vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: NY

Complaint narrative:
I opened a Netspend Debit Account as part of a promotional offer that stated : " To qualify for this offer, ( 1 ) you must acquire a new Netspend Prepaid Card or Netspend Debit Account, activate the Card or register the Account, and pass required identity verification between XX/XX/XXXX and XX/XX/XXXX and ( 2 ) enroll in Direct Deposit and receive Direct Deposits totaling {$400.00} or more within XXXX  days of acquiring the account. The qualifying incentive credit will be applied to your account within XXXX business days after the qualifying direct deposit activity. '' I fulfilled all the requirements : Opened a new Netspend Debit Account Activated the debit card Passed identity verification Received a qualifying Direct Deposit of {$400.00} More than XXXX business days have passed since the qualifying deposit, but the promised {$200.00} bonus has not been credited to my account. I contacted the company, but the issue remains unresolved. 

I am requesting that the company honors its promotional terms and credits the {$200.00} bonus as advertised.

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 2025-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
For the past 9 months, Ive been sending dispute letters to TransUnion requesting the removal of unauthorized hard inquiries from my credit report. I specifically asked for proof that I authorized these inquiries such as a signed application or documentation from the creditors. 

Instead of providing any evidence, TransUnion has repeatedly responded with stall letters. These letters are sent on or around the XXXX of each month, and they often claim that the dispute was not initiated by me, which is completely false. I have mailed every letter myself and included identification and supporting documentation each time. 

Despite following proper dispute procedures under the Fair Credit Reporting Act ( FCRA ), TransUnion has failed to investigate or respond properly. I am requesting that the CFPB step in to ensure that TransUnion complies with the law and either provides proper validation or removes the unauthorized inquiries 1. XXXX XXXX  Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, MN XXXX Phone : ( XXXX ) XXXX 2. XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( no date provided please investigate ) 4. XXXX XXXX XXXX XXXX ( XXXX XXXX ) Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, WY XXXX Phone : ( XXXX ) XXXX 5. XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, IA XXXX Phone : ( XXXX ) XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( no date provided please investigate ) 7. XXXX  XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX 8. XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX  XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX 9. XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX 10. XXXX XXXX - Date : XX/XX/XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Phone : Not available 11. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date : XX/XX/XXXX - Address : XXXX XXXX XXXX, XXXX, PA XXXX XXXX Phone : ( XXXX ) XXXX I am requesting that all of these inquiries be investigated thoroughly and removed from my TransUnion report, as they were not authorized by me. I have asked TransUnion multiple times over 9 months and received only stall letters with no proof. I would like written confirmation once the inquiries are deleted.

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 2025-08-03 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: EQUIFAX, INC.
State: MA

Complaint narrative:
For the past 9 months, Ive been sending dispute letters to XXXX  requesting the removal of unauthorized hard inquiries from my credit report. I specifically asked for proof that I authorized these inquiries such as a signed application or documentation from the creditors. 

Instead of providing any evidence, XXXX  has repeatedly responded with stall letters. These letters are sent on or around the XXXX of each month, and they often claim that the dispute was not initiated by me, which is completely false. I have mailed every letter myself and included identification and supporting documentation each time. 

Despite following proper dispute procedures under the Fair Credit Reporting Act ( FCRA ), XXXX  has failed to investigate or respond properly. I am requesting that the CFPB step in to ensure that XXXX  complies with the law and either provides proper validation or removes the unauthorized inquiries 1. XXXX XXXX  Date : XX/XX/XXXX Address : XXXX XXXX  XXXX XXXX, XXXX, MN XXXX Phone : ( XXXX ) XXXX 2. XXXX XXXX XXXX  Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( no date provided please investigate ) 4. XXXX XXXX XXXX XXXX ( XXXX XXXX ) Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, WY XXXX Phone : ( XXXX ) XXXX 5. XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, IA XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( no date provided please investigate ) 7. XXXX  XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX 8. XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX  XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX 9. XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX 10. XXXX XXXX - Date : XX/XX/XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Phone : Not available 11. XXXX ( XXXX Bank XXXX XXXX XXXX XXXX Date : XX/XX/XXXX - Address : XXXX XXXX XXXX, XXXX, PA XXXX XXXX Phone : ( XXXX ) XXXX I am requesting that all of these inquiries be investigated thoroughly and removed from my XXXX  report, as they were not authorized by me. I have asked TransUnion multiple times over 9 months and received only stall letters with no proof. I would like written confirmation once the inquiries are deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I sent a legally structured dispute package by certified mail with electronic return receipt to all three credit bureaus ( Experian, Equifax, and TransUnion ). My package included a full breakdown of multiple accounts and inquiries that were inaccurate, unverifiable, or unauthorized. I included supporting documents like ID, proof of address, highlighted credit reports, and legal citations under the Fair Credit Reporting Act ( FCRA ). 

I specifically disputed : Unauthorized hard inquiries I did not approve or initiate Multiple accounts with wrong balances, dates, payment history errors, or no documentation of ownership These were sent via XXXX Certified Mail with tracking numbers : Experian : XXXX TransUnion : XXXX Equifax : ( same documents sent, tracking available ) As of today, XX/XX/year>, I have not received a proper investigation response or any corrections. More than 30 days have passed with no action, which violates : FCRA 611 ( a ) : No reasonable investigation or results within 30 days FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 623 ( b ) : Continued reporting of unverifiable data FCRA 604 ( a ) : Inquiries reported with no permissible purpose These violations are causing ongoing credit harm. I am requesting immediate deletion of every disputed item and formal documentation showing the correction.

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 2025-08-04 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: NY

Complaint narrative:
I am filing a formal complaint regarding inaccurate and misleading information being reported on my credit file by Experian concerning the account listed as XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX This account is being reported with a payment status of " Collection/Chargeoff '', despite the fact that the balance is {$0.00}, the monthly payment is {$0.00}, and there is no past due amount. The data clearly reflects that the debt was paid in full and is no longer outstanding. 

The credit file shows : Balance : {$0.00} Monthly Payment : {$0.00} Past Due : {$0.00} Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Status : Charged off as bad debt and Purchased by another lender, which is materially inaccurate for a closed, paid account.

Additionally, I never authorized the publication or re-reporting of this derogatory status on my consumer file. This reporting misrepresents the status of the account, causes undue harm to my credit reputation, and violates my rights under federal law.

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies
are required to follow reasonable procedures to ensure maximum possible accuracy of the information reported. Continuing to list this account as a charge-off after payment and with a {$0.00} balance constitutes inaccurate and misleading reporting. Furthermore, the presence of this data violates 15 U.S.C. 1681i ( a ), which mandates that disputed information be verified and corrected in a timely and accurate manner.

This reporting is unfairly damaging my credit standing and must be deleted or corrected 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
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-03 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: TX

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor 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 explanation
Consumer complaint received 2025-08-03 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: CO

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet 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 detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2025-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I put in a loan to Navy Federal credit Union or XXXX for a new car then I put an alarm for XXXX personal loan they denied that and when I asked him what was the purpose of the denial they couldnt give me no answer or no con and feedback on the loan information but then I asked him what was the required credit score they couldnt give me an answer on that so I feel that the factor is they being biased they pick and choose who they wan na get loans to I even apply for a credit card with them and couldnt get a great interrupted them about the credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: Paypal Holdings, Inc
State: NV

Complaint narrative:
To Whom It May Concern : I, XXXX XXXX, feel I am being completely taken advantage of by both the vendor XXXX XXXX XXXX and the credit company ( PayPal, managed by XXXX ) regarding a dispute over a {$240.00} charge. Upon mistakenly placing an order, I immediately emailed the correct email address to cancel the order. My email request to cancel the order was sent within XXXX minutes of the order. I sent multiple requests to cancel the order, so as to avoid any confusion. The vendor, XXXX, ignored the email request, processed the order, and shipped the order XXXX days after the order was placed and cancelled. Furthermore, the vendor insisted that the shipped order was to be returned to XXXX for a fee double the cost of the original order, if a cancellation was to take place. This is in direct contradiction to the vendor 's return policy, which clearly stated that an email may be sent to cancel any order. I have contacted PayPal and XXXX both multiple times to no avail regarding this dispute. The communication regarding my dispute and concerns has been extremely apathetic, unreasonable, and inconsistent. I submitted documentation that was requested of me twice, to no avail. The dispute seems to have been lost by the claims department, as was told to us today by an account XXXX at XXXX named XXXX XXXX XXXX XXXXXXXX. She requested we submit an additional claim through the website, which we completed earlier today, XX/XX/year>. I informed her of this formal complaint to the CFPB. Another concerning point is that XXXX ordered me to close my dispute with XXXXPayPal in order to proceed with a cancellation in exchange for a refund, BEFORE informing me that I would be required to spend $ XXXX on the return to an address in XXXX. Thank you for your attention to this matter. I am over XXXX years of age, and truly believe I am being taken advantage of in this situation. I am grateful for help provided in recouping my funds. Please call with any additional questions. I can be reached at XXXX. I also authorize you to speak with my daughter, XXXX XXXX, at XXXX, with email address XXXX. Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I should have had a credit report by XX/XX/XXXX or XXXX as I started my new credit card in XXXX. It is my first credit card, I was told by the credit card company ( XXXX XXXX ) that something was incorrect on my credit report through their XXXX program ( my social security was apparently incorrect ) and I was told by them to file a dispute against that. Then I called Equifax, and XXXX and was told by XXXX that I do not have a credit report at ALL and that I should file a dispute through this website against it. I have no recollection or idea how my social security was incorrectly put into an application as that never shouldve gotten accepted. I do not want this affecting my credit score and still can not access my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: SC

Complaint narrative:
XXXX XXXX Compliance Demand - Immediate Deletion of Inaccurate Account Information This is a formal XXXX XXXX compliance demand regarding the following account : You are in violation of federal law by reporting this account without proper verification and in a manner inconsistent with XXXX XXXX data furnishing standards : 1. 15 U.S.C. 1692c - Unlawful communication is occurring through continued dissemination of disputed data without my consent and without lawful validation.

2. 15 U.S.C. 1692g - No legally sufficient debt validation has been provided despite my dispute, rendering all further reporting unlawful.

3. 15 U.S.C. 1681e ( b ) - You have failed to maintain reasonable procedures to ensure maximum possible accuracy of the data reported, as evidenced by the ongoing publication of false and unverified information.

Under XXXX XXXX guidelines and the FCRA, all disputed accounts must be immediately corrected or deleted if they can not be verified to the highest standard of accuracy. Continuing to report- Creditor Names/ XXXX XXXXXXXX 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 unverifiable data constitutes willful noncompliance and exposes you to statutory damages, attorney 's fees, and punitive damages. 
Demand : If you can not provide documented, verifiable evidence - original signed contracts, complete payment history, and proof of lawful collection rights- within 30 days, you must immediately delete this account from my Experian credit file and confirm deletion in writing. 
Failure to comply will result in immediate escalation, including complaints to the CFPB, FTC, and my state Attorney General, as well as legal action for violations of the FCRA and FDCPA. 
This notice is sent pursuant to my rights under federal law. You are on record and expected to act accordingly. 
Sincerely, XXXX 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 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Failure to Validate Debt or Remove Inaccurate Tradeline I appreciate CCS 's confirmation that they will cease communication, but this does not resolve my dispute. Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt and requests validation, the collector must provide proof of the debt before any further collection or reporting continues.

Despite my clear demand for : Proof of the original creditor A signed agreement Chain of title Proof of their authority Detailed accounting CCS failed to provide any of these.

Further, under 15 U.S.C. 1681s-2 ( b ), they are required to investigate and correct or remove disputed tradelines they are furnishing to credit bureaus. Their response ignored this duty.

I am requesting that the CFPB require CCS to provide proper documentation or delete the tradeline. Failure to do so may result in further legal action.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
The hospital did try to claim from the XXXX  visit was 100 % covered from XXXX  no debt or copay should have been charged or attempted to be charged to me. I sent multiple messages to the hospital they never tried to fix the charge and sold it to collections.

Company response to consumer: Closed with explanation