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

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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

Complaint narrative:
I am formally disputing multiple inaccuracies and unverifiable items currently listed on my credit report. While I am not denying the existence of these accounts, my intent is to request a thorough investigation, verification, and correction of the items listed below under my rights as provided by the Fair Credit Reporting Act ( FCRA ). Despite submitting this request, I have not received timely confirmation or resolution. 

Inaccurate Addresses Reported The following addresses are incorrectly attributed to my credit profile : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX My correct and current address is : XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX Charge-Off Account XXXX : XXXX XXXX Account # : XXXX Balance : {$16000.00} Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$5800.00} Inquiry XXXX XXXX  / XXXX XXXX dated XX/XX/year> XXXX I do not recall authorizing this inquiry. ) Despite citing my rights under FCRA Sections 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 604 ( a ) ( 3 ), and requesting written confirmation of investigation results within 30 days, I have received no satisfactory response or updates.

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

Complaint narrative:
I am formally disputing multiple inaccuracies and unverifiable items currently listed on my credit report. While I am not denying the existence of these accounts, my intent is to request a thorough investigation, verification, and correction of the items listed below under my rights as provided by the Fair Credit Reporting Act ( FCRA ). Despite submitting this request, I have not received timely confirmation or resolution. 

Inaccurate Addresses Reported The following addresses are incorrectly attributed to my credit profile : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX My correct and current address is : XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX Charge-Off Account XXXX : XXXX XXXX Account # : XXXX Balance : {$16000.00} Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$5800.00} Inquiry XXXX XXXX  / XXXX XXXX dated XX/XX/year> XXXX I do not recall authorizing this inquiry. ) Despite citing my rights under FCRA Sections 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 604 ( a ) ( 3 ), and requesting written confirmation of investigation results within 30 days, I have received no satisfactory response or updates.

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 2025-09-09 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. CXXXXe XXXXb Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-09-09 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:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections XXXX you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-09-09 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: OK

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-09-09 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: OK

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have formally requested an investigation into the accuracy and completeness of multiple accounts currently reported on my credit file. I am not disputing these accounts, but I am requesting that each be reviewed, verified, and corrected under my rights per the Fair Credit Reporting Act ( FCRA ). Despite my request, I have not received a timely or sufficient response. 

The accounts in question include : XXXX  XXXX XXXX XXXX, balance {$9300.00}, various late statuses between XXXX and XX/XX/XXXXXXXX  Multiple Dept. of Education/XXXX accounts with balances ranging from {$1900.00} to {$14000.00} and uniform late statuses between XXXX and XX/XX/XXXX XXXX balance {$150000.00}, 30 days late XX/XX/XXXX, opened XX/XX/XXXXXXXX XXXX balance {$350000.00}, 30 days late XXXX, XXXX, and June 2024, 60 days late XX/XX/XXXX, opened XX/XX/XXXX Under the FCRA Sections 607 ( b ) ( reasonable procedures to ensure accuracy ), 611 ( right to reinvestigation within 30 days ), 623 ( a ) ( 1 ) ( A ) ( prohibition on furnishing known inaccurate info ), and 623 ( a ) ( 2 ) ( mandatory correction or update ), I expect these accounts to be verified. If errorssuch as inaccurate dates, duplicated entries, or mismatched balancesare found, they must be corrected or deleted. 

I have submitted my initial request but have not received a complete, timely investigation or confirmation of corrections. I file this complaint to ensure that my credit report accurately reflects my consumer history and complies with FCRA standards.

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

Complaint narrative:
I have formally requested an investigation into the accuracy and completeness of multiple accounts currently reported on my credit file. I am not disputing these accounts, but I am requesting that each be reviewed, verified, and corrected under my rights per the Fair Credit Reporting Act ( FCRA ). Despite my request, I have not received a timely or sufficient response. 

The accounts in question include : XXXX  XXXX XXXX XXXX, balance {$9300.00}, various late statuses between XXXX and XX/XX/XXXXXXXX  Multiple Dept. of Education/XXXX accounts with balances ranging from {$1900.00} to {$14000.00} and uniform late statuses between XXXX and XX/XX/XXXX XXXX balance {$150000.00}, 30 days late XX/XX/XXXX, opened XX/XX/XXXXXXXX XXXX balance {$350000.00}, 30 days late XXXX, XXXX, and June 2024, 60 days late XX/XX/XXXX, opened XX/XX/XXXX Under the FCRA Sections 607 ( b ) ( reasonable procedures to ensure accuracy ), 611 ( right to reinvestigation within 30 days ), 623 ( a ) ( 1 ) ( A ) ( prohibition on furnishing known inaccurate info ), and 623 ( a ) ( 2 ) ( mandatory correction or update ), I expect these accounts to be verified. If errorssuch as inaccurate dates, duplicated entries, or mismatched balancesare found, they must be corrected or deleted. 

I have submitted my initial request but have not received a complete, timely investigation or confirmation of corrections. I file this complaint to ensure that my credit report accurately reflects my consumer history and complies with FCRA standards.

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 2025-09-09 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 filing this complaint regarding multiple accounts on my credit report that are being reported as charge-offs as well as several hard inquiries that I believe are inaccurate, unverifiable, or misleadingXXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe contain inaccurate information. Under my rights provided by 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to a fully accurate credit report. I request that these accounts be reviewed, and if they can not be properly verified as accurate, they must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
USAA previously offered {$200.00} for opening an USAA performance first savings account and the requirements were 1. Apply and open a new USAA performance first savings account 2. Within 30 days, deposit at least {$15000.00} into the new account 3. For 90 days, maintain a minimum daily ledger balance of XXXX XXXX. Bonus will be deposited into the new USAA performance first savings account within 60 days after the qualification period. 

The promotional advertisement prominently stated that depositing {$15000.00} and maintaining the balance for 90 days would qualify me for the bonus. I deposited XXXX on XX/XX/year> and withdrew XX/XX/year> after 93 days. Despite fully complying with these requirements, USAA has refused to provide the promised bonus. They have stated that the balance must be maintained for 120 consecutive days including the funding period. The 120 day period is only the total promotion timeline. I deposited the required amount within the initial 30 day period and maintained the balance for 90 days as stated. This created a misleading impression for consumers, as the essential requirement seemed to be maintaining the {$15000.00} balance for 90 days which I did. I request that CFPB review this case and require USAA to honor the promotional bonus.

I talked to the representative by phone, and chat with the representative to make sure I qualify for the bonus and they were saying I have fulfilled all the requirements to receive the bonus and everything looks fine.

Recently, I revisited USAAs website and discovered that the promotion has since been reworded to include an additional requirement : maintaining {$15000.00} for 90 days starting after the 30th day of account opening. This new language did not exist at the time I opened my account.

This shows that USAA has changed the terms after the fact, which is unfair and deceptive. Consumers can not be held to conditions that were not clearly disclosed when they enrolled.

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 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I request a review of all collection accounts on my credit report, as I believe some contain inaccurate information. Under 15 U.S.C. 1681e ( b ) and 1681i, I am entitled to an accurate report, and any unverifiable entries should be removed.

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 2025-09-09 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:
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 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 2025-09-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received a gift for an American Express prepaid card. I have been unable to use the card at nearly every retailer, store, or website. The money on the card is useless if it continually gets rejected at every use. I dont understand how stores and websites that accept American Express refuse to accept this prepaid card. This card is unusable at XXXX XXXX of retailers, contrary to the advertisements.

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

Complaint narrative:
I made a purchase from XXXX on XX/XX/year> for a pair of mens sandals. Once they arrived, they were a half size too big. I reached out to XXXX  via email and notified them of the size difference requesting an exchange. I was informed I would need to send back the sandles and purchase a replacement. I made a second purchase of the replacement on XX/XX/year>. I was unaware the sandles had come from out of the country when I took the returned pair back to USPS. 

I requested a return with XXXX  that was approved on XX/XX/year> it wasnt until I arrived to the post office to find the sandles were sent directly from XXXX and I would be required to pay the {$49.00} return shipping fee that XXXX wouldnt pay. I paid thr fee and returned the package of sandles back to XXXX through USPS on XX/XX/year> tracking number : XXXX the package was returned and received back in XXXX as of XX/XX/year>. 

My credit card company, Goldman Sacks ( Apple Card ) is disputing the validity of the return claiming the return was outside of the parameters of return. XXXX never specified that I needed to pay additional to have the package send express as the return was already a quarter of what I paid for the sandles. The sandles cost me {$160.00} which also included the original shipping fee of {$9.00}. I have done everything right here in the process of resolving this matter. I purchased a second pair of sandles not knowing I would be out of {$50.00} to return the first pair, to then be told by Goldman sacks that they can not honor my dispute after the sandles have already been returned. So I have the blunt bare of the original cost of {$150.00}, plus {$48.00} for the USPS return of them, to now not have anything to show for it because theyre in XXXX . I am asking for the full refund of what I paid to be issued to me from Goldman sacks. I have images and documents to support my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-09 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: IL

Complaint narrative:
I recently reviewed my credit report and was surprised to discover several collection accounts listed under my name. As someone who works hard to maintain financial stability and carefully monitors my obligations, it was unsettling to see my report display information that does not reflect the reality of my payment history. These collections, as they appear now, present an inaccurate and harmful picture of my credit profile. Because of this, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute and request reinvestigation of these accounts. The following accounts and balances are reported XXXX XXXX XXXX with a balance of XXXX XXXX ; XXXX XXXX with a balance of XXXX XXXX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX with a balance of XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX with a balance of XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX with a balance of 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 with a balance of XXXX XXXX ; and XXXX XXXX XXXXXXXX with a balance of XXXX XXXX.

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

Complaint narrative:
I recently reviewed my credit report and was surprised to discover several collection accounts listed under my name. As someone who works hard to maintain financial stability and carefully monitors my obligations, it was unsettling to see my report display information that does not reflect the reality of my payment history. These collections, as they appear now, present an inaccurate and harmful picture of my credit profile. Because of this, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute and request reinvestigation of these accounts. The following accounts and balances are reported : XXXX XXXXXXXX with a balance of XXXX XXXX ; XXXX XXXX with a balance of XXXX XXXX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX with a balance of XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX with a balance of XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX with a balance of XXXX XXXX XXXX ; XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX A ) XXXX with a balance of XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX A ) XXXX with a balance of XXXX XXXX ; XXXX XXXX XXXXXXXX with a balance of XXXX XXXX ; and XXXX XXXX  XXXX with a balance of 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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am constantly being contacted by XXXX XXXX XXXX regarding supposed debt owed by an individual named XXXX XXXX. I receive calls, voicemails, and text messages inquiring about the loan being recalled but I have never heard of the company nor do I know of anyone by the name XXXX XXXX.

Company response to consumer: Closed with explanation