delinquency history across bureaus make this account unverifiable. 
XXXX XXXX XX/XX/XXXX Appears without documentation showing permissible purpose or authorization, potentially violating FCRA 604 ( a ) ( 3 ). 
XXXX XXXX XXXX [ insert full account number ] Date Opened : XX/XX/XXXX Reported inaccurately with unverifiable balances and inconsistent information across credit bureaus. 
Applicable Federal Laws : FCRA 607 ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum accuracy.

FCRA 611 : Consumers have the right to dispute inaccurate information and request reinvestigation. 
FCRA 623 ( a ) ( 1 ) ( A ) & ( 5 ) : Furnishers must provide only accurate information and update records accordingly.

FCRA 604 ( a ) ( 3 ) : Inquiries require a permissible purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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 submitting this complaint to formally dispute multiple inaccuracies appearing on my Equifax, Experian, and TransUnion credit reports. These entries include inconsistent reporting across bureaus, unverifiable balances, misleading account status, and potential violations of the Fair Credit Reporting Act ( FCRA ). 
Some accounts are reported as charge-offs without proper IRS documentation XXXX others show conflicting balances or delinquency histories, and at least one repossession account lists inaccurate payment history. These inaccuracies are harming my creditworthiness and misrepresent my financial responsibility. 
XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} Status : Profit and Loss Write-Off/Charge-Off Last Activity : XX/XX/XXXX No Form 1099-C was issued, and the charge-off reporting is misleading and inconsistent across bureaus. 
XXXX XXXX XXXX XXXX Balance : {$24000.00} Status : Charge-Off Last Activity : XX/XX/XXXX No Form 1099-C was issued, and reporting is inaccurate and inconsistent. 
XXXX XXXX XXXXXXXX Balance : {$0.00} Status : Closed/Zerobalance This account continues to be reported as a negative tradeline despite having a XXXX balance. 
XXXX XXXX XXXX XXXX XXXX : {$40000.00} Status : Repossession Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Conflicting balances and delinquency history across bureaus make this account unverifiable. 
XXXX XXXX XX/XX/XXXX Appears without documentation showing permissible purpose or authorization, potentially violating FCRA 604 ( a ) ( 3 ). 
XXXX XXXX XXXX [ insert full account number ] Date Opened : XX/XX/XXXX Reported inaccurately with unverifiable balances and inconsistent information across credit bureaus. 
Applicable Federal Laws : FCRA 607 ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum accuracy.

FCRA 611 : Consumers have the right to dispute inaccurate information and request reinvestigation. 
FCRA 623 ( a ) ( 1 ) ( A ) & ( 5 ) : Furnishers must provide only accurate information and update records accordingly.

FCRA 604 ( a ) ( 3 ) : Inquiries require a permissible purpose

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/XXXXI fell into hardships and lost my job.  As a result, I was unable to make payments.  I was able to gain employment, but Comenity bank sold my account to XX/XX/XXXXonXX/XX/XXXX  When I regained employment and was able to pay shortly afterwards, I reached out to XX/XX/XXXX to make payment in full on XX/XX/XXXXfor XX/XX/XXXX have made multiple attempts reaching out to XX/XX/XXXX and neither party has updated my account correctly. Again, I have paid this account in fullXX/XX/XXXXAccount XX/XX/XXXXCOMENITYCAPITALXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: CA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I had Money in XXXX XXXX XXXX, Marcus by Goldman Sachs, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  all these companies closed my accounts saying fraud wen I ask them wat they meant I was told they don't have to tell me them I was told I never had money in these accounts I have my statements because I screenshot them bc before my accounts were closed then these companies told me they have a right not to issue me a check so I asked were did all my money go I was told back to source I asked wat is source I was told I should know it's been almost three years and im broke and homeless I don't know wat else to do I did the chain of command XXXX XXXX XXXX I had 3 accounts opened and closed Marcus by Goldman Sachs I open up an account twice they would even allow me to ask if the address they had on file was correct they said I should know I went to downtown XXXX XXXX XXXX and XXXX XXXX  I felt I was treated unfairly I signed in only to get put in the back of line then when the company was getting ready to close they had no choice but to help me when I was just standing there because I was last person lefted the office representative said after me just standing said so what should we call you I said to her by my name XXXX XXXX the name I signed in with XXXX XXXX  down XXXX XXXX XXXX  rep told me to wait a min I told the rep I got bank statements to prove I had money in my accounts they got the office manager and she told me to leave there office that was really hurtful really really hurtful I looked at myself wen I got home I'm a women of XXXX I didn't look bad I wasn't hard to look at I had XXXX XXXX XXXX on and a XXXX XXXX  I couldn't even talk about this at first I was made to feel I had know place being there have a right to receive my money I invested in this for eight years I'm not begging asking for a hand out this is my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I opened a new checking account on XX/XX/XXXX to qualify for the {$450.00} cash bonus promotion. The banker who helped me open the account explicitly told me that to get the bonus, I only needed to deposit a total of {$2000.00}. They said there were no other requirements to worry about. I made qualifying direct deposits totaling over {$2000.00} within the first 90 days, meeting all the advertised requirements as explained to me. 

I was never informed that there was a fee for paper statements or that I had to maintain a positive account balance to receive the bonus. This fee was debited from my account, causing the balance to go negative for a short period. I was not given a physical copy of the complete promotional terms when I opened the account. 

When I contacted the bank to inquire about the bonus, they told me I was ineligible because the fine print states the bonus will only be deposited into accounts with a positive balance. I believe this is unfair and deceptive. The bank 's own fee caused my account to become negative, and I was not made aware of this term or the fee by the banker. The bank is now using this hidden term to deny the bonus, contradicting what I was told directly by their employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
We agreed to an amount of XXXX after my vehicle was repossessed and sold. Theres a recording with the company credit acceptance that credit acceptance accepted the offer but no payment dates have occurred and they are still reporting late payments and wrong amount. I would like to deal they offered to be honored & late payments & false reported amounts to stop.

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 2025-09-13 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: TX

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 explanation
Consumer complaint received 2025-09-13 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: NC

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 explanation
Consumer complaint received 2025-09-13 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: NC

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: NC

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To TransUnion, This is an uncompromising CFPB complaint demanding urgent and immediate action. Under the strict and non-negotiable provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ), TransUnion is ordered to block and remove the fraudulent information on my credit report within an inflexible deadline of four business days upon receipt of this complaint. The fraudulent accounts, which must be eradicated without hesitation, are : XXXX XXXX XXXX  XXXX XXXX {$640.00}, XXXX XXXX {$900.00}, XXXX  XXXX {$420.00}, XXXX XXXX XXXX {$230.00}, XXXX XXXX XXXX {$300.00}, XXXX XXXX XXXX {$1800.00}. The following inquires are not authorized XXXX XXXX  ( XX/XX/year> ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XX/XX/year>. ) These fraudulent accounts have resulted in unauthorized hard inquiries and false collections tarnishing my FICO credit report. I emphatically reject any insinuations that I authorized these accounts, emphasizing that they are irrefutable evidence of identity theft and fraud. Enclosed is the FTC Identity Theft Criminal Complaint ( # XXXX ), undisputed documentation from the U.S. Federal Trade Commission proving the fraudulent nature of these accounts, collections, and inquiries. Failure to act with immediate and decisive force to block and obliterate this fictitious information from my credit report will not be tolerated. Should TransUnion fail to respond within the stated time frame, be prepared for relentless and aggressive legal action to enforce my rights under the FCRA. This is a final directive, not a request.

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 2025-09-13 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: PA

Complaint narrative:
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it 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 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: IL

Complaint narrative:
Netspend has not sent me the {$100.00} bonus for having direct deposits totaling {$400.00} or more within 60 days and activating the debit card. I want the {$100.00} credited to my account 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