vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2025-03-29 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: NC

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2025-03-29 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: TN

Complaint narrative:
I requested Transunion to delete 2 inquiries off my credit report. I submitted a certified letter with a notarized letter attached.to the dispute. Along with my SS card ( copy ) and a copy of my driver 's license. As well as a proof of residence.

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 2025-03-29 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$18000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX inquiries XXXX XXXX Date XX/XX/XXXX XXXX XXXX, XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Experian list a debt collection on my file with them and allowed the collection company to report the debt collection as severely late even though that Experian has it listed as included in XXXX XXXX bankruptcy. This debtor was acquired by another debt collector recently.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, made a hard inquiry on my credit report dated XX/XX/year>2025, without my authorization. I visited the dealership on that date to discuss vehicle pricing and financing options, but at no point did I provide written or verbal consent for them to perform a credit check. I did not complete or sign any financing applications, nor did I authorize any credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Experian Information Solutions Inc.
State: MD

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 explanation
Consumer complaint received 2025-03-29 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$170.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$210.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$71.00} Open Date XX/XX/XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$880.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$630.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$380.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$300.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX inquiries XXXX Date XXXX XXXX, XXXX XXXX Date 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 non-monetary relief
Consumer complaint received 2025-03-29 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:
Im disputing the information in this FTC complaint, as it appears on my credit profile, I would like validation of the debt to prove it belongs to me XXXX XXXX the debt cant be validated, I would like for the debt to be removed from my credit profile. Please note verification is NOT validation.

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 2025-03-29 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: LA

Complaint narrative:
Im disputing the information in this FTC complaint, as it appears on my credit profile, I would like validation of the debt to prove it belongs to me XXXX XXXX the debt cant be validated, I would like for the debt to be removed from my credit profile. Please note verification is NOT validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX. In XX/XX/XXXX, I applied for an American Express XXXX XXXX XXXX XXXX through the American Express webpage, which advertised a XXXX promotional offer after meeting a specific spending requirement within the first three months. The card carries an annual fee of {$370.00}. I paid this fee and fulfilled the spending requirement on time, yet American Express has refused to award the XXXX points as promised. 
First Call ( XX/XX/XXXX ) : When I contacted American Express, the first agent confirmed that I qualified for the XXXXpoint promotion and stated that the points would arrive in XX/XX/XXXX. 
Second Call ( XX/XX/XXXX ) : Since the points never arrived, I called American Express again. This time, a different agent claimed my promotional offer was declined without providing any specific reason. I have not held this card previously, nor do I have any negative account history with American Express. 
Unfortunately, all attempts to resolve this issue directly with American Express have failed. Consequently, I am filing a complaint with the CFPB to recover the XXXX points promised under the original promotional offer. 
The same situation occurred with my wife, XXXX XXXX, who also applied for the American Express XXXX XXXX XXXX XXXX under the same XXXX promotional offer. Like me, he paid the {$370.00} annual fee, met the spending requirement, and was later informedwithout explanationthat the promised points would not be awarded. 
We are jointly requesting that American Express honor the full XXXX points ( XXXX XXXX each ) as stated in their advertised promotion. The specific card details are as follows : 1. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX XXXX Card Number : XXXX XXXX XXXX Since our direct communications with American Express have not resulted in a fair resolution, we look to the Consumer Financial Protection Bureau ( CFPB ) to assist us in obtaining the XXXX points ( XXXX for each account ) that were promised at the time of application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: AL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX Date 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 non-monetary relief
Consumer complaint received 2025-03-31 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX - Date Opened 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 2025-03-29 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: Experian Information Solutions Inc.
State: FL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 explanation
Consumer complaint received 2025-03-29 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX consumer report I NEVER opened or use any following account numbers. 

Bank : XXXX XXXX ( Open Date XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXXXXXX ( Date Open XX/XX/XXXX ) Account # XXXX Routing # XXXX XXXX : XXXX XXXX ( Open Date XX/XX/XXXX Account # XXXX Routing # XXXX XXXX : XXXX ( Open Date XX/XX/XXXX ) Account # XXXX Routing # XXXX XXXX XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # XXXX Routing # XXXX I dont recognize the following accounts in question The report shows that I was suspected of fraudulent activity and I was the victim of a scam and not the perpetrator. 

Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I am requesting the following information to be deleted from my early warning consumer IMMEDIATELY Ive attached a copys of the report to this request. 



Thank You for your assistance Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — Store credit 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 purchased a new XXXX from XXXX and traded in my old XXXX as part of the purchase. The trade-in was valued at {$300.00}, and I was supposed to receive that amount as a refund. However, XXXX initially refunded only {$180.00} to my credit card and put the remaining {$120.00} onto a gift card. 

I contacted XXXX and requested that the {$120.00} be refunded to my original payment method ( my credit card ) instead of a gift card, and they acknowledged the request. However, instead of issuing the refund properly, XXXX removed the funds from the gift card but never credited my credit card. After multiple calls and over four hours of discussions, a manager informed me that the refund had been mistakenly sent to the wrong person. The manager assured me that they would reissue the {$120.00} refund to my credit card. 

A week later, I still had not received the refund. When I followed up, XXXX online store supervisor name XXXX ( female voice ) who claimed that since I used multiple payment methods ( a credit card for over {$1000.00} and a small amount on a gift card ), they could only refund the {$120.00} to a gift card, which I do not have access to. They refused to issue the refund to my credit card, even though the issue was caused by their error. i asked her what is the proper way to dispute this, she informed me you can not do anything about it, or just go write a review about us..! 

I disputed this transaction via the Credit card issuer XXXX by Golden Sachs because XXXX online store failed to provide the refund to my original payment method, and I have not received the {$120.00} I am owed. I requested that my credit card issuer reverse the charge or issue a chargeback for the missing refund amount since XXXX has not resolved the issue. Instead of helping me, they transferred me back to XXXX specifically who refused to assist me in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase CC promoted me from delinquent account to major derogatory account. Nice to see them hanging in there. Chase will get paid just as soon as they answer my question. How can I have an account with a balance due, when it's PAID IN FULL every month? 
Facts-I was on auto-pay-paid in full each month. 
XXXX statement showed balance due- {$47.00}. 
XXXX first statement showed {$47.00} charges, but a subsequent XXXX statement showed {$4.00} credit. 
XXXX statement showed XXXX charge of {$51.00}, offset by {$51.00} credit. 
Chase, reason unknown, gave me the same {$51.00} credit in XXXX {$47.00} charge/ {$51.00} credit= {$4.00} credit. Hence, the balance of {$47.00} due in XXXX. 

Chase failed to answer my question, and I failed to pay the XXXX statement, until I had an explanation. When I tried to update my XXXX XXXX XXXX to Premium, I was turned down -Derogatory account. Delinquent account was bad enough, but derogatory was a bridge too far. I'm disputing it officially. If here are any forms to fill out, please email them to me. 
Thank you for your consideration,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: MA

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: MA

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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