vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: LA

Complaint narrative:
I am disputing several items appearing on my Experian credit report that I believe are inaccurate, outdated, or not properly verified. 

XXXX. Charged Off Accounts : XXXX  XXXX XXXX, Account No. XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account XXXX. XXXX, Date : XX/XX/XXXX, Balance : {$0.00} These accounts are both reporting as charged off, but they appear to be outdated and beyond the reporting period allowed under the FCRA ( typically XXXX years ). I am requesting that Experian investigate and remove these accounts if they are no longer verifiable or if they exceed the allowable reporting timeframe. 

XXXX. Inquiries : XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX ML XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries and am requesting that Experian provide verification of authorization and permissible purpose for each. If documentation can not be provided, these inquiries should be removed immediately. 

I request that Experian complete a full reinvestigation as required under the FCRA 611 and provide written results within XXXX  days.

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 2025-11-11 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:
I am disputing the accuracy of certain accounts currently reported on my TransUnion credit file. These items appear to be misreported, outdated, or unverifiable. I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$0.00} These accounts reflect XXXX balances but are reported as charged off, which conflicts with a true paid or closed status. I request verification from the original furnishers. If documentation can not be provided, please remove these entries entirely. 

XXXX XXXX Accounts : XXXX XXXX Account # : 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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am a victim of XXXX XXXX  and have a police report or FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advance America, Cash Advance Centers, Inc.
State: SC

Complaint narrative:
Company stated they was not receiving payments even though they were in fact doing so constantly calling and emailing me after I submitted bank statements still demanding I come to the office which was inconvenient to my work schedule and me just recently returning to work. I verbally told them to stop contacting me the emailed me stating they would cease yet still reporting inaccurate information to my credit report I disputed it only for them to still inaccurately report again also this company attempted to withdraw amounts I didnt owe them even gave my account information to a company that I didnt owe not authorize. This company has violated the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), by continuing to contact me after receiving written notice to cease communication.

Additionally, their continued reporting of inaccurate or unverified information violates the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) and ( b ). I request that all inaccurate information be deleted from any consumer reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I opened a XXXX XXXX Checking Account in-branch on XX/XX/year> for the {$1000.00} new account bonus offer. I was at the branch for over two hours because the banker assisting me had difficulty processing the account and did not clearly explain the qualification requirements.

I was instructed to deposit the qualifying funds and maintain the balance during the promotional period. I initiated the transfer right away. The funds posted on XX/XX/year>, bringing my balance to {$25000.00}, and from that date forward, I kept my balance above {$25000.00} at all times for the entire required period ( over 140 days ). I have account statements that show the balance remained above {$25000.00} during the entire qualification timeline after XX/XX/XXXX. 

When the {$1000.00} bonus did not post, I contacted XXXX customer support multiple times between XXXX and XX/XX/year>. On several of these calls, the representatives reviewed my account and told me directly that I should receive the bonus, and that it appeared I met the requirements. I was told that the issue would be escalated and corrected. 

However, the bank later denied the bonus. The explanation I received did not match what the branch employee originally told me at account opening, and it did not match what multiple support representatives told me afterward. I followed the guidance I was given and maintained the required balance once the deposit posted. 

I acted in good faith the entire time. I am requesting that the bank honor the {$1000.00} bonus that I qualified for according to the instructions provided 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 2025-11-11 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-11 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: CA

Complaint narrative:
Please review the attached documents ; these inquiries appeared unexpectedly and may not be approved.

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 2025-11-11 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:
Dear Sir/Madam, Charged Off : XXXX OF XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : Account marked as charged-off inaccurately or prematurely. 

XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$640.00} Dispute Reason : Reporting of charged-off status is inaccurate. 

Inquiries : ( None listed ) Late Payments : XXXX XXXX Account Number : XXXX * * * * Date of Late Payment : XX/XX/XXXX Dispute Reason : Inaccurate reporting of late payment or incorrect date. 

XXXX XXXX Account Number : XXXX * * * * Date of Late Payment : XX/XX/XXXX Dispute Reason : Inaccurate reporting of late payment or incorrect date. 

Positive Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Company : Goldman Sachs Bank USA ( Apple Card ) Product : Credit Card Issue Type : Incorrect information on credit report Date of Incident : XX/XX/XXXX Complaint : I am submitting this complaint under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i and 1681s-2 ) regarding the inaccurate reporting of a XXXX late payment by Goldman Sachs Bank USA XXXX XXXX Apple Card account ( ending in XXXX ) for XX/XX/XXXX. 

I vehemently dispute the accuracy of this reporting and maintain that it is incomplete, misleading, and unverified. This alleged delinquency has adversely affected my creditworthiness, resulting in financial and reputational harm, including reduced credit scores and the loss of favorable credit terms. 

On XX/XX/XXXX, I mailed certified dispute letters to Experian, Equifax, and TransUnion, requesting verification or correction of this reporting. I also submitted a direct dispute to Goldman Sachs Bank USA, demanding that the company provide contemporaneous, verifiable records substantiating the alleged late payment. 

To date, I have not received sufficient documentation demonstrating that this information was accurately reported. Under the FCRA, a furnisher XXXX not continue to report disputed information that can not be verified as accurate. 

I am requesting that the CFPB XXXX this matter and ensure that Goldman Sachs Bank USA and all three credit bureaus comply with their statutory duties to : Conduct a reasonable reinvestigation of the disputed information. 
Provide complete documentation verifying the alleged delinquency. 
Delete or correct the inaccurate item if verification can not be established. 

I am also requesting that this erroneous entry be removed immediately to prevent further damage to my credit profile. 


Requested Resolution : Immediate deletion or correction of the XXXX late payment reported for XX/XX/XXXX. 
Written confirmation of the reinvestigation results. 
XXXX that no unverifiable or inaccurate information will continue to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am filing this complaint against Bank of America regarding a dispute that has not been resolved despite multiple attempts over a long period of time. 

I contacted Bank of America to dispute a charge for a company that took my money but never delivered the agreed-upon work. I provided all requested documentation and explanations several times. However, my dispute has not been properly handled or resolved. 

Each time I call, I am transferred from XXXX department to another, and no one takes ownership of the issue. I have spent hours on the phone explaining my situation repeatedly without any progress. Representatives either disconnect the call, give conflicting information, or assure me someone will follow upbut no one ever does. 

This has been extremely frustrating and disappointing. Bank of Americas dispute department has failed to protect me as a consumer from unauthorized or undelivered transactions, and I am now left without my funds or a fair resolution.

I am requesting the CFPB to review this matter and ensure Bank of America resolves my dispute promptly and appropriately.

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 2025-11-11 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: VA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING.

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-11 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 submitting a dispute regarding the inaccurate information provided by Experian. The following accounts and inquiries are being disputed for investigation and correction. 

Charged Off Accounts : [ No charged-off accounts listed for EX ] Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-11-11 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On Wednesday, XX/XX/year>, I was at work when I received a couple emails from XXXX saying amounts of {$10.00} & {$260.00} have been taken out of my Navy Federal Checking account and placed into my XXXX account. Which was then used to purchase bitcoin, then was transferred into an unknown account. After checking all my transactions, I saw that an amount of {$300.00} was transferred out my checking account to my apple cash, then sent to an unknown number. I called all 3 companies ; Navy Federal, XXXX, and XXXX. All XXXX informed me that an investigation would be held. Navy federal sent me a {$570.00} temporary credit until the claim was processed. I then received an email on Tuesday, XX/XX/year> stating that my fraud claim has been denied and the temporary credit would be reversed in 10 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-11 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: CA

Complaint narrative:
I am submitting this complaint to dispute inaccuracies in my credit reports as provided by the credit bureaus. Below are the details of the accounts in dispute across the three bureaus. I respectfully request that an investigation be initiated, and any inaccuracies be corrected. 
Charged-Off Accounts : [ Account Name ] Account Number : [ Account Number ] Account Date : [ Account Date ] Balance : [ Balance ] Inquiries : XXXX XXXX  Account Date : XX/XX/year> XXXX XXXXXXXX Account Date : XX/XX/year>

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 2025-11-11 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my notarized Affidavit of Identity Theft as evidence supporting my identity theft claim.

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report or affidavit by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. My credit report contains fraudulent ACCOUNTS and HARD INQUIRIES that are not associated with me. All necessary documentation is included in this packet, including my notarized Affidavit of Identity Theft and supporting identification documents. Copies have also been sent to your agency via Certified Mail.

In addition, I request the immediate removal of the following fraudulent accounts from my credit report. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-11 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: LA

Complaint narrative:
I previously requested a reinvestigation of the accounts listed on my credit report. However, the results I received did not include proper verification or supporting documentation from the data furnisher. Under the Fair Credit Reporting Act ( FCRA XXXX ), I have the right to a fair and accurate reinvestigation. Because the information could not be fully verified.

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